Account funding
Enable users to fund or top-up their digital wallets using their bank account. Make funds available for immediate use so customers can start transacting on your platform sooner.
![](https://cdn.prod.website-files.com/64fdcec74c01d1a2dc56d065/652d10cea649f7473781a9f4_account%20funding.png)
![](https://cdn.prod.website-files.com/64fdcec74c01d1a2dc56d065/653405d017daafaf2908dbb9_Bill%20payment.png)
Bill payment
Allow customers to make bill payments directly from their bank accounts. Payments are processed instantly. As fast as a card payment, without the network fees.
NFT checkout
Give customers a seamless way to purchase digital assets using their bank account. Convert more customers and offer higher transaction limits without hold times.
![](https://cdn.prod.website-files.com/64fdcec74c01d1a2dc56d065/652d1353a649f7473784574a_nft%20checkout.png)
![](https://cdn.prod.website-files.com/64fdcec74c01d1a2dc56d065/652d147a4e7b1ba97d6942af_stephen%20pair.png)
How Instant ACH works
Sardine evaluates risk in real-time to assign an instant limit and hold time for additional amounts.
Sardine processes the ACH transfer or bill payment.
Sardine pre-funds the approved limit and takes on the ACH settlement risk on your behalf.
Merchant shares authorization and settlement feedback via API to optimize performance.
![](https://cdn.prod.website-files.com/64fdcec74c01d1a2dc56d065/652d118a321d770f2279c5f2_ACH%20solution.png)