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Virtual Account Management - Real-Time Control Over Every Account, Every Dollar

Track funds with precision. Automate control. Serve clients at scale.
Qolo provides banks and platforms the infrastructure to build, manage and segment virtual accounts – in real time without disrupting your core systems.
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Virtual Accounts That Match How Corporate Clients Actually Operate

Legacy systems weren’t built for modern payment complexity

Whether you’re managing high-volume payments as a business or serving commercial deposit clients as a bank, outdated infrastructure leads to the same frustrations:
Limited visibility into sub-accounts and operational balances
Manual reconciliation causing inefficiencies and expense
Lack of real-time account control and segmentation
Siloed systems unable to support complexity and growth

Spreadsheets don’t scale. Piecemeal vendors create more chaos.

Real-Time Configurable Embedded Virtual Account Management (VAM)

With Qolo’s Virtual Account Management, you’re in control. This fully programmable API-driven solution is embedded into our real-time ledger allowing you to:
Instantly set up infinite virtual accounts for users, subsidiaries or programs
Segment flows and automate rules with precision
Configure custom hierarchies, funding logic and sweeps
Gain real-time visibility into balances across payment rails and account types
Track fees, usage and even interest accrual by account or hierarchy

Built for finance teams, product innovators and commercial banks who need flexibility without sacrificing control.

Who We Help

For Banks & Financial Institutions

Learn how Qolo powers banks

Expand your product suite without overhauling your core.
With Qolo’s VAM, your bank can attract and retain commercial clients with automated scalable account services:

  • Serve complex treasury needs with hierarchy-based control
  • Offer automated sweeps and real-time transaction visibility
  • Generate fee revenue with premium account capabilities
  • Stay competitive with embedded finance-ready infrastructure

For Businesses, Platforms & Marketplaces

Learn how Qolo powers platforms

Keep every dollar accounted for instantly.
Qolo enables businesses to operate with clarity and confidence across multi-entity balance-based or partner-focused operations:

  • Build wallets and balance systems with nested hierarchies
  • Track payouts and funds across regions, partners or use cases
  • Segregate treasury operations by department, customer or region
  • Enable fully embedded white-label financial services

What Sets Qolo Apart

Real-Time Ledger-Backed

Unlimited Configuration
Native to Payments
Scale-Ready Design
No Core Replacement Needed

See What Our Clients Are Achieving with Qolo

KeyVAM by KeyBank is more than a treasury management solution. It tackles inefficiencies in operations and provides businesses with the tools to achieve visibility and control.
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Smarter Account Management Starts Here

Whether you’re improving treasury services or simplifying payment infrastructure, Qolo offers the virtual account solution you need to stay ahead.
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