How to Tokenize Bank Account Numbers
Blog post from Basis Theory
Tokenization can protect bank account information by replacing sensitive account and routing numbers with reusable references that can move across systems without requiring decryption logic. The approach is presented as flexible for many serializable data types, supportive of organizational control over underlying data, and useful for functions such as customer support, least-cost routing, and new financial products or partnerships. Basis Theory offers a PCI-compliant, SOC 2-certified token vault with an Atomic Bank token type that stores account and routing numbers together, though they may also be tokenized separately. Developers create an Atomic Bank through an API call, retain the resulting token ID as a reference to the vaulted data, and receive a masked account number suitable for storage or display; the service states that these tokens comply with Nacha security requirements for ACH transactions.
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