Root's API layer embeds directly into your bank—retaining 100% of floats, yields, and NII. Trusted by JPMorgan, Bank of America, and HSBC. Go live in days, not quarters.
Built Directly on Your Banking Rails
Root connects securely to your infrastructure - no intermediaries, no delays, just instant money movement.
Powering Real-Time Deposits and Payouts
Deliver seamless fund transfers to and from marketplaces, platforms, and sub-accounts in seconds.

Accelerate Deposit Growth
Tap into high-volume payment flows from marketplaces and platforms, converting idle balances into low-cost, sticky deposits.

Expand Your Digital Reach
Integrate your banking capabilities directly into ecosystem platforms - positioning your bank at the center of digital commerce.

Real-Time Money Movement
Offer instant, API-driven payment and settlement capabilities that align with the expectations of modern marketplaces.

Simplify Compliance and Reporting
Automate complex transaction tracking and reconciliation to maintain regulatory confidence across high-volume flows.

Strengthen Ecosystem Partnerships
Build long-term, scalable relationships with fintechs and marketplaces through secure and modular infrastructure.

Differentiate with Programmable Banking
Deliver tailored financial experiences using APIs that allow partners to create custom payment, deposit, and payout solutions.