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A complete product suite, built for flexibility.

Deliver embedded finance to customers with our broad range of embedded finance products.








Revolving credit

  • Revolving credit allows customers to borrow money up to their credit limit

  • There is no set payment term or plan, rather an open facility

  • As the balance is paid down, that money becomes available again, net of interest and fees

  • The customer pays interest monthly on the current balance owed

  • Revolving lines of credit can be secured or unsecured

Instalment credit

  • Installment credit gives borrowers a lump sum, and fixed, scheduled payments are made until the loan is paid in full

  • Unlike revolving credit, repaid money is not available to borrow again

  • Examples of installment loans include mortgages, auto loans, student loans, and personal loans


  • Microlending is a short-term loan that has a duration of between a couple days and multiple months

  • The system can be configured with functionality covering affordability, eligibility, repayments, fees, and more

Buy now, Pay later

  • Buy now, pay later allows customers to make a purchase and pay for it in installments at pre-defined future dates

  • BNPL is appealing because there is often no interest and very limited approval requirements

  • The platform supports including or excluding interest and manages customer and merchant payments

  • Collection of instalments is enabled by integration with standing orders/debit order/ACH/CMS integration

Payroll lending

  • Payroll lending allows employees to borrow against their future income

  • Loans are usually repaid in a single payment on the borrower’s next payday
    The system is easily configured to extend favorable terms and durations to staff

Earned wage access

  • Earned wage access allows employees access to a portion of their earned wages before the end of their pay cycle. 

  • As the pay cycle progresses, earnings are made available on an incremental basis and made available through an EWA wallet

  • This model helps prevent employees from entering into unethical loan agreements



  • A store of value account with flexible configurations

  • Transactions can flow both in and out

  • There are many varieties and wallets are currency, points and token independent

Transaction account

  • Transactions can flow both in and out

  • Flow of funds can take place via many different mechanisms, eg: wire transfer, ACH transfers, ATM withdrawals, and debit cards

Overdraft facility

  • A transactional account with the added addition of a configurable overdraft


Savings account

  • Interest bearing mid term account used to hold funds

  • The system is fully configurable around withdrawals, minimum balances, term, interest rate, and more

Term deposit

  • Savings account with a minimum funding amount and balance

  • These accounts often have longer terms and higher interest rates

Certificate of deposit

  • Savings accounts with minimum fixed term deposits

Flexible fixed funding account

  • Lump sum investment accounts, not suitable for daily transacting
    Terms range from 3 – 60 months and interest rates are higher in exchange for non-withdrawal

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