Core banking, orchestrated
One platform to launch or embed a regulated financial product — a real-time ledger of record orchestrating accounts, payments, cards, and compliance across your banking partners. Licensed or not.
Integrated Finance sits between your product and the financial system — one platform built on a real-time ledger of record. Orchestration, integrations, product building, and configurability all run on that single source of truth — with MidOffice handling compliance, governance, and operations across everything you launch.
One source of truth beneath every product you run
Every account, payment, and card authorisation writes to a single double-entry ledger — real-time, immutable, and consistent across every product, currency, and counterparty. It's the foundation the whole platform is built on: your finance, product, and compliance teams all read from the same live source of truth, with no batch processing and nothing to reconcile between systems.
Move money — and structure it — across every banking partner
Orchestrate money movement across ClearBank, Griffin, Banking Circle, LHV, and Currencycloud from a single integration — with routing, automated fee sweeps, split payments, and liquidity management running across partners, and instant failover if one goes down. Structure funds exactly how your product needs: virtual accounts, pooled accounts, and multi-level sub-account hierarchies, all mapped back to the ledger. Add or swap a partner without re-platforming — no lock-in.
Pre-integrated with your ecosystem — and wired into your own stack
The platform comes connected to the providers a regulated product depends on — Sumsub and Onfido for KYC/KYB, ComplyAdvantage for AML and sanctions screening, Featurespace for card-fraud monitoring, KYP for partner monitoring, and Thredd for card processing — so you don't build and maintain each integration yourself. And because Integrated Finance is event-driven, every state change is pushed to your systems through webhooks and a single API, slotting the platform into your product, back office, and data warehouse without re-keying or reconciliation.
Build financial products from proven primitives, not from scratch
Compose accounts, payments, cards, and compliance into a live product through one API — each primitive pre-built, certified, and ready to assemble. Launch a wallet, a card programme, a payout flow, or a full banking product by configuring the building blocks you need, instead of integrating a separate vendor for each one.
Encode your logic once — the platform reuses it everywhere
Integrated Finance isn't a template. Encode each programme's rules once — custom fund flows, bespoke transaction types, plug-in ledgers for products like loans or drawdowns — and the context engine reuses that logic across every transaction. When Uber wanted drivers paid the instant a trip ends, Integrated Finance built a custom fund flow that settles earnings on every completed trip: no new vendor, no rebuild.
Compliance, governance and operations — orchestrated by MidOffice
Where the platform orchestrates your financial product, MidOffice orchestrates everything around it. KYC/KYB, AML monitoring, and sanctions screening wired into every transaction; AI agents that keep you audit-ready between reviews; UK and EU licensing — bring-your-own or sponsored — plus permissions and a defensible audit trail; and the treasury, reconciliation, and back-office tools your team runs on — one control plane across every programme.
Explore the demo
See what Integrated Finance 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.
Our infrastructure makes the connections for you. Simple.
Integrated Finance sits at the centre of your operations, connecting providers, automating processes, and managing the moving parts so you don't have to.
Build on one API
One API, one contract, event-driven. Build against the full Integrated Finance core — ledger, accounts, payments, cards, and compliance — with webhooks for every state change.
API reference
A full REST API reference for accounts, payments, cards, and compliance — one integration, one contract.
Guides & quickstarts
Step-by-step guides to open your first account, issue a card, and initiate a payment.
Sandbox access
Build against a full sandbox before you go live — test accounts, payments, cards, and webhooks end to end.