bangnikgcircle provides a single, unified API layer that orchestrates payments, multi-currency accounts, real-time FX conversion, and automated compliance checks — so your engineering team ships faster without stitching together fragmented providers.
bangnikgcircle packages enterprise-grade payments, accounts, FX, and compliance into a single cohesive platform — eliminating the vendor sprawl that slows scaling businesses down.
SEPA Credit Transfer
Send EUR payments across 36+ SEPA countries with same-day or next-day settlement via the core SEPA CT rails.
SEPA Instant (SCT Inst)
Real-time euro transfers reaching beneficiaries in under 10 seconds, 24/7/365, up to €100,000 per transaction.
SEPA Direct Debit
Automated recurring collections from EU customers with both Core and B2B mandate management built in.
SWIFT gpi
Track cross-border payments in real time with end-to-end transparency, fee visibility, and confirmed delivery.
SWIFT MT & MX (ISO 20022)
Full support for legacy MT messages and next-generation ISO 20022 MX formats for interbank and corporate flows.
UK Faster Payments (FPS)
GBP domestic transfers settled in seconds, covering retail and corporate payment use cases across the UK.
US ACH (NACHA)
Batch and same-day ACH origination and receipt for USD payroll, vendor payments, and consumer collections.
Local Rail Orchestration
Automatic routing to the optimal local rail (BLIK, Swish, iDEAL, etc.) based on destination country and amount.
Bulk Payment Files
Upload ISO 20022 pain.001 XML or CSV batches; the engine validates, deduplicates, and executes in parallel.
Payment Scheduling
Schedule future-dated payments or recurring disbursements with rule-based triggers and calendar controls.
Virtual IBANs (vIBAN)
Instantly provision unique IBANs per customer, counterparty, or use case — no physical account required.
Named Account Assignment
Attach legal entity names to vIBANs for beneficiary-level reconciliation and white-label account experiences.
Multi-Currency Wallets
Hold, send, and receive in 30+ currencies within a single account structure with real-time balance visibility.
Sub-Account Hierarchies
Create unlimited nested sub-accounts under a master ledger to segregate funds by product, client, or region.
Real-Time Balance API
Query live balances and pending positions at any account or sub-account level with microsecond-level timestamps.
Automated Sweeping
Define threshold-based sweep rules to consolidate or distribute balances across accounts automatically overnight.
Statement Export
Export MT940, CAMT.053, or CSV statements on demand or via scheduled delivery to your treasury system.
Interest Accrual Tracking
Track interest earned on pooled balances with daily accrual reporting and configurable rate tiers.
Instant Account Provisioning
New accounts and vIBANs are live within seconds via API — no manual ops, no waiting periods.
Account-Level Permissions
Assign granular read/write/admin roles per account to users or API keys for enterprise access control.
Live Spot Rates
Access institutional-grade spot FX quotes across 150+ currency pairs with sub-second refresh rates via WebSocket.
One-Click Spot Conversion
Convert between held currencies at the quoted mid-market rate with a transparent spread disclosed at execution.
Forward Contracts
Lock in exchange rates for settlement up to 12 months forward — ideal for hedging receivables and payables.
Rate Lock (Quote Reservation)
Reserve a quoted rate for up to 60 seconds to allow internal approval flows before commitment.
Batch FX Conversion
Execute multiple currency conversions in a single API call with consolidated reporting and net settlement.
Auto-FX on Receive
Automatically convert incoming foreign-currency payments to a target currency at the moment of receipt.
FX Rate Alerts
Set target rate thresholds; receive webhook notifications when the market rate crosses your defined level.
Transaction Cost Analysis
Post-trade reports showing spread, fees, and market mid-rate at the time of each FX conversion.
Indicative Rate API
Fetch non-binding indicative rates for quoting end users before committing to a live transaction.
Multi-Leg FX Settlement
Execute payment and conversion in a single atomic operation — no manual funding of conversion legs.
Automated KYC Orchestration
Collect identity documents, run liveness checks, and verify against global databases in a single API call.
AML Screening (Real-Time)
Screen customers and counterparties against 1,200+ sanctions lists, PEP databases, and adverse media feeds.
Ongoing Periodic Review
Schedule automated re-screening at configurable intervals to keep customer risk profiles current.
Transaction Monitoring
Rule-based and ML-powered monitoring flags anomalous transactions for review within milliseconds of execution.
Risk Scoring Engine
Assign dynamic risk scores to entities and transactions based on configurable weighted rule sets and ML signals.
Audit Log & Immutable Ledger
Every API call, decision, and status change is written to a tamper-evident, queryable audit trail.
SAR / Case Management
Built-in workflow for creating, documenting, and submitting Suspicious Activity Reports to relevant authorities.
Data Residency Controls
Choose EU, UK, or US data residency per customer record to meet jurisdictional data protection obligations.
Regulatory Reporting Exports
Pre-formatted reports for CBUAE, FCA, BaFin, FinCEN, and other regulators on a scheduled or ad hoc basis.
4th & 5th AMLD Compliance
Architecture and controls aligned with EU Anti-Money Laundering Directive requirements for obliged entities.
40 enterprise capabilities. One unified API.
Every module ships with sandbox access, full OpenAPI documentation, and dedicated integration support.
bangnikgcircle holds the certifications and operates the security controls that enterprise treasury teams and regulated institutions demand before any integration goes live.
Independently verified certifications, renewed annually
Highest tier of payment card industry compliance, independently audited annually.
International standard for information security management systems, verified by accredited bodies.
Full compliance with EU General Data Protection Regulation, covering data residency, consent, and erasure rights.
Authorised and regulated by the UK Financial Conduct Authority for payment institution services.
Certificates and audit reports available upon request under NDA. Contact our compliance team →
Defence-in-depth, designed for critical financial infrastructure
All data in transit is protected by TLS 1.3. Data at rest uses AES-256 encryption across every storage layer, from primary databases to backup archives.
Our systems are independently audited against SOC 2 Type II criteria covering security, availability, and confidentiality over a continuous 12-month observation period.
Quarterly penetration tests conducted by CREST-certified third-party security firms, with remediation tracked and validated before the next release cycle.
Access to infrastructure requires continuous identity verification. Least-privilege principles are enforced at every service boundary through policy-based controls.
Vulnerability disclosures handled under our responsible disclosure programme. Report a finding →
The bangnikgcircle API is designed for precision and speed. Clean endpoints, predictable responses, and comprehensive SDKs for every major language.
1"color:#FF7B72">curl "color:#FFA657">-X POST https://api.bangnikgcircle.io/v1/payments "color:#FF7B72">2 "color:#FFA657">-H "Authorization: Bearer bngk_live_sk_4xT9mK2pL8rN..." "color:#FF7B72">3 "color:#FFA657">-H "Content-Type: application/json" "color:#FF7B72">4 "color:#FFA657">-H "Idempotency-Key: idem_7f3a9b2c-e14d-4f8a" "color:#FF7B72">5 "color:#FFA657">-d '{6 "amount": 150000,7 "currency": "USD",8 "source": {9 "type": "bank_account",10 "account_id": "acct_3Xm9pL7kR2nQ"11 },12 "destination": {13 "type": "bank_account",14 "account_id": "acct_8Kp2nM4xT6vW"15 },16 "description": "Invoice #INV-2024-0891",17 "metadata": {18 "order_id": "ord_9Xk2mP7rL4nQ",19 "customer_ref": "cust_B2B_enterprise"20 }21 }'
1{2 "id": "pay_2Kx9mN4pL7rQ3vT",3 "object": "payment",4 "status": "completed",5 "amount": 150000,6 "currency": "USD",7 "source": {8 "type": "bank_account",9 "account_id": "acct_3Xm9pL7kR2nQ",10 "last4": "4821"11 },12 "destination": {13 "type": "bank_account",14 "account_id": "acct_8Kp2nM4xT6vW",15 "last4": "9347"16 },17 "description": "Invoice #INV-2024-0891",18 "idempotency_key": "idem_7f3a9b2c-e14d-4f8a",19 "created_at": "2024-11-14T09: 32: 17.482Z",20 "settled_at": "2024-11-14T09: 32: 18.114Z",21 "processing_time_ms": 632,22 "fee": {23 "amount": 225,24 "currency": "USD"25 },26 "metadata": {27 "order_id": "ord_9Xk2mP7rL4nQ",28 "customer_ref": "cust_B2B_enterprise"29 },30 "livemode": true31}
Full API access · 10,000 test transactions · No expiry
Financial infrastructure built for scale — powering the world's most demanding payment operations.
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