Fintech, dissected: KYC, accounts and ongoing monitoring
Founders treat KYC, accounts and ongoing monitoring as three separate vendor decisions. They are one connected spine, and your sponsor reviews the system, not the parts.
Turn your platform into a financial operating system.
Build personalised banking for your users, without becoming a bank.
click any tile to connect or disconnect it
Trusted by
Fintechs
Launch your fintech in weeks with infrastructure that handles the complexity of banking, cards, and compliance so you can focus on customers
BaaS/CaaS
Offer banking and card products to your customers without the cost and complexity of becoming a licensed institution yourself
Marketplaces
Improve take rates and reduce seller churn by offering instant payouts, branded cards, and integrated accounts
Infrastructure Providers
Deliver full-stack solutions to your customers without disrupting your core infrastructure or diverting engineering resources
Fintechs
Launch your fintech in weeks with infrastructure that handles the complexity of banking, cards, and compliance so you can focus on customers
BaaS/CaaS
Offer banking and card products to your customers without the cost and complexity of becoming a licensed institution yourself
Marketplaces
Improve take rates and reduce seller churn by offering instant payouts, branded cards, and integrated accounts
Infrastructure Providers
Deliver full-stack solutions to your customers without disrupting your core infrastructure or diverting engineering resources
Marketplaces
Improve take rates and reduce seller churn by offering instant payouts, branded cards, and integrated accounts
Infrastructure Providers
Deliver full-stack solutions to your customers without disrupting your core infrastructure or diverting engineering resources
Fintechs
Launch your fintech in weeks with infrastructure that handles the complexity of banking, cards, and compliance so you can focus on customers
BaaS/CaaS
Offer banking and card products to your customers without the cost and complexity of becoming a licensed institution yourself
One platform. Infinite flexibility
The Integrated Finance platform is the orchestration layer beneath. It connects multiple financial service providers through a single integration, allowing you to choose best-in-class services while we handle the complexity of managing them all.
ACCOUNTS
ROUTING
FRAUD
PAYMENTS
LEDGER
ACCOUNTS
ROUTING
FRAUD
PAYMENTS
LEDGER
ACCOUNTS
ROUTING
FRAUD
PAYMENTS
LEDGER
CARDS
CUSTOMER
VALIDATION
RISK
DEBTS
FX
CARDS
CUSTOMER
VALIDATION
RISK
DEBTS
FX
CARDS
CUSTOMER
VALIDATION
RISK
DEBTS
FX
LICENSING
LOYALTY
KYC
AML
REPORTING
LICENSING
LOYALTY
KYC
AML
REPORTING
LICENSING
LOYALTY
KYC
AML
REPORTING
COMPLIANCE
SLA & KPI
DATA
SHARING
MONITORING
ALERTS
COMPLIANCE
SLA & KPI
DATA
SHARING
MONITORING
ALERTS
COMPLIANCE
SLA & KPI
DATA
SHARING
MONITORING
ALERTS
Infrastructure that compounds over time
Integrated Finance isn't just infrastructure — it's a long-term operating advantage that automates more, learns more, and does more as your business scales.
Exceptions become automations
Every edge case your team handles manually gets captured as a decision. Over time, one-off judgement calls become automated routines — so your operations get smarter without any extra effort.
Compliance that runs itself
MidOffice AI continuously monitors your live content and policies for drift, keeping you audit-ready around the clock without a dedicated compliance team.
Switch providers, not platforms
Add, swap, or failover banking, card, or compliance providers at any time through Integrated Finance's orchestration layer — your core product stays untouched.
Scale without scaling headcount
As transaction volume grows, AI handles the routine work. Your back-office costs don't grow in line with your user base.
Explore the demo
See what IF can do for your business
Take a self-guided tour of the platform and see how Integrated Finance handles the complexity of banking, cards, and compliance in one place.
Latest News
Fintech, dissected: FX and what actually happens when money changes currency
Ask a founder how their FX works and you get one sentence: mid-market plus a margin. That is the price, not the product. Underneath it are four steps, and the gap between a customer accepting a rate and you owning that currency belongs to somebody.
Read moreIt’s all linked: auth vs settlement, and when money actually moves
When your customer taps a card and the terminal says approved, no money has moved. What has happened is a promise. The money moves days later, and almost every card programme mistake traces back to a team that hadn’t internalised that.
Read moreOwn licence vs sponsorship: a lesson in execution
What a fintech licence actually gets you, the licence types available in the UK and Europe, and how to decide whether to apply for your own or rent one from a sponsor.
Read moreRead more
How to Get BaaS Providers to Pay Attention
You're a fintech founder with a real gap in the market — so why do the banks and BaaS providers keep ignoring you? Because the first meeting isn't a sales call. It's an interview. Here's what every partner silently scores you on, and how to walk in ready.