Make Your Mobile App Digital‑Asset Ready
Add Bitcoin, stablecoin, and digital asset wallet capabilities directly to your existing mobile banking app.
Add Bitcoin, stablecoin, and digital asset wallet capabilities directly to your existing mobile banking app.
Galoy lets you bring digital asset capabilities inside your existing mobile experience.
Embed digital asset wallet features into your current mobile banking app through a single GraphQL API. No rebuild required. Add capabilities to what you already have.
Bitcoin on-chain and Lightning, USDC, and tokenized deposits, all accessible from your customers' existing app. One interface, no context-switching.
White-label digital asset wallet components that match your app's design system. Your customers see your brand, not ours. Galoy is the infrastructure layer underneath.
Whether you want to embed features into your existing app, launch a companion experience, or go fully custom. Galoy supports your approach.
Add digital asset wallet screens directly to your existing mobile banking app using our GraphQL API. Your engineering team integrates the features. We provide the backend infrastructure, documentation, and SDKs.
Best for: Banks with in-house mobile development teamsDeploy a branded companion digital asset wallet app under your institution's name. Your logo, your colors, your customer experience. Designed to link seamlessly to your core banking platform.
Best for: Banks that want a fast go-to-marketUse the API for core wallet functions within your existing app and the white-label components for advanced features like exchange or transaction history. Mix and match as your product evolves.
Best for: Banks scaling incrementallyOn-chain and Lightning Network support. Send, receive, and hold Bitcoin directly within the banking experience.
USDC and tokenized deposit support for instant, low-cost payments. Cross-border settlement in minutes.
In-app Bitcoin and digital asset exchange using the OCC-approved riskless principal model. New revenue stream for your institution.
Designed to support point-of-sale payments with Bitcoin or stablecoins via QR code, integrated into your app's existing payment flows.
Flexible custody backend. Connect to your qualified custodian of choice or use Galoy's multi-custodian architecture. Learn more →
KYC/AML hooks, transaction monitoring, compliance workflow integration, and full audit trails. Designed for OCC, FDIC, and state regulator examination requirements.
Galoy deploys as a sidecar alongside your existing banking core, whether you run Jack Henry, FIS, Fiserv, or another platform. No core replacement required.
Digital asset wallet data, balances, and transaction records flow back to your general ledger through your core's existing integration pathways, keeping your reporting and compliance workflows intact.
Common questions about embedding digital asset capabilities in your mobile banking app
Customers see digital asset features inside the bank's existing mobile or online banking app, alongside their checking and savings accounts. They can view balances, send and receive Bitcoin and stablecoins, buy and sell within the riskless principal model, and access transaction history in one unified interface. The experience carries the bank's branding, design system, and customer support, with Galoy operating as the infrastructure layer underneath.
Yes. The wallet supports Bitcoin on-chain, Bitcoin on Lightning for instant low-cost payments, USDC, and tokenized deposits from a single integration. Customers see all balances in one place, can convert between assets where the bank enables it, and receive consolidated reporting. Adding new supported assets does not require the customer to install a separate app or re-onboard with KYC.
Galoy offers three integration paths. API embed lets the bank's engineering team build digital asset screens directly into the existing app using a single GraphQL API. The white-label option provides a branded companion app that links to the core. The hybrid option uses the API for core wallet functions and white-label components for advanced features. All three connect to the same underlying ledger and custody integration.
Galoy is custody-independent. The bank selects its own qualified custodian, and that custodian holds the cryptographic keys to customer Bitcoin and stablecoin balances under the bank's custody policy. Customer-facing access controls, transaction limits, and approval workflows are configured by the bank. Galoy operates the orchestration, ledger, and wallet interface layers but does not hold customer keys or take custody of customer assets.
The wallet uses the bank's existing KYC onboarding, so customers do not go through a separate identity verification flow. Transaction monitoring, suspicious activity flagging, and AML screening hooks are built into the platform and integrate with the bank's existing compliance systems. Every wallet action generates an immutable audit record covering user, timestamp, asset, amount, and counterparty data, supporting OCC, FDIC, and state regulator examination requirements.
See how Galoy can help your institution offer digital asset wallet capabilities within your existing mobile experience.