Offer banking to your sellers without becoming a bank
Give your sellers instant access to their funds, hyper-targeted rewards, and embedded financial products — while capturing the revenue that used to flow to outside institutions. All without a banking licence.
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Keep your sellers paid, loyal, and inside your ecosystem.
Instant payouts to sellers
Move money to drivers, vendors, and sellers the moment a transaction settles — 24/7, across Faster Payments, BACS, and cross-border rails.
Capture revenue you're giving away
Improve your take rate by retaining interchange and payment revenue that currently flows to outside financial institutions — turning transactions into margin.
Reduce churn through financial loyalty
64% of marketplaces report reduced churn after adopting embedded finance — because sellers and buyers who bank inside your platform stay inside your platform.
Pay your sellers instantly — without building the infrastructure to do it
Banking HUB gives you native access to Faster Payments, BACS, SEPA, and cross-border rails through a single API — so your sellers get paid the moment a transaction completes, not days later. Automated failover means a provider outage never becomes your sellers' problem.
Turn your platform into a profit centre with branded cards and hyper-targeted rewards
Issue branded cards to your sellers with spend controls and rewards tailored to exactly how they work — EV charging cashback for delivery drivers, petrol rewards for ride-share. Retain up to 100% of consumer interchange revenue and give your sellers a reason to spend inside your ecosystem rather than outside it.
Move money fast without absorbing the fraud risk that comes with it
Speed and safety shouldn't be a trade-off. Every payout is evaluated against your custom risk rules at the point of execution — AML checks, sanctions screening, and fraud controls all run before funds move. You get instant payouts without the exposure that usually comes with them.
Collect your platform fees automatically — every time a transaction settles
Operational Sweeps automatically routes your commissions and platform fees into your operational accounts the moment a transaction completes — no manual reconciliation, no end-of-month scramble. Scale your transaction volume without scaling your finance team.
Launch in new markets without starting your compliance programme from scratch
Automated KYC, AML monitoring, and regulatory reporting are built into the platform — so expanding into a new market doesn't mean rebuilding your compliance stack. Stay audit-ready across every market you operate in, without adding headcount to match.
See how marketplaces grow take rates with Integrated Finance.
Built for the complexity of multi-party money movement
Moving money between buyers, sellers, and your platform at scale is genuinely hard. Integrated Finance is built for exactly that — with the infrastructure, compliance, and intelligence to handle it all.
Multi-party payments out of the box
Split payments between sellers, drivers, and your platform automatically — no custom engineering required.
Fraud stopped before it moves
Risk controls sit in the execution path — evaluating every payout before funds leave, not after a problem surfaces.
Loyalty that lives inside your platform
Hyper-targeted rewards and branded cards keep sellers spending and transacting within your ecosystem — not outside it.
Revenue that compounds
Every new financial product you add improves your take rate — turning your platform from a cost centre into a margin engine.
How Kaldi bundled cashback, cards, and investments into one seamless app
With Integrated Finance handling the payment infrastructure, Kaldi's team could focus on building the product their users actually love.
