Customer Experience
Built by you (or your agency) integrating embedded finance experiences into your customer experience using our APIs.
Prebuilt Components
Simple APIs
Design Kits
Use-case Guides
Mix & Match Global Products
Deep Foundations
Financial regulation licenses
Visa & Mastercard licenses
Payment scheme memberships
Credit licenses
Central bank direct currency clearing
End-to-End Operations
Financial operations
Card programme management
Card & payment processing
Loyalty programme management
Digital asset management
Settlement & clearing
Collateral management
FinCrime & fraud
AML transaction monitoring
Data feeds to customer’s ERP
A turnkey vertically integrated stack.
Embedded Banking & Wallets
also known as Banking as a Service (BaaS)
A complete set of banking and wallet components that can be assembled to create pretty much any use-case needing banking / wallet functionality that is seamlessly embedded into your customer experience.
Some examples (what would you innovate?):
-
an own branded rewards point wallet where reward points can be converted into real money and spent online and in-store
-
a games wallet that works inside and outside the meta-verse
-
a neo-bank for students
Our amazing client Wagestream created a fully-functional wage advancing prototype in five days using the Railsr platform embedded banking.
Hold
balances
Bank
account
details
Inter
ledger
transfers
International
transfers & FX
Store
digital
assets
Send
Receive
Debit
send
Open
banking
Safeguarding
Embedded Cards
also known as Cards as a Service (CaaS)
Program
set-up
Settlement
& collateral
3D Secure
Card production & fulfilment
Virtual
cards
Transaction
processing
Card
lifecycle management
Safeguarding
BIN
sponsorship
Card controls
Mobile wallets
Launching cards used to be unbelievably hard. You needed a BIN and banking sponsor, an issuer processor, a card printer and fulfilment supplier, mobile wallet tokenisation, a programme manager and a payment scheme contract. You had to integrate all these suppliers both technically and operationally. Then on top of all this, negotiate and manage commercial agreements with every vendor then finally figure out if you had actually made money. Many contracts also locked you in for five years!!
Welcome to the new super simple turnkey world of a single integration and single commercial agreement for embedding virtual cards or physical cards (debit, pre-paid, credit) into your customer experience and brand.
This means you can focus your time and money on delighting your customers.
Just like our customer and now investor SingLife. They created a fully functional prototype SingLife Account & card in just four days.