Turn Your Marketplace Clients
Into Your #1
Deposit Growth Engine

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.

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Bank Partnership Card showing money flow

Trusted payment partner of leading global banks

SVB logoCitizens logoHSBC logoWells Fargo logoStandard Chartered logo
99.99%
Uptime SLA
180+
Countries Served
~$1 B+
Retained Deposits for Partners

Marketplaces Are Booming - But Your Deposits Are Vanishing

Marketplace economy is exploding with DoorDash processing $80B GOV and Roblox paying out $923M to creators. But traditional payment flows are bypassing your bank, keeping 90%+ of valuable float deposits.

Bypass Flow

Powered by Intermediaries like

Intermediaries logo
Payer
Customer payment
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Stripe
Keeps 90% of float
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Your Bank
Gets only 10%

Modern Banking Flow

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Root logo
Payer
Customer payment
Down arrow
Root API
Direct to your subledgers
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Your Bank
Retains 100% of deposits

Become the Financial Hub for the Marketplace Economy

No intermediaries. Full float back to you and your customers.

Root embeds modern APIs on your existing rails — driving deposits, enabling real-time payouts, and streamlining KYC/KYB, monitoring, and reconciliation.

Inbound API
Integrate directly with platforms to accept funds from buyers, sellers, and other participants into your accounts — with real-time settlement, transparency, and control.
Key Benefits
Drive new low-cost deposit inflows
Expand API banking capabilities
Gain full visibility into transaction data and payment flows
Inbound API
Outbound API
Enable your marketplace partners to disburse funds instantly to their users while keeping balances within your bank.
Key Benefits
Retain deposits while facilitating seamless payments
Offer modern, programmable disbursement infrastructure
Strengthen your role in the platform economy
Outbound API
Orchestration Engine
Simplify connectivity, compliance, and oversight for all partner platforms with automated KYC/KYB, transaction monitoring, and regulatory reporting tools.
Key Benefits
Reduce operational overhead and compliance complexity
Offer banks-grade monitoring and controls for embedded partners
Build scalable infrastructure for ecosystem banking
Orchestration Engine

Seamless Onboarding for Banks

Simplify your integration journey with our guided onboarding process. From setup to going live, we make it effortless for banks to connect, test, and scale securely.

Step 1

Connect & Configure

Set up your integration in minutes. Connect your systems using our API keys and configure essential settings for your banking sandbox environment.

Step 2

Test in Sandbox

Run simulations safely in a dedicated sandbox. Validate connections, explore payment flows, and ensure everything works before moving to production.

Step 3

Go Live

Switch seamlessly from test to live mode. Enable real transactions, connect to your production bank environment, and start processing payments securely.

Step 4

Scale & Optimize

Monitor performance, refine your integration, and expand your services. Use insights and tools to optimize speed, reliability, and scalability as you grow.