Banking
Fund the account in seconds. Keep the customer for years.
A user who cannot fund on day one rarely becomes a customer. Astra adds instant account funding, instant withdrawals, and faster bank transfers to your banking product through one integration.
What instant funding changes for a banking product
Activate more accounts
A user who funds on day one becomes a customer. A user who waits three to five business days often never does. Instant funding closes that window to seconds.
Grow deposits that are spendable now
Money lands on the card you issued and is available to spend immediately. No ACH window, no weekend, no federal holiday in the way.
Take on less risk than ACH
Card-funded deposits return at a fraction of the ACH rate, and velocity limits and risk controls run on every transfer.
Start with funding, grow into the rest
Add instant withdrawals and faster bank transfers when you need them. Same integration, same compliance review, no second project.
Instant Account Funding
Fund a new account from any debit card, in seconds
A user links an external Visa or Mastercard debit card in a PCI-compliant form, enters an amount, and the money is on the card you issued before they leave the screen. Astra manages the program, so there is no bank underwriting for you and no settlement account to pre-fund.
Every day
Including weekends and federal holidays
$10,000
Per card transfer, in seconds
Instant disbursements
Money out, just as fast
When a user asks for their money, send it straight to their external debit card over Visa Direct or Mastercard Move. Astra pushes the payout and debits an account of your choosing the next business day, so you can offer instant withdrawals without parking cash to cover them. Offer it next to standard ACH, charge a fee for the fast option, and more than half of end users take it anyway. Going to a bank account instead? RTP and FedNow run on the same integration.
Accelerated Bank Transfers
Large bank transfers, as fast as same day
For the transfers that still run on ACH, Accelerated Bank Transfers moves up to $100,000 per transaction and settles as fast as same day. Astra checks the source balance before origination and heals returned or failed transfers automatically, so your users can move large sums between their own accounts and you carry less return risk. Rules-based routines let them schedule it.
$100,000
Per bank transfer
Same day
Fastest settlement tier
