One Platform.
Every Financial
Possibility.
Sagolik unifies banking, payments, ownership, investments, AI, automation and developer infrastructure into a single intelligent financial platform.
Every financial primitive,
natively unified.
Sagolik brings the tools you use every day into one coherent surface—so people, businesses and developers stop stitching software together.
Banking
- Connect every bank
- Real-time balances
- Transactions & cards
- Open Banking
Payments
- Invoices & subscriptions
- Escrow & checkout
- Installments
- Cross-border rails
Investments
- Stocks & funds
- Private markets
- Fractional ownership
- Portfolio intelligence
Real Estate
- Buy, sell, co-own
- Financing
- Tokenization
- Full management
Business
- Treasury & payroll
- Accounting & approvals
- Cash flow
- AI operations
AI
- Native intelligence
- Embedded in every feature
- No separate chatbot
- Ambient by design
Every financial decision,
enhanced by AI.
Intelligence isn't a chatbot bolted on—it lives inside every account, transaction and workflow, making the whole platform quietly smarter.
Build before
you deploy.
Every Sagolik account includes access to Sandbox—a production-grade testing environment where developers, businesses and institutions can safely prototype financial products, APIs, workflows and AI automations before deploying them live.
Client calls sagolik.payments.create with amount, rail and counterparty.
await sagolik.payments.create({
amount: 245000,
currency: "EUR",
from: "acc_9f2b",
to: "iban:NL91ABNA0417164300",
rail: "sepa_instant",
});- — Mirrors production APIs, ledgers and rails, byte-for-byte.
- — Deterministic counterparties for repeatable end-to-end tests.
- — Inject latency, partial failure or rail outages on demand.
- — One flag promotes the same code path to live.
Ownership,
reimagined.
From a home to a royalty stream, ownership becomes programmable—governed by policy, transferable in seconds, and legible to every system it touches.
Programmable flows for
everything that moves.
Compose logic across accounts, contracts, AI agents and external systems—drag, drop, deploy.
One core.
Every module interconnected.
Built for
builders.
Modern, typed and consistent. Everything a team needs to ship serious financial products—without the usual friction.
import { Sagolik } from "@sagolik/sdk";
const sagolik = new Sagolik({ env: "sandbox" });
// 1. Open a programmable account
const account = await sagolik.accounts.create({
type: "business",
identity: "org_kx9",
policies: ["mfa", "quorum:2-of-3"],
});
// 2. Route revenue automatically
await sagolik.flows.deploy({
trigger: "payment.received",
steps: [
{ action: "ledger.post" },
{ action: "revenue.distribute", split: { ops: 0.6, tax: 0.2, owner: 0.2 } },
{ action: "ai.summarize", to: "accountant@acme.com" },
],
});Enterprise security,
designed in.
A modern trust architecture that meets financial-grade requirements without slowing teams down.
Install what you need.
Extend everything.
A curated ecosystem of extensions and integrations that plug into your Sagolik core.
One coherent surface.
Every workflow, at home.
From individual accounts to enterprise treasury, everything lives inside a single interface. Tap any screen to inspect it full size.
Pay with Sagolik,
wherever you check out.
Sagolik sits alongside the rails your customers already know—cards, wallets and bank transfer—settling instantly, with zero platform fee and a full audit trail.
- Instant settlement across 120+ countries
- One integration for cards, wallets and bank rails
- Receipts, reconciliation and ledger posting included
Make it yours.
Keep it serious.
Money software shouldn't feel like a tax form. Pick a theme, name your goals, invite your people — and keep the same audited ledger, the same regulated rails, the same SOC 2 controls underneath.
A new baseline
for what finance can be.
Institutions ship
production-grade finance
on Sagolik.
From central banks to construction groups, Sagolik provides the primitives, compliance and support serious organizations require.
The financial operating system
for the next generation.
Whether you're paying, investing, building, automating, managing property or creating entirely new financial products—Sagolik gives you one intelligent platform to do it all, with Sandbox available whenever you need to prototype, test and deploy safely.