Built by you (or your agency) integrating embedded finance experiences into your customer experience using our APIs.
Financial regulation licenses
Visa & Mastercard licenses
Payment scheme memberships
Central bank direct currency clearing
Card programme management
Card & payment processing
Loyalty programme management
Digital asset management
Settlement & clearing
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.
transfers & FX
also known as Cards as a Service (CaaS)
Card production & fulfilment
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.
also known as Credit as a Service (CaaS)
If your ambition is to offer credit to your customers in your brand and seamlessly integrated into your digital customer journey, then our turnkey credit solutions are for you:
These solutions are turnkey offerings built from a combination of our Embedded Credit, Embedded Cards and Embedded Banking capabilities, then packaged for you to go live in less than 90 days.
Many of our customers use credit as a strategic product extension to generate revenue and deeper engagement from their existing customer base (for example online brokerage).
Some customers, like Paceline, use credit as a way to motivate a healthier lifestyle.
How would you innovate with credit?
BNPL (in development
Collection & recievables
Disclosures & compliance
Issue & assign credit
Balances & statements
Repayments & adjustments
IVR & end user servicing
Set-up rewards programme
Flexible reward redemption
also known as Rewards as a Service (RaaS)
Build brand recognition, improve user engagement and increase loyalty through a unique and meaningful rewards experience.
Unlock the power of insights with customer dashboards. Control product performance by using data to validate customer attach rates, engagement, and revenue. Deepen end user relationships by understanding the impact of your promotions on customer usage patterns.
Amplify your brand value with a loyalty solution powered by the Railsbank Rewards as a Service platform.