Banking infrastructure you can audit, line by line.
State Union Bank is a USD digital banking platform built on a double-entry ledger. Deposits, transfers and withdrawals each carry a unique reference, a provider record and an immutable audit trail.
USD accounts
United States residents, 18+
Double-entry ledger
Balances derived, never edited
Verified identity
KYC before any money moves
Audit trail
Permanent record on every entry
Built as financial infrastructure, not a dashboard mockup.
Balances from the ledger
Every movement writes matching debit and credit entries. Your balance is a calculation, never an editable number.
Provider-confirmed funding
Deposits credit only after a signed confirmation arrives from the connected payment provider webhook.
Verified identity
KYC runs before any money moves. Unverified accounts cannot transfer or withdraw.
Defence in depth
Transaction PIN, two-factor sign-in, row-level access rules, rate limits and a full audit trail.
How an account works
- Step 1
Open your account
Sign up with your legal name, date of birth and residential address. A USD account is created for you immediately.
- Step 2
Verify your identity
Submit your identity details for review. Money movement stays locked until verification is approved.
- Step 3
Fund, send, withdraw
Deposits credit on provider confirmation. Transfers and withdrawals require your transaction PIN and post to the ledger.
Safeguards on every account
Controls are enforced on the server, not in the browser. If a control fails, the transaction does not post.
- Transaction PIN required before any debit leaves your account
- Two-factor sign-in and login attempt monitoring
- Row-level access rules so records are readable only by their owner
- Risk scoring on amount and velocity, with compliance review on elevated scores
- Immutable audit trail — completed entries cannot be edited or deleted
- Every transaction carries a unique reference and provider record
Questions before you open an account
- Is State Union Bank a licensed bank?
- No. State Union Bank is a banking technology platform. Deposit accounts and payouts are provided through licensed financial institution and payment processor partners in the United States.
- Why do I have to verify my identity?
- Identity verification is required before transfers or withdrawals. Unverified accounts can view the product but cannot move money.
- How is my balance calculated?
- Your balance is derived from an immutable double-entry ledger. Each movement writes matching debit and credit entries, so a balance is always a calculation rather than a stored, editable number.
- When does a deposit show up?
- A deposit credits your account only after a signed confirmation arrives from the connected payment provider. Until then it stays pending and visible in your activity.
- How long do withdrawals and external transfers take?
- Payout timing depends on the receiving institution and may be delayed by compliance review, cut-off times or bank holidays. The transaction stays visible with its status throughout.
Regulatory disclosure
State Union Bank is a banking technology platform. Banking services, deposit accounts and payouts are provided through licensed financial institution and payment processor partners in the United States. Every balance is derived from an immutable double-entry ledger, and every movement of funds carries a unique reference, a provider record and a permanent audit trail.