Nova
API infrastructure for modern fintech

Card issuing & ledger infrastructure, built for engineers.

Nova is the unified API platform for issuing cards, moving money, and reconciling balances in real time — without the legacy core.

Start building Talk to engineering
createVirtualCard.ts
// POST /shop/card/create
// X-Shop-No · X-Public-Key
const res = await nova.card.create({
  bin: "428392",
  currency: "USD",
  amount: 5000,
  remark: "ads-google-q2",
  callback_url: "https://merchant.example.com/hooks/card",
});

// → { code: 200, data: { cardNo: "tok_8fK3a91c", status: "ACTIVE" } }

Infrastructure for category-defining fintech teams.

VECTRA
Northwind
LEDGERLY
Patchwork
ATLAS/CO
Meridian
FORMA
QUANTAL
VECTRA
Northwind
LEDGERLY
Patchwork
ATLAS/CO
Meridian
FORMA
QUANTAL
Operational

Production-grade by default.

Uptime
UPT_01
99.99%

Uptime SLA across all regions.

Latency
LAT_02
<50ms

P99 authorization latency.

Compliance
SEC_03
PCI-DSS L1

Certified by an external QSA.

Issuing

Dynamic Multi-BIN Routing.

Programmatically route authorization traffic across multiple BIN sponsors and processors. Failover in milliseconds, optimize for interchange, and ship new card programs without renegotiating contracts.

  • Per-transaction routing rules
  • Sub-second processor failover
  • Granular interchange analytics
Read documentation
x · authy · network
authBIN ABIN BBIN CVISAMCAMEX22ms · OK
routing · cost-optimizer v2.1
tps 12.4k
Ledger

Real-time Ledger API.

A double-entry, strongly-consistent ledger exposed as a clean REST + webhook API. Every authorization, clearing, and reversal is a posted entry — reconcile continuously, not at end of day.

  • ACID double-entry primitives
  • Webhook stream of posted entries
  • Multi-currency, sub-account hierarchies
Read documentation
y · ledgerx · stream
timeeventamountccy
POST/v1/ledger.entry·200 okΣ $48,213.42
ledger · double-entry v3
lag 18ms
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Get sandbox keys and ship your first authorization today.

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