How fast can we onboard users?

Our app-based KYC with document OCR, liveness detection, and biometric auth enables sub-3-minute onboarding. Users can open accounts from their phone with real-time approval.

Is it mobile-optimized?

Yes. Built mobile-first with native app integration, Face ID/Touch ID support, device fingerprinting, and responsive APIs optimized for cellular networks.

We support UK (FCA EMI/PI), EU (PSD2), US (state MTLs), Australia (APRA ADI), New Zealand (RBNZ), and Singapore (MAS) with jurisdiction-specific compliance and reporting.

Do you support Open Banking?

Yes. Direct integration with UK CMA9 banks, PSD2 APIs across EU, and aggregators like Plaid/TrueLayer for account access, payment initiation, and income verification.

What instant payment rails are available?

UK FPS, EU SEPA Instant, US FedNow/RTP, Australia NPP, Singapore FAST/PayNow, plus traditional rails (ACH, SEPA, BACS) and card networks.

How do you prevent duplicate charges?

Idempotency keys on all mutating API calls, safe automatic retries with exponential backoff, and full audit trail for every transaction.

Payment Platform for Neobanks

Real-time rails, FX wallets, developer-first APIs, and KYB orchestration for digital banks.

Talk to sales See proof

Launch your digital bank with instant onboarding, mobile-optimized payments, and global reach. Built for neobanks that need to move fast without compromising compliance or user experience.

Digital-First Design#

Built for modern banking

Launch faster

REST APIs, typed SDKs, webhooks with replay, idempotency.

Benefit: weeks to MVP, safe retries, fewer edge cases.

Comply by default

KYC/KYB, sanctions/PEP, monitoring with explainable rules.

Benefit: alert noise down, faster case closure.

Pay anywhere

Card, ACH/SEPA/FPS, RTP, UPI, PIX, wallets; automatic retries and fallbacks.

Benefit: higher delivery rate, predictable latency.

Settle with certainty

Net/gross options, FX paths, receipts, and posting hints.

Benefit: minutes to finality, smoother close.

Mobile Optimization#

Your customers expect fast, native mobile experiences. We deliver app-native payments with biometric auth, device intelligence, and sub-3-minute onboarding.

App-Based KYC

Selfie verification, document OCR, liveness detection. Approve users in real-time from their phone.

Biometric Authentication

Face ID, Touch ID, in-app fingerprint. Passwordless security that users actually use.

Device Intelligence

Fingerprinting, geo-fencing, velocity checks. Stop fraud without friction.

Instant Onboarding#

From signup to first transaction in minutes

Ingest

Customers, devices, risk signals, corridors, partners

Decide

Policy-as-code gates risk; routing selects rail + fallback

Execute

Idempotent pay-in/out with FX and monitoring; emit events

Reconcile

Finality receipts, ledger hints, exports to ERP

What you can configure

Onboarding

KYC/KYB tiers, velocity/amount caps, device/geo checks

Routing

corridor rules, fee/FX bands, cutoffs, provider health scores

Settlement

real-time or scheduled, net/gross, auto-sweeps, liquidity guards

Ops

queues, SLAs, maker-checker approvals, audit exports

Global Reach#

We support neobanks across major markets with jurisdiction-specific compliance, licensing workflows, and regulatory reporting.

🇬🇧 United Kingdom

FCA Electronic Money Institution (EMI) & Payment Institution (PI) license support. Open Banking CMA9 integration.

🇪🇺 European Union

PSD2 compliance, E-Money Directive, passporting rights. Strong Customer Authentication (SCA) built-in.

🇺🇸 United States

State-by-state Money Transmitter Licenses (NMLS), OCC National Bank Charter support, FDIC partnership models.

🇦🇺 Australia

APRA Authorized Deposit-taking Institution (ADI) workflows. NPP instant payments, AUSTRAC AML compliance.

🇳🇿 New Zealand

RBNZ registration & reporting. Integration with NZ payment rails and AML/CFT Act compliance.

🇸🇬 Singapore

MAS Digital Bank Licenses (Full & Wholesale). FAST payments, PayNow integration, MAS TRM compliance.

Open Banking & Instant Payments

Account-to-account payments, instant settlement, and open banking APIs reduce cost and improve conversion.

Open Banking Integration

UK CMA9: Direct integration with all 9 major banks for account aggregation & payments
PSD2 APIs: Pan-European account access, payment initiation, confirmation of funds
Plaid/TrueLayer: Aggregator support for faster onboarding & income verification

Instant Payment Rails

UK FPS: Faster Payments (sub-2-hour settlement)
EU SEPA Instant: 10-second credit, 24/7/365 availability
US FedNow/RTP: Real-time payments with irrevocable settlement
AU NPP: New Payments Platform with PayID support
SG FAST/PayNow: Instant transfers with mobile/email proxies

Additional Coverage

Rails: Card networks (Visa, Mastercard, Amex), ACH/SEPA/BACS, local wires, UPI (India), PIX (Brazil), mobile wallets (Apple Pay, Google Pay, Samsung Pay)

KYC/KYB: Identity verification (Onfido, Jumio), business registries, UBO checks, sanctions/PEP/adverse media screening

Developer Tools: SDKs (TypeScript/JavaScript, Python, Java), OpenAPI specs, Postman collections, webhooks with replay, idempotency

Neobank Outcomes

<3 min

User onboarding time

<24 hours

Account approval

99.5%

Mobile transaction success

50+ currencies

Multi-currency support

40–60%

Customer acquisition cost reduction

Demo workflow

Create a customer, initiate a payout, see routing + fallback, review an alert with explainability, and download the receipt.

Upload batch

Test with your sample data

Call APIs

3-step integration demo

Get receipts

Finality + reconciliation

Try sandbox Open docs

Common questions

Explore more

Capabilities

Trust & Security

Security & Governance

Ship it without surprises

Make three calls in the sandbox and receive a real webhook.