Headquartered in San Francisco, California, Column Bank (Column N.A., Member FDIC, OCC National Bank Charter) operates as a developer-built, nationally chartered sponsor bank. Built entirely from the ground up rather than wrapping software adapters around third-party legacy cores (like Fiserv or FIS), Column serves as both the regulated bank and the underlying issuer processor, core ledger, and API connectivity layer.

Through its zero-middleware architecture, Column connects technology platforms directly to the Federal Reserve, card networks, and global payment rails. Its infrastructure powers programmable demand deposit accounts (DDAs), multi-tenant "For Benefit Of" (FBO) structures, high-volume card programs, stablecoin settlement, and custom lending programs via clean REST APIs, real-time webhooks, and raw message-handling capabilities.

• Developer-Native Architecture: Built from source code, eliminating third-party middleware and middleware-induced latency for direct bank-level control.

• Direct Rail Integration: Native connections to Fedwire, FedACH, RTP, FedNow, SWIFT, Visa, and Mastercard with zero third-party core processor intermediaries.

• Real-Time Double-Entry Ledgering: Real-time event-driven ledger tracking accounts, virtual sub-accounts, pending transactions, and balances programmatically.

• Single Integration Card Engine: Column acts as the issuing bank, issuer processor, and balance sheet capital source for debit, credit, prepaid, and local-currency cards.

• Global & Multicurrency Capabilities: Issue USD accounts, stablecoin-backed rails, and local-currency card products to verified domestic and international entities.

Key Features

• Programmable Accounts & FBO Structures: Instant creation of consumer, business, FBO, sweep, and custom clearing accounts backed by pass-through FDIC insurance.

• Direct Money Movement Rails: Complete API control over FedACH, Same-Day ACH, Fedwire, 24/7 Book Transfers, international SWIFT wires, and real-time payments (RTP/FedNow).

• Full-Stack Card Issuing & Processing: Programmatic creation of virtual and physical cards, direct ISO 8583 message parsing, real-time authorization webhooks, and customizable spend controls.

• Lending & Debt Financing APIs: Direct API endpoints for programmatic loan origination, flexible debt financing facilities, and outright loan purchase transactions.

• Native Developer Compliance & Entity Tools: Built-in tools for identity verification (CIP/KYC/KYB), associated person linking, sanctions screening, and evidence submission directly within the API data model.