Every transfer lands in the right account, automatically
Each customer gets unique receiving details, issued by licensed banking partners. Gruv matches incoming wires and ACH deposits on arrival and flags anything unidentified for ops review. No bank portal digging.
Bank transfers are simple. Matching and tracking them should be too.
Issue dedicated receiving details by customer or workflow, auto-match deposits faster, and route unmatched funds into investigation queues before payout.
Gruv AI matches every deposit
Incoming funds run through the same evaluation pipeline operators trust on payouts. Matching, investigation, and reconciliation happen on a record finance traces end to end.
AI deposit matching
Incoming transfers match to invoices, payees, and expected receipts automatically. Confidence scores and source references carry through to QuickBooks or NetSuite exports.
AI investigation routing
Unidentified funds queue with a suggested next step and route to the right operator. Holds keep the trail intact from deposit to close.
AI reconciliation
Balance moves, deposits, and transfers reconcile against the underlying records. Operators close out faster, fewer manual lookups needed.
Ask Gruv AI
Ask about a deposit, a balance, or an investigation in plain language. Answers cite the record finance already trusts.
Local account numbers in every market you sell
Your customers pay via domestic bank transfer in their own currency. You get instant attribution without opening a bank account in each country.
United States
United States Dollar
Europe
Euro
United Kingdom
British Pound
Canada
Canadian Dollar
Where virtual accounts
work best
Marketplace receivables
Issue unique receiving details to sellers, corridors, or payment flows so inbound funds are easier to attribute before they move into splits or payouts.
Useful for marketplaces teams that need clearer bank-transfer attribution.
Talk through this use caseEnterprise invoice collection
Give enterprise customers dedicated bank-transfer instructions and map deposits back to customer or invoice records with less manual follow-up.
Useful for saas teams that need clearer bank-transfer attribution.
Agency client collections
Keep client funds, campaign budgets, or project collections separated with distinct receiving details and cleaner downstream reporting.
Useful for agencies teams that need clearer bank-transfer attribution.
Security controls that move with the money
Every deposit, hold, and withdrawal passes through name-match verification, role-based access, and a tamper-proof audit log. No bolt-on compliance layer required.
Encrypted
end to end
Account numbers, sender details, and balance data encrypt in transit (TLS 1.3) and at rest (AES-256). Access follows role-based policies tied to each workflow step.
Fund segregation
Customer deposits sit in segregated accounts, never commingled with operating funds. Each balance posts to its own sub-ledger with real-time visibility.
Real-time alerts
A deposit bounces at 2 AM. Gruv fires a Slack alert, flags the record in the exception queue, and starts the investigation timer before your team logs in.
KYC/KYB verification gates
Issue accounts only after identity verification passes. Policy gates adjust by market (US requires SSN/EIN, EU requires UBO disclosure) and block payouts until all checks clear.
Show finance exactly where every dollar lands
Give finance and security a live walkthrough of the deposit record, the exception queue, and the export format before the first wire arrives.
Sample deposit reconciliation
Walk finance through a real deposit lifecycle: wire arrives, matches to customer, posts to ledger, and appears in the NetSuite export.
Security and controls packet
Hand procurement the trust documentation: encryption at rest, name-match verification, two-of-two withdrawal approval, and audit log samples.
Multi-currency rollout plan
Map which currencies launch first (USD, EUR, GBP), how exceptions route, and when you add CAD, AUD, or SGD accounts.
From account issued to funds withdrawn
Every bank transfer follows the same path: a partner issues the account, the deposit arrives, Gruv matches or investigates, the balance updates, and you withdraw. One record tracks it all.
Issue receiving details · Northwind Group
Sub-ledger created
subledg_84a2
Receiving rails enabled
ACH · Wire · RTP
Name match policy applied
Customer notification queued
Frequently Asked Questions
What are virtual accounts and when do I need them?+
Which currencies and rails do you support?+
What happens when a deposit bounces or gets held?+
A transfer arrives but does not match any customer. Then what?+
Can I pay out from a virtual account balance?+
Ready to see every deposit match automatically?
We scope your receiving accounts, wire up the exception queue, and connect your ledger export before the first transfer arrives.
Most receiving rollouts launch in 4 to 6 weeks.