For banks and financial institutions
Ship the product your fintech competitor is still building.
The same platform that turns operator wallets into super apps runs underneath banks. Issue cards, launch wallets, price fees and settle across any unit of value, on an integration layer that sits beside your core rather than replacing it.
ISO 20022 aligned. PCI compliant. Deployed across Asia, Australia, Europe, the Americas and India.
Programme examples
Four programmes, configured rather than built.
Each one is a configuration of the same processor, so the second programme costs a fraction of the first.
QR payments
- Static, dynamic, branded and unified scheme QR
- Become the rails and charge merchants directly
- Settlement and reconciliation built in
Virtual cards
- Single use and multi-use
- Multi-currency with FX matching between point of sale and BIN
- Instant issuance, no plastic
Points that spend like money
- Earn and burn on the same card
- Top up a short balance with points at the till
- Rules configured by the customer in-app
Parent, child and corporate
- Individual or shared balances
- Director and employee cards with spend rules
- Rules engine prevents misuse before authorisation
The platform
An integration layer, not a core replacement.
Your core stays where it is. We sit beside it and give you the product velocity your core was never designed to deliver.
Universal authorisation and settlement
One system of record across any fiat currency, gold, loyalty points or other unit of value. Flexible fee configuration by transaction type, volume, currency, tier or individual customer.
Multi-level, multi-currency
Multiple wallets per account across a hierarchy, single or multi-currency, with reward, gold, corporate and family structures configured rather than coded.
Rules written by you, enforced at authorisation
Each programme sets its own preset rules for authorising and blocking payments, tiered by KYC status or by individual customer. Programmes run an average of 65 of them.
Banks that integrate an omni-channel layer do not just gain channels. They gain the customer data those channels generate, and the ability to act on it in the same week they see it.
Who this is for
Three institutions, three different starting points.
Launch a super app in months
A branded app with the sticky daily features that keep customers opening it, built on your existing account base.
Fastest path to daily active usage.
Decide faster, on better data
Company data delivered in the format your credit team already uses, so deposits, credit and savings products can be configured and priced without a build cycle.
Best for growing a business book.
Become the rails
Acquire merchants on your own QR and card programmes, set your own fee plans, and keep the economics rather than renting them.
Best for owning the acceptance side.
Tell us the one product you cannot get live this year.
We will tell you whether it is a configuration on our platform or a genuine build, and how long each would take. If it is a build, we will say so.
Talk to our banking team