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Enterprise Layer Intelligence
Categories/Payment Processing/Galoy
Galoy

Galoy

Founded 2020

Manage multi-currency ledgers across fiat currencies, Bitcoin, and stablecoins in real time

You can use Galoy to run modern core banking operations that connect traditional fiat money and digital currencies. The system operates a unified multi-currency ledger supporting dollars, euros, Bitcoin, and stablecoins. Financial institutions can deploy internal accounting, issue wallets, and track deposits and reserves across distinct asset classes. You can also monitor liquidity, analyze portfolio risk scenarios, model exchange revenues, and observe deposit attrition patterns. Its open architecture lets engineering teams build tailored banking experiences while maintaining transaction integrity, regulatory compliance readiness, and security standards across digital financial systems.

What Galoy does

Record multi-currency transactions in a central general ledgerProcess instant Bitcoin Lightning Network paymentsAnalyze deposit attrition rates across account tiersCalculate revenue yields from currency exchange spreadsEvaluate portfolio risks under extreme market fluctuationsManage customer wallet balances across fiat and digital assetsExport transactional data for financial auditing and reportingUnified multi-currency ledger for fiat, Bitcoin, and stablecoinsOpen-source core banking codebase for self-hosted deploymentPortfolio analyzer for balance and asset allocation trackingExchange revenue analyzer to model currency swap earningsDeposit attrition analyzer to monitor account outflowsSimulated risk scenarios for market and operational stress testingRegulatory radar tools to monitor banking compliance shiftsNative Lightning Network connectivity for instant settlements

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Galoy, core banking, open source banking, Bitcoin ledger, multi-currency ledger, digital banking, stablecoins, Lightning network, banking API, financial management, deposit tracking, exchange revenue analyzer, portfolio analyzer, risk scenarios, fintech infrastructure, ledger management