Embedded Finance

Embedded Finance Platform Development

We design and build embedded finance platforms that bring wallets, payments, virtual accounts, cards, and compliance workflows directly into your product. We integrate financial infrastructure providers and build the user interfaces, administration tools, and transaction workflows.

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Who This Is For

SaaS companies adding financial features

Marketplaces building seller wallets and payouts

Gig economy platforms

B2B platforms with payments and accounts

Neobanks and challenger banks

Crypto-native platforms adding fiat finance

Enterprise software adding embedded payments

What We Build

Embedded Wallets

Integrate stablecoin or fiat wallets directly into your product. Users manage balances and transact within your app without ever visiting a third-party financial service.

Payment Flows

Checkout, payment links, invoice payments, and programmable disbursement flows — all embedded within your platform rather than redirected to an external payment processor.

Virtual Accounts

Provision virtual IBANs or bank accounts for your users. Each account receives payments independently and integrates with your platform ledger.

Virtual Cards

Issue virtual Visa or Mastercard cards to your users through an integrated card issuing processor. Users spend with a card linked to their platform balance.

Ledger System

A central ledger that tracks all financial activity across wallets, accounts, and cards within your platform. The source of truth for balances and reconciliation.

KYC / KYB Onboarding

Integrated identity and business verification at every appropriate product touchpoint. Configurable for the level of verification your product and jurisdiction require.

Admin Dashboards

Operational tools for your finance, compliance, and support teams to manage users, accounts, cards, transactions, and exceptions.

API Integrations

We integrate with banking partners, card processors, on-ramp/off-ramp providers, KYC providers, and stablecoin infrastructure as needed for your product.

Reporting & Risk Controls

Transaction monitoring, AML screening, reporting pipelines, and risk threshold configuration across all financial flows in the platform.

Core Platform Features

Embedded wallets

Payment flows

Virtual accounts

Virtual cards

Ledgers

User onboarding

KYC / KYB

Admin dashboards

API integrations

Reporting

Risk controls

Technical Architecture

Frontend

Embedded wallet UI components
Virtual account dashboard
Card management interface
Payment and transfer flows
KYC onboarding screens

Core Backend

User financial profile service
Ledger service (multi-product)
Payment orchestration layer
Notification and webhook service
Compliance workflow engine

Financial Integrations

Banking partner (virtual accounts, payments)
Card issuing processor
Stablecoin wallet infrastructure
On-ramp / off-ramp provider
FX provider (if multi-currency)

Compliance Layer

KYC / KYB provider integration
AML and sanctions screening
Transaction monitoring
Jurisdiction-based controls
Audit logs and compliance reports

Admin & Operations

Unified admin dashboard
User and account management
Transaction review queue
Exception and dispute handling
Settlement monitoring

Compliance & Regulatory Note

Embedded finance products involve regulated financial services including payments, accounts, and card issuing. The regulatory obligations vary by product type and jurisdiction. Your banking partners, card processors, and other licensed providers carry certain regulatory responsibilities. Depending on your product structure and markets, you may also need regulated status. We build the software platform and integrate licensed partners; we do not provide banking, payment institution, card issuing, or e-money services directly.

Build Scope

MVP Scope

A focused first build that delivers core value.

1
One core financial product (wallet, account, or card)
2
Basic user onboarding and KYC
3
Core transaction flows
4
User-facing balance and history view
5
Admin management dashboard
6
Webhook delivery

Advanced Features

Capabilities to add once the core is live.

Full product suite (wallets + accounts + cards)
Multi-currency support
Stablecoin and fiat hybrid architecture
On-ramp and off-ramp integration
Advanced compliance tools
Multi-region and multi-jurisdiction support
Accounting and ERP integrations
Whitelabel and API product delivery

Why Work With Us

Web3 + Fintech Execution

Deep blockchain expertise combined with practical fintech and payment product knowledge.

Full-Stack Implementation

Frontend, backend, smart contracts, wallet integrations, and admin dashboards in one engagement.

On-chain + Off-chain Design

Systems that bridge blockchain and traditional infrastructure — crypto and fiat where needed.

Compliance Integrations

KYC/KYB, AML, and risk controls implemented to requirements agreed with your compliance team.

MVP Development

A scoped first release to test with users before expanding the platform.

Ongoing Support

Post-launch maintenance, scaling, feature development, and third-party integration updates.

Frequently Asked Questions

What is embedded finance?

Embedded finance means integrating financial products — wallets, payments, accounts, cards, lending — directly into a non-financial product or platform. Rather than users going to a bank or payment service separately, the financial functionality is part of the core product experience.

What financial products can be embedded?

Common embedded finance products include stablecoin and fiat wallets, virtual bank accounts (IBANs), virtual and physical payment cards, on-ramp/off-ramp flows, peer-to-peer payments, and spend management. We build across all of these based on your product requirements.

Do you provide the financial services directly?

No. We build the software platform and integrate with licensed financial partners — banking providers, card issuers, e-money institutions, and on-ramp/off-ramp providers. The regulated financial services are provided by those partners.

How do you choose the right financial partners?

We help you evaluate and select the right partners based on your geography, product requirements, regulatory constraints, and commercial terms. We have integrated with a range of BaaS providers, card processors, and crypto infrastructure providers.

Can an embedded finance platform handle both fiat and crypto?

Yes. This is a common architecture for web3-native and hybrid fintech platforms. The platform can hold fiat balances via banking partners and stablecoin balances via on-chain wallet infrastructure, with conversion between the two via on-ramp/off-ramp integrations.

How long does it take to build an embedded finance platform?

A focused MVP with a single financial product (e.g. virtual account + payments) typically takes 3–5 months. A full embedded finance platform with accounts, cards, wallets, and compliance tools is a larger engagement of 6–12 months. We always recommend scoping an MVP first.

Building an Embedded Finance Product?

We design the architecture, select the right partners, and build the full platform. Let us scope your embedded finance product.

Book a Discovery Call Get a Technical Scope

Virtual IBAN Platform →Virtual Card Platform →Stablecoin Wallet Development →KYC, KYB & AML Integration →