DAKOTA

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COMPANY detail

DAKOTA
Dakota is a stablecoin platform for storing and moving money

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DAKOTA

Company Overview.

Year Founded 2022
Status Private
Specialties Stablecoin, Payments
Company Size 11-50 Employees
Industry Technology, Information and Internet
Location Boulder, USA

Description.

Dakota provides regulated stablecoin infrastructure for institutional money movement, enabling businesses to store, move, and manage stablecoins and fiat through a single API. The company offers a unified platform covering stablecoin custody via non-custodial wallets with key sharding, global payments across SWIFT/ACH/Fedwire/SEPA and blockchain rails (EVM, Solana), a proprietary stablecoin (DKUSD issued by Bridge Building Inc.), card issuing backed by stablecoin balances, and an operational business account for crypto-native operations. Founded by Ryan Bozarth (CEO) and Gabe G'Sell, Dakota is headquartered in Boulder, Colorado with approximately 26 employees. The company reports $3B+ processed through its platform and 700+ businesses served across crypto-native platforms, fintechs, PSPs, global HR/payroll providers, and banks.

Key Infrastructure.

Stablecoin Custody (Store Money)
Stablecoin Custody (Store Money)
Enterprise-grade self-custodial wallet infrastructure with key sharding across three parties — one shard held by Dakota for service provision, one encrypted by the customer, and one sent to a backup provider of choice — plus secure enclave protection, segregated balances, and always-on anomaly detection.
Supports fiat, stablecoins, and multi-chain assets in unified wallets with granular role-based access controls and full audit trails.
Global Money Movement (Move Money)
Global Money Movement (Move Money)
A single API layer orchestrating payments across SWIFT, ACH, Fedwire, SEPA, EVM, and Solana rails with stablecoin or fiat settlement — includes built-in KYB/KYC, AML screening, sanctions checks, and transaction monitoring executed at the API level, enabling businesses to launch cross-border products in hours instead of months without managing local bank relationships or multi-jurisdictional licensing.
Stablecoin Card Issuing
Stablecoin Card Issuing
Programmable card issuing backed by stablecoin balances, enabling businesses to offer physical and virtual debit cards that draw on digital dollar holdings — integrated directly with the Dakota operational account and available across all pricing tiers from free to enterprise, positioning Dakota as a BaaS card issuer for crypto-native fintechs and neobanks.
Agentic Payments Platform
Agentic Payments Platform
Regulated money-movement infrastructure purpose-built for AI agents — human-signed mandates define which recipients, how much, and how often an agent can pay, with policy enforced at the wallet and ledger level so it cannot be jailbroken; intents convert unstructured inputs (invoices, emails, PDFs) into structured API calls; agents carry cryptographic identities and every action is attributed and audit-ready.
DKUSD Stablecoin Issuance
DKUSD Stablecoin Issuance
Fiat currencies deposited into Dakota operational accounts are automatically converted into DKUSD, a proprietary stablecoin issued by Bridge Building Inc.
(a FinCEN-registered Money Services Business) — providing 1:1 redeemable digital dollars for settlement, treasury, and payment operations across both traditional banking and blockchain rails in a single instrument.
Operational Business Account
Operational Business Account
A crypto-native business account combining USD and stablecoin balances, treasury access with yield rewards on balances above $500,000 DKUSD, company cards, automated workflows for approvals and rebalancing, and pay-as-you-go self-serve onboarding — designed to replace fragmented banking setups with one platform for digital dollar operations.

Additional Features.

Self-Serve Onboarding
Businesses can sign up directly, complete KYB in under 24 hours for most ICP-fit customers, and access instant sandbox with published pricing — no sales call required.
Compliance-as-Code
KYC, AML, sanctions screening, and transaction monitoring execute automatically as part of every API call, not as a separate batch process, with modular, programmable policies.
Policy-Based Treasury Automation
Automated conversions, settlements, rebalancing, and approval workflows across fiat and blockchain rails with programmable dual-authorization and multi-step verification flows.
FDIC-Insured USD Balances
USD funds held with partner banks Lead Bank and Erebor are insured up to $250,000 per customer through FDIC pass-through insurance (digital assets not eligible).
Agentic SDK and MCP Server
An agentic SDK for building AI-powered financial products plus an MCP server for programmatic user and transaction analytics, with documentation written for agent consumption.
Multi-Rail Payout Flexibility
Near-instant stablecoin payouts globally with fiat withdrawal options, supporting payroll, contractor payments, and merchant settlement via both on-chain and traditional banking rails.

General Questions.

Dakota provides regulated stablecoin infrastructure for institutional money movement — a unified API platform that enables businesses to custody stablecoins, move money across 6 rails (SWIFT, ACH, Fedwire, SEPA, EVM, Solana), issue cards backed by stablecoin balances, operate crypto-native business accounts, and build AI agent-powered payment flows. All with built-in compliance, KYC/AML, and sanctions screening.

Exchanges, crypto-native platforms, fintechs/PSPs, global HR and payroll providers, and banks. Dakota explicitly targets four segments: crypto-native platforms needing on/off ramps and treasury automation, fintechs and PSPs wanting to issue stablecoin accounts and cards, global payroll companies moving cross-border contractor payments, and banks seeking to integrate stablecoin custody and settlement rails.

Yes. Dakota Ridge, Inc. is registered with FinCEN as a Money Services Business (MSB) and holds US state money transmitter licenses (MTLs). EU licensing is underway. USD balances are FDIC-insured up to $250,000 through partner banks Lead Bank and Erebor. DKUSD is issued by Bridge Building Inc., a separately FinCEN-registered MSB. Dakota is governed under Delaware law.

EVM-compatible chains and Solana for on-chain settlement. The proprietary DKUSD stablecoin (issued by Bridge Building Inc.) is the primary stablecoin — fiat deposits auto-convert to DKUSD. The platform also supports broader stablecoin operations including conversions at 7.5–10 bps depending on plan tier.

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