PowerUp Banking Program
A unified banking solution for opening receiving accounts, managing beneficiaries, converting currencies, and sending cross-border payouts through supported payment rails.
Best for: Global account management, multi-currency balances, foreign exchange, and cross-border payments.
Flow: Account Provisioning → Accounts & Details → Account Balance → Beneficiary → FX / Payout Quote → Conversion / Payout
What PowerUp Banking Offers
PowerUp Banking gives your business the infrastructure to receive, hold, convert, and send money globally — without needing to integrate separately with multiple banking providers.
- Multi-Currency Accounts — Open receiving accounts across supported currencies and jurisdictions, and hold balances per currency rather than per account.
- Foreign Exchange & Conversion — Generate a quote and convert balance between supported currencies within your own accounts, at a locked-in rate.
- Beneficiary Management — Register payees across a growing set of supported countries and payment corridors, with field requirements resolved dynamically rather than hardcoded.
- Cross-Border Payouts — Send funds to registered beneficiaries through supported local and international payment rails. Payout quotes include applicable fees and charges, and — when the payout currency differs from your funding currency — the FX rate applied as part of that payout.
- Statements — Track balance movements at the currency level, across all accounts collecting into that currency.
Onboarding
User onboarding is handled by the HashDT team and is subject to the required verification process.
Once onboarding is completed, use the User Details API to retrieve the user's account information and identifiers required for subsequent banking operations.
💡 Want to get onboarded? Contact HashDT Support to initiate the onboarding and verification process.
Authentication
Authenticate your API requests using a bearer access token. Obtain the token using your email, company code, and API key via the Obtain Access Token API, then include it in the Authorization header on subsequent requests.
💡 The access token is valid for 30 minutes.
Why It's Built This Way
Rather than hardcoding which currencies, countries, or payment methods are supported, PowerUp Banking is designed around capability discovery — your integration reads what's currently supported (via options, corridors, and schema endpoints) and adapts automatically as new markets and rails are added, without requiring code changes on your end.
This also means field requirements for beneficiaries, and available options for accounts, can differ by country, currency, and payment method — the platform tells you what's needed, rather than you needing to know it in advance.
Core Concepts
| Concept | Description |
|---|---|
| Account | A receiving account tied to a specific currency and payment method. Multiple accounts can collect into the same currency balance. |
| Beneficiary | A registered payee that funds can be sent to via payout. Required fields vary by corridor (country, currency, entity type, payment method). |
| FX Quote | A time-limited, locked exchange rate for converting balance from one currency to another within your own accounts, executed via Create Conversion. |
| Payout Quote | A time-limited quote generated before sending a payout — includes applicable fees and charges, and, when the payout currency differs from the funding currency, the FX rate used for that conversion as part of the payout. |
| Payout | An outbound transfer to a registered beneficiary, executed against a valid payout quote. |
| Statement | A record of balance movements, tracked at the currency level rather than per individual account. |
Get Started with PowerUp Banking APIs
- Onboarding – Complete onboarding and verification through HashDT Support.
- Authentication – Obtain a bearer access token to authenticate your API requests.
- Accounts – Discover and manage receiving accounts.
- Foreign Exchange & Conversion – Generate FX quotes and execute currency conversions.
- Beneficiaries – Discover supported corridors, register beneficiaries, and retrieve beneficiary details.
- Payouts – Generate payout quotes and send funds to registered beneficiaries.
- Account Statements – Retrieve account and currency-level transaction movements.
Need real-time event notifications for this program? Check out the shared Webhook API →