Dynamic as a Low-Level API Stack for Orchestration Companies, Payment Platforms, and Fintechs

Infrastructure Demands Control

Modern fintech is programmable. You might be embedding stablecoin rails, building a money movement engine, or enabling onchain commerce. In all cases, you need wallet infrastructure you can truly control, not just an easy integration.

Dynamic provides low-level APIs to create, manage, and sign with wallets on your terms. You define how wallets behave, when they act, and what rules they follow. The power stays with your team, not with the wallet provider.

Everything runs through your backend. Once authenticated, your system can create wallets, trigger transactions, and apply policies without involving a user session or UI. You stay in control from start to finish. And the possibilities are endless.

What Do We Mean by “Low-Level”?

Low-level refers to tools that are composable and sit close to your architecture. You plug them into your system, define the behavior, and shape the wallet layer to fit your product. You stay in control of the logic, the flows, and how your product interacts with end-users.

With Dynamic, you can:

• Create tens or millions of wallets through an API call
• Sign messages and transactions programmatically
• Attach granular policies or rules to each wallet
• Control who accesses each wallet, how, and when
• Work across any blockchain or stablecoin with no added complexity

A web app or interface isn’t required. You can design orchestration workflows, define signing and transaction triggers, and enforce custom rules on a per-wallet basis using only the tools and endpoints that matter to your architecture.

FBO Wallets, Fully Orchestrated by Your Backend

With Dynamic, you can create wallets for the benefit of your end-users (FBO) without handing them full control.

Dynamic supports this flow natively:

• Wallets are created on the backend and mapped to internal accounts or end users
• All signing and orchestration is managed by your system
• Policies can vary wallet by wallet for approval logic, limits, and access

FBO flows are a strong fit for treasury systems managing pooled funds, as well as B2B or SaaS platforms that embed wallets for their clients. They also work well for fintech infrastructure providers like modern neobanks.

In each case, Dynamic handles the cryptography and secure execution, while your system retains full control over orchestration and business logic.

Supporting Financial Institutions and Their Infrastructure Partners

If you're a financial institution (FI) or building infrastructure for one, Dynamic is built to integrate securely into your stack. While Dynamic does not provide licensure, we support flows where licensed entities can operate wallets for the benefit of their customers, using delegated permissions and secure orchestration.

These flows are ideal for neobanks, custody providers, or orchestration platforms that need to embed compliant wallet infrastructure without taking on direct custody risks. With Dynamic, you retain full control of how wallets are created, signed, and governed, while we provide the cryptographic foundation and policy enforcement behind the scenes.

Multi-Chain First, Stablecoin-Ready

Dynamic supports more chains and wallets than any other wallet provider. Through this extensive chain coverage, developers can build cross-chain products without rethinking architecture or wallet logic.

That means you can:

• Execute onchain logic across Ethereum, Solana, and other major ecosystems
• Use wallets to send, receive, or hold any token like USDC or USDT
• Migrate or expand without rebuilding core wallet infrastructure
• Standardize wallet behavior across environments
• Easily support emerging protocols as they gain traction
  
  

The Ability to Go Headless

Dynamic gives you the option to go headless when you want full control over your frontend. Instead of relying on Dynamic’s prebuilt UI components, you can use the SDK directly to manage logic, state, and wallet orchestration while building your own custom user interface.

Whether your product includes a user-facing interface or is entirely backend-driven, Dynamic supports both models. For example, remittance apps and fintech dashboards can embed our SDK within their custom UI, while orchestration platforms or B2B infrastructure providers can run everything through API calls alone, with no frontend required.

This is ideal for teams with unique branding, custom onboarding flows, or distinct UX needs. You still get access to Dynamic’s secure wallet management, chain handling, and account logic, just presented through a UI you design.

With a headless setup, you can:

• Fully customize onboarding, login, and wallet selection flows
• Use your own UI components while still leveraging Dynamic’s SDK and context
• Maintain a consistent visual and interaction model across your product

Whether you want to use our default UI components or go fully custom, Dynamic gives you the flexibility and low-level tools to build the experience that fits your product best.

Robust Security Without Compromising on Speed

Security in Dynamic is built into the foundation. It is enforced through a flexible policy engine and powered by TSS-MPC, the gold standard of key management. With Dynamic, you can define rules like whitelisted destinations, transaction limits, multi-actor approvals, and time or role-based access conditions.

These policies can be updated programmatically on a per-wallet basis without requiring downtime. TSS-MPC ensures these controls operate with both speed and resilience. It delivers:

• No single point of failure
• Sub-second signing for real-time execution
• Multiple paths for account recovery and key refreshing
• No reliance or dependence on hardware
• SOC 2 Type II certification and regular external audits
• A public bug bounty program via HackerOne

Whether your platform handles institutional transactions or provisions wallets across a diverse customer base, Dynamic ensures secure performance at any scale.

Flexible Infrastructure for Developers Across Any Use Case

Dynamic supports a wide range of teams and use cases across fintech, crypto, and payments. Whether you're moving value or orchestrating transactions, Dynamic gives you the flexibility to design flows that match your product. Not someone else’s template.

Dynamic is trusted by teams working on:

• Neobanks and fintech platforms
• Treasury systems automating stablecoin flows
• B2B and SaaS platforms embedding wallets for clients
• Commerce and checkout experiences using blockchain rails
• Agentic systems and bots that require backend-controlled wallets
• Multi-chain infrastructure platforms handling smart contract interactions at scale
• Crypto-native apps and platforms

No matter how you build, Dynamic provides the secure and scalable foundation to bring your architecture to life. Get in touch with our team to see what’s possible.