Embed Financial Services in Days, Not Months
Launch customised banking, card, and payment products natively within your platform. Turn your cost centre into a high-margin profit centre — without becoming a fully licensed financial institution.
Break through the 12-week implementation wall
Accelerated Speed-to-Revenue
Instantly pass sponsor bank audits by pre-validating your compliance assets — smashing traditional implementation delays.
Top-Line Growth & Margin Expansion
Turn payment flows into a profit centre by retaining up to 100% of consumer interchange revenue and safely authorising more users.
Out-of-the-Box Infrastructure
Skip the heavy lifting of building integrations from scratch and access enterprise-grade routing from day one.
Before Integrated Finance
The 12-week implementation wall that kills momentum
Launching embedded finance meant waiting weeks for sponsor banks to manually review your policies, card designs, and T&Cs — one by one. By the time you were live, your competitors had moved on.
With Integrated Finance
AI-assisted onboarding that removes the bottleneck
Pre-validated configuration blueprints and AI-assisted onboarding eliminate manual review cycles. Go live in days with out-of-the-box infrastructure — no massive compliance team required.
Stay audit-ready without lifting a finger
MidOffice AI continuously monitors your live marketing content and policies for compliance drift — so you're never caught off-guard by a partner bank or regulator. Every authorisation and compliance check is permanently recorded with the exact policy version that governed it, giving you a defensible audit trail at all times.
Connect to banking rails without building the infrastructure
Banking HUB and Card HUB give you immediate access to enterprise-grade routing and card issuing — without a single custom integration. Retain up to 100% of consumer interchange revenue and use the CoreOS Pricing Engine to configure exactly how that revenue flows through your platform.
The platform that learns from every exception
Every time your team manually handles an edge case, Integrated Finance captures the decision. Over time, those one-off judgement calls become automated routines — turning your institutional knowledge into a competitive moat that no generic processor can replicate.
The platform that gets smarter the longer you use it
Integrated Finance doesn't just help you launch — it keeps working in the background, automating the compliance and operational tasks that would otherwise eat up your team's time.
Compliance on autopilot
MidOffice AI continuously monitors your live content and policies for drift — so you're always audit-ready without dedicating a team to it.
Exceptions become automations
Every edge case your team handles manually today is captured as a decision. Over time, those exceptions become automated routines that run without intervention.
Always audit-ready
Every authorisation and compliance check is permanently recorded with the exact policy version that governed it — giving you a defensible audit trail at all times.
Smarter over time
As your platform grows, Integrated Finance surfaces richer intelligence — turning your transaction data into a competitive advantage that compounds the longer you use it.
Xpate unlocks new revenue streams in record time
With our help, Xpate was able to offer its clients instant access to funds, international payment and banking solutions, and merchant bank accounts.
