A flow of funds is not an architecture diagram. It's not a user journey either. It's simpler than both. Money moves from account to account through your product, and every time it moves, you need to answer four questions
If you only remember one thing from this article, make it this: your sponsoring EMI is the most important relationship in your programme. If you don’t hold your own e-money licence, you’re operating under theirs. That means their permissions determine what you can build. Their risk appetite determines who you can onboard. Their compliance team determines whether you launch at all.
Every week a founder asks the same question: "We want to launch a debit card — how fast can we go live?" It's the wrong place to start. Walk the chain backwards and a card is never just a card: it's KYC, an account, a ledger, a sponsor's licence, and safeguarding — all linked. Here's the project you're actually signing up for.
Founders, learn how to launch a fully functional neobank across the UK and EEA using Integrated Finance. Issue accounts, cards, and payments without holding your own licence.
Discover how Integrated Finance enables stablecoin remittance platforms to operate compliantly with GBP and EUR virtual accounts, pooled treasury management, and seamless orchestration.
Integrated Finance & Tillo — Embedded Rewards & Incentives Orchestrated at Scale
Integrated Finance & ComplyAdvantage — Real‑Time Risk Intelligence Orchestrated at Scale
How we think about our marketplace and helping our customers build and scale their businesses
How companies can use Integrated Finance (IF) for financial infrastructure—such as account issuing, payments, and card processing—while using Flagright for compliance and risk management
Unlike traditional banking services that operate in closed environments, open banking decentralises financial services by mandating standardised data formats and secure communication protocols
Fintech companies have emerged as significant players in the finance industry, bringing about transformative changes in how individuals and businesses manage their funds. One noteworthy development is the rise of Account-to-Account (A2A) payments. These payments offer a secure, cost-effective, and efficient method of transferring money between bank accounts, bypassing the need for intermediaries. This innovation highlights a substantial gap where traditional banking systems have fallen short.
Traditional banks find themselves up against a significant challenge with the revolutionary changes introduced by fintechs in the lending landscape. These pioneering entities are transforming the lending experience, prioritising individual needs over a conventional one-size-fits-all approach. This article delves into the factors driving the transition from traditional banks as the primary destination for loans to the rising influence of fintech lenders. We will explore the advantages they offer and the regulatory framework that governs their operations.
