Banking and card infrastructure you can build a business on.
Launch white-label bank accounts, wallets, and branded card programmes without building the underlying infrastructure yourself. Get to market faster, stay compliant automatically, and scale without rebuilding.
Trusted by
Everything you need to offer banking and cards. Nothing you have to build from scratch.
Launch in days, not months
Pre-built banking and card infrastructure means you're live and generating revenue in days — not waiting months for bank reviews and custom builds.
Scheme-compliant from day one
AI pre-validates your card designs and policies against Visa and Mastercard rules before bank submission — so you launch right first time, every time.
Modular and configurable
Start with accounts, cards, or both — and add payments, compliance, and FX capabilities as your product grows. Everything is designed to work together out of the box.
Offer bank accounts and wallets without a banking licence
Banking HUB gives you the infrastructure to issue multi-currency accounts and wallets to your customers through a single API — without needing your own banking licence or managing multiple banking relationships. Faster Payments, SEPA, SWIFT, and cross-border rails are all built in from day one.
Issue branded virtual and physical cards — and start earning interchange from the first swipe
Card HUB gives you everything you need to run a card programme — virtual and physical card issuing, Apple Pay and Google Pay tokenisation, real-time spend controls, and up to 100% of consumer interchange revenue. AI pre-validates your card designs against scheme rules before bank submission, cutting weeks off your launch timeline.
Stay scheme-compliant without a dedicated compliance team
MidOffice AI continuously monitors your live content, card designs, and policies for compliance drift — flagging issues before your sponsor bank or regulator does. Every authorisation decision is permanently recorded with the exact policy version that governed it, giving you a defensible audit trail at all times.
A financial engine room that runs itself
Multi-currency sub-ledgers automatically segregate your customers' funds from your operating capital, keeping you continuously compliant without manual finance team intervention. Automated fee sweeping routes your platform revenue into the right accounts the moment each transaction settles — no end-of-month reconciliation required.
Switch providers without rebuilding your stack
Integrated Finance sits as an orchestration layer between your product and your banking and card providers — so if you need to switch a provider, add a new rail, or expand into a new market, you do it through one API without disrupting what already works. You're never locked in and always in control.
See how BaaS and CaaS providers launch faster with Integrated Finance.
Built for the long term, not just the launch
The platform compounds in value the longer you use it — with automated compliance, smarter routing, and modular infrastructure that adapts as your product and customer base grow.
No provider lock-in
Switch banking or card providers without rebuilding your product — the orchestration layer handles it so your customers never feel the change.
Compliance that keeps up
Continuous monitoring and automated policy reviews mean you're always audit-ready — without dedicating a team to keeping up with scheme and regulatory changes.
Revenue from day one
Interchange revenue, platform fees, and subscription charges are swept automatically into your accounts from the first transaction — no manual collection required.
Scale without the overhead
Handle 10x transaction volume without proportionally scaling your compliance, finance, or operations teams — the platform absorbs the complexity as you grow.
How sync launched multi-currency banking 3x faster with one connection
With IF handling the provider integrations, sync's team could focus on building their card settlement technology instead of managing multiple banking relationships.
