Programmatic Banking
Thaler Developer Platform
Build scalable financial workflows, provision multi-currency sub-ledgers, and automate SEPA Instant settlements with typed SDKs and real-time webhooks
SANDBOX ENVIRONMENT ACTIVE
Real-Time European Central Clearing Mocks
Test transactions, account balances, and webhook callbacks without touching production capital.
thaler_test_sk_94a8c1992bd84fa18••••••
Core REST Endpoints
GET
/v1/accounts
List Balances & Ledgers
Returns liquidity accounts, sub-ledgers, IBAN details, and current overnight compounding yields.
POST
/v1/transfers
Execute SEPA Instant Wire
Initiates immediate sub-5 second SEPA settlements across European rails with cryptographic idempotency keys.
GET
/v1/cards
Manage Cards & Spending
Provision instant single-use virtual cards or configure spending limits and zero-FX parameters for physical titanium cards.
POST
/v1/webhooks
Real-Time Webhook Subscriptions
Register HMAC-signed webhooks to receive real-time JSON payloads for payment credits, debits, and compliance triggers.
Architecture & Reliability Standards
01 · RELIABILITY
Idempotency-Key
Every mutating request supports a unique Idempotency-Key header to guarantee safe automated retries without duplicate charges.
02 · SECURITY
Ed25519 Webhook Signatures
Inbound webhook payloads are cryptographically signed using Ed25519 algorithms for tamper-proof payload verification.
03 · COMPLIANCE
European Central Rails
Direct Target2 and SEPA Instant settlement APIs eliminate intermediary correspondent clearing houses.