By: Mariah Young,

Why start from scratch when there is so much open-sourced documentation out there for you to work from? I’m talking to you developers. Leveraging another API (rather than starting from square one) can act as an enabler for a broader digital strategy and unlock new revenue opportunities.

Welcome to the API economy. The API economy is “the economy where companies expose their (internal) business assets or services in the form of (Web) APIs to third parties with the goal of unlocking additional business value through the creation of new asset classes,” as defined by Cutter Consortium

Now, consider Dwolla…

The Dwolla API allows developers to build software on top of the Dwolla network—quickly. You can find everything open-sourced on our Github page or explore our developer documentation. Then, you can go build atop the Dwolla network to create revenue for yourself.

Leveraging an API to enable/extend/empower your business model isn’t a new concept—Twilio, for example. However, it’s a missed opportunity if you haven’t investigated the possibility of improving your service through a third party API yet.

Build new revenue streams with these new applications.

Our specialty is helping you build your payments infrastructure, so you can get your money from point A to point B. You can leverage our rails to help you move money for marketplaces, rent collection platforms, and more—we are the go-to for a quick and easy way to integrate bank transfers via ACH. We offer you an  opportunity to build new revenue streams by integrating bank transfers via ACH.

Leverage the capability of the Dwolla API to enable your business model, whether that’s a marketplace connecting buyers and sellers or a platform facilitating payments between two bank accounts. Your business doesn’t necessarily need to be solely focused on the transaction—moving money isn’t the selling point, but rather this selling point is the value add from which you can derive new income.

You’re in control. It’s your autonomous business model, the fees are established by you, it’s your integration.

Developers are building new applications on top of the network.

Dwolla’s RESTful API is here for you to start building atop of. For example, Shift has developed a Visa debit card that allows you to link and spend money from your Dwolla account. A cool concept in itself, but it is also great for a number of other reasons—it’s an exemplary use case of how other developers can tap into the Dwolla network to build products that people need and want.

One developer built a platform for paying out Instagram “creators”—it took him only two weeks to integrate Dwolla and now that business can facilitate payouts seamlessly and profit off of that facilitation.

Tap the power of Open APIs

The idea part is the hardest—finding places of improvement and development or building a new business from scratch. When you have that aha moment, map out your business model and let us help you with integrating bank transfers.The Dwolla API is here, ready to build atop of and create a new revenue stream for your business. Your one step to get started:

  1. Reach out to our integrations team. Describe your payments needs below and explore our ACH transfer API in the meantime.

Get started with your own ACH integration

We'll help you design your ideal payments experience.


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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.