# Dakota > The regulated operating system for programmable money Dakota is a financial technology company providing regulated stablecoin and fiat payment infrastructure for businesses. It unifies banking rails, stablecoins, wallets, FX, and compliance through a single API. Dakota is a B2B stablecoin and payment infrastructure platform providing APIs for issuing, moving, and managing digital dollars at scale. It combines banking partnerships, custody, and blockchain infrastructure under a single compliance program, eliminating the need for customers to integrate multiple vendors separately. The platform serves fintechs, enterprises, and developers building payment, treasury, and stablecoin products. Dakota operates by routing transactions across multiple banking rails and onchain networks, with embedded business verification, sanctions screening, and transaction monitoring. Currency conversion integrates into transactions rather than occurring as a separate step, and the platform supports both traditional payment flows and programmable, autonomous fund movement within operator-defined limits. The Dakota Platform provides payment orchestration, programmable wallets, and embedded compliance for global money movement, alongside financial account products offering USD accounts with on and off ramp capability. It is used by fintechs, treasury teams, and software platforms embedding global money movement into their own products. - Type: Company - Sector: Payments - Status: Active - Founded: 2022-10-01 - Profile: https://thegrid.id/profiles/dakota_xyz ## Products - [Dakota Platform](https://thegrid.id/profiles/dakota_xyz): Dakota Platform is a financial services platform that provides a regulated application programming interface for moving, storing, and issuing digital dollars across bank rails and blockchains. Businesses use it to orchestrate payments over SWIFT, ACH, and Fedwire alongside stablecoins, generate programmable wallets, and automate treasury operations with built-in compliance screening. The platform also supports agentic payments, letting autonomous agents move funds under signed spending mandates and infrastructure-enforced policy limits, and offers a self-serve, pay-as-you-go onboarding path with a public sandbox. Card issuance is advertised as an upcoming capability layered on the same wallet infrastructure. (Financial Services Platform, Live, Main Product) - [Financial Account](https://thegrid.id/profiles/dakota_xyz): Financial Account is a global USD account product for businesses, accessible through its own sign-in at app.dakota.xyz separately from the Dakota developer platform. It lets companies hold and move USD and stablecoin balances, settle cross-border payouts, and convert between fiat and onchain assets across bank rails and blockchains. The account targets businesses operating across multiple regions that need dependable USD access without local banking relationships. (Financial Services Platform, Live) ## Assets - [Reserve Dollar (RD)](https://thegrid.id/profiles/dakota_xyz): RD (Reserve Dollar) is a USD-pegged stablecoin issued by Dakota Platform, Inc. It is used within the Dakota platform for holding balances, earning rewards, and settling USD payments, converting automatically to and from deposited dollars. The token operates on a closed network that cannot be transferred off-platform, remains backed one to one by segregated, bankruptcy-remote reserves, and is subject to quarterly attestations beginning in the third quarter of 2026. (Stablecoin) ## Links - [Documentation](https://support.dakota.xyz) - [Main](https://dakota.xyz) - [Terms of Service](https://dakota.xyz/terms) - [Privacy policy](https://dakota.xyz/privacy) - [Documentation](https://docs.dakota.xyz) - [Blog](https://dakota.xyz/blog) - [Twitter / X](https://x.com/dakota_xyz) - [GitHub](https://github.com/dakota-xyz) - [LinkedIn](https://linkedin.com/company/dakotahq) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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