You want to embed banking. Here is what usually gets inthe way.
Every band that sets out to banking features runs into the same six walls.
It takes far too long
Building it yourself means a large team working for the best part of two years before you have served a single customer.
Vendors pull in different directions
Accounts, cards, payments, CYC, CRM and SSO all have to feel like what experience. That means juggling separate providers, each with its own contract, API and support model.
You are not a bank
So you need a compliant way to offer banking features without becoming one, and without carrying a license you never wanted.
Every market has another patchwork
Operating across entities or regions should mean one consistent journey, not a different point solution stitched in for each one.
Go-live is not the finish line
Once you arrive, hosting, maintenance and support quietly pull your team away from the product you set out to build.
And your real product waits
Everyone spent building banking of structure is a month not spent on the seeing your customer actually came to for.
BANKING FEATURES, NONE OF THE BAGGAGE
A layer, not a build.
We give you a modular front end and middleware layer, so you can embed regulated banking features into your product without becoming a bank, and without building the infrastructure yourself.Make loyalty even more rewarding. Our end-to-end solution is built to embed into the heart of your operation.
One middleware layer orchestrates your banking, KYC, CRM and SSO providers behind a single, integrated front end. You get regulated banking rails through our partner model, while we handle the technology layer, so you never need a banking licence of your own.
If you operate across several entities or regions, one configurable platform gives you a consistent journey in every market, with room for local rules and local content.
And we do not stop at go-live. Hosting, monitoring, incident management and second-line support stay with us, so your team is free to keep building your product rather than running infrastructure.
HOW WE DELIVER
Explore, configure, operate.
A phased model that get you to market quickly, then keeps you there.
1. Explore
We align on scope, agree the MVP and map the journey your customers will actually take, before anyone writes code.
MVP scope
Journey mapping
Partner fit
2. Configure
We integrate pre-vetted banking, KYC, CRM and SSO partners behind your branded front end, and configure it for every entity and region you operate in.
Partner integration
Branded front end
Localisation
3. Operate
We keep the platform running: hosting, monitoring, incident management and second-line support, so your team stays focused on growth.
Hosting
Monitoring
Second-line support
ONE INTEGRATION
Everything banking needs, already connected.
Each capability is a Smart Finance Block, pre-integrated and ready to embed. Start with the essentials, add the rest whenever you are ready, without re-platforming.
Accounts & IBANs
Card Issuing
Payments
Mulit-currency & FX
AML Monitoring
SSO & Identity
CRM Integration
Open banking
Lending
Wealth
Loyalty & rewards
Analytics
WHO IS THIS FOR
Different starting points. One way in.
Fintech is its potential to promote financial inclusion. In many parts of the world, millions of people lack access to traditional banking services.
NON-BANK OPERATES
Add banking to the product you already have
Embed regulated accounts, cards and payments, into an existing product, under your brand, without becoming a bank yourself.
MULTI-ENTITY & MULTI-REGION
One journey across every market
Give customers a consistent age to experience pro business units and countries with configurable local rules and content.
INTEGRATORS & CONSUTLANCIES
Deliver embedded finance for your clients
Bring regulated banking to your own and clients on a platform that is alright ready to configure, rather than one you have to build.