OffLedger Launches Second Channel Accounts Under Regulated Sandbox, Enabling Seamless Banking API Integration

Mumbai, Maharashtra Oct 15, 2025 (Issuewire.com) - OffLedger, a next-generation connected banking platform, announced the formal launch of its Second Channel Accounts (18-digit Second-Channel IDs) within a regulated sandbox environment, integrating full connectivity between banking APIs and blockchain networks.

This launch brings clarity and legitimacy to what has long been a regulatory grey area in financial technology the concept of second-channel accounts. Traditionally misunderstood as pseudo-banking layers or virtual accounts, OffLedgers system redefines them as API-based, blockchain-anchored digital infrastructure that connects to real banks and ledgers but does not hold or represent public deposits or fiat funds.

Second-channel accounts have always lived between banking and blockchain often misrepresented, sometimes copied, but never standardized, said Charles J, Head Emerging Partners of OffLedger. OffLedger brings them into a regulated sandbox, giving enterprises a legitimate, transparent way to connect both worlds safely.

Key Highlights

• 18-Digit Second-Channel IDs:
  OffLedger now issues unique 18-digit account identifiers, fully integrated with its proprietary REST/JSON APIs and blockchain ledger anchors creating a verifiable, interoperable layer between traditional banks and digital assets.
  www.offledger.app

• Regulated Sandbox Deployment:
  Operated under a regulated innovation sandbox, OffLedger provides a live yet supervised environment for fintechs, corporates, and institutions to test, deploy, and scale hybrid banking-blockchain models securely.

• API + Blockchain Connectivity:
  Businesses can connect directly via API for real-time account verification, KYC/AML/sanctions screening, beneficiary management, and blockchain-anchored settlement tracking.

• Multi-Rail Interoperability:
  OffLedger supports settlement across BNB Chain, XRP/Ripple, Polygon, and traditional banking rails, enabling unified data and transaction visibility across ecosystems.

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• DLT-Anchored Transparency:
  Each transaction generates an on-chain audit note containing immutable metadata and hash references, ensuring compliance, traceability, and audit-readiness for institutions.

Why This Matters

The idea of a second-channel has long attracted confusion from fake virtual BANs to unregulated digital accounts misused by shadow platforms. OffLedgers approach removes ambiguity by delivering:

• Regulated clarity: Operating within a supervised sandbox under existing fintech frameworks.

• No fund custody: OffLedger does not hold client money, take deposits, or issue loans. It serves purely as a connectivity and data-ledger technology provider.

• Blockchain-anchored authenticity: Every account and transaction is traceable on a distributed ledger for compliance and transparency.

• Future-ready integration: Combines API banking with blockchain rails for next-generation fintech infrastructure.

How It Works

• Sign-Up & Verification:
  Businesses register via OffLedgers AI-powered onboarding system (LLM Banker + DIDit KYC).

• Receive Second-Channel ID:
  Upon approval, they receive a unique 18-digit second-channel account number and API credentials.

• API Integration:
  Clients can perform beneficiary management, real-time verification, and transaction initialization via API.

• Blockchain Anchoring:
  Each transaction or account action generates a DLT audit note for transparent record-keeping.

• Optional Crypto Interlink:
  Through OffLedgers OFLS token, clients can optionally bridge into crypto rails for hybrid settlement.

About OffLedger

OffLedger is a fintech infrastructure platform providing second-channel account technology that merges banking APIs, AI-driven compliance, and blockchain rails into one unified system. Deployed within regulated sandboxes, OffLedger enables businesses to innovate safely across payment, asset, and settlement ecosystems without acting as a bank or holding public funds.

Our mission is to redefine financial connectivity by replacing latency, manual reconciliation, and fragmented payment systems with secure, real-time, audit-ready infrastructure.

Visit: www.offledger.app

Quote

This is not about being a fake bank. Its about creating the connective tissue between real banks, APIs, and digital assets Weve built the framework that lets businesses run next-gen payments securely without touching public funds, while fully traceable on blockchain.

Looking Ahead

OffLedger is now onboarding pilot clients across APAC, EMEA, and North America, focusing on use-cases such as embedded finance, tokenized settlements, and multi-rail interoperability.

The company plans to expand sandbox operations and integrate with additional blockchain networks and banking API partners in the coming months.