Case Study: Masterworks achieves democratized access to multi‑million‑dollar art investing with Dwolla's ACH payments

Masterworks is Partnering with Dwolla, Inc. to Revolutionize Fine Art Investing

Masterworks, a platform founded to democratize ownership of multi‑million‑dollar masterpieces, needed a reliable way to accept electronic payments for investors buying shares in individual works. To handle ACH transfers for per‑piece investor accounts, Masterworks turned to Dwolla and implemented Dwolla’s integrated API as the onramp to the ACH Network.

Using Dwolla’s white‑label API to initiate ACH payments, Masterworks routes investor funds into an account set up for each artwork, enabling share purchases starting at $500 and supporting scalable secondary trading and eventual sale proceeds. Dwolla’s solution powers those ACH transactions (the network moves $43 trillion annually) and builds on Dwolla’s track record moving billions of dollars and integrating with hundreds of customers, allowing Masterworks to operationalize its mission to make blue‑chip art investing accessible.

Masterworks

Scott W. Lynn

Founder