A method includes receiving, by a backend application, a request for a transaction from a frontend application, and determining, by the backend application, that the request is approved according to an approval policy. The method also includes creating, by the backend application, a single-use account, and requesting, by the backend application, a single-use code for the single-use account from a financial institution. The method also includes receiving, by the backend application, the single-use code, and sending, by the backend application, the single-use code to the frontend application.