Build the Experience Yourself. Connect the Financial Infrastructure Behind It.
Some fintechs need a hosted portal. Others want complete control over the customer experience and only need the underlying financial capabilities through APIs.
We help qualified fintechs and financial institutions source infrastructure providers that expose account, payment, treasury and related functionality programmatically.
Potential API Functions
Depending on the provider, APIs may support:
- Account creation
- Virtual account assignment
- Balance retrieval
- Transaction history
- Payment initiation
- Beneficiary creation
- Payment-status tracking
- FX quotation
- FX execution
- Card controls
- Webhooks
- Reconciliation
- User permissions
- Reporting
Example Architecture
YOUR APPLICATION
│
▼
YOUR BACK END
│
▼
INFRASTRUCTURE API
│
┌────┼────┬─────┬─────┐
│ │ │ │ │
▼ ▼ ▼ ▼ ▼
ACCTS PAY FX CARDS DATA
│ │ │ │ │
└────┴────┴─────┴─────┘
│
▼
BANKS / REGULATED PROVIDERS
API Infrastructure vs. Payment Orchestration
Payment orchestration and banking infrastructure overlap, but they are not identical.
An orchestration layer may route transactions among providers.
An infrastructure provider may also supply the underlying account, banking, treasury or payment capability.
Some programs combine both functions.
What Matters Beyond the API
A technically excellent API is not useful if the commercial or regulatory structure does not support the underlying transaction.
Before integration, the provider must be comfortable with:
- Business model
- Jurisdiction
- Licensing
- Customer profile
- Flow of funds
- Transaction volume
- Countries
- Currencies
- Settlement model
Suitable Use Cases
API-led infrastructure is relevant to:
- Fintech apps
- B2B payment platforms
- PSPs
- PayFacs
- Remittance companies
- Marketplaces
- Payroll businesses
- Treasury platforms
- Embedded-finance products
Implementation Questions
We recommend clarifying:
- Sandbox availability
- Authentication method
- Webhook reliability
- Idempotency
- Payment-status states
- Error handling
- Reconciliation fields
- Rate limits
- User permissions
- Audit logs
- FX quote validity
- Settlement timing
- Support escalation process
What We Need From You
Provide:
- Required API functions
- Countries
- Currencies
- Licensing status
- Customer type
- Expected monthly volume
- Expected transaction count
- Required payment rails
- Whether you need virtual accounts
- Whether you need cards
- Desired go-live timeline
Request an Assessment
If the financial infrastructure needs to sit behind your own software rather than inside someone else's dashboard, tell us which functions you want to expose to your customers.