Put the Customer Experience Under Your Brand
Many fintechs do not want to send customers into a third-party portal for every account, payment or treasury function.
A white-label or embedded infrastructure model can allow the customer experience to remain under your brand while approved financial services are delivered by the relevant underlying provider.
We help qualified clients identify white-label banking and treasury infrastructure that fits their regulatory and commercial model.
What White-Label Banking Infrastructure Can Include
Depending on the program, a branded interface may include:
Accounts and wallets
Named or virtual accounts
Payment initiation
Beneficiary management
FX
Cards
Transaction history
Approval workflows
User permissions
API access
Reporting
Typical Architecture
YOUR CUSTOMER
│
▼
YOUR BRAND / APPLICATION
│
▼
WHITE-LABEL OR EMBEDDED INTERFACE
│
▼
INFRASTRUCTURE PROVIDER
│
├── Banking
├── Payments
├── FX
├── Cards
├── Compliance Controls
└── Treasury
│
▼
BANKS / REGULATED SERVICE PROVIDERS
The Regulatory Structure Matters
White-label technology does not determine who is regulated.
The contractual and regulatory model must identify:
Who onboards the customer
Who performs KYC or KYB
Who is the account provider
Who controls funds
Who is responsible for transaction monitoring
Who executes the payment
Who provides customer support
Who handles complaints
Whose terms and conditions govern the service
Whether your company is acting as an agent, delegate, distributor, program manager or technology provider
These distinctions matter more than the branding.
Suitable Use Cases
White-label infrastructure can be relevant to:
Fintech applications
Payment service providers
Remittance businesses
Business banking platforms
Vertical SaaS companies
Payroll platforms
Marketplaces
FX platforms
Treasury-management products
API vs. Hosted White Label
There are generally two broad models.
Hosted White Label
The provider supplies much of the front end and back end, with your branding applied.
This can reduce development time.
API-Led Embedded Model
Your company controls the front end while the provider supplies account, payment, FX or treasury functionality through APIs.
This usually gives greater control over product experience but requires more development.
What We Need From You
To assess a white-label program, provide:
Business model
Jurisdiction
Licensing status
Customer type
Required products
Required countries
Expected customer count
Monthly payment volume
Required currencies
Required rails
Whether you need cards
Whether you need API-only or hosted white label
Desired launch timeline
Request an Assessment
If you want customers to experience banking or treasury functionality through your own brand, send us the proposed product and flow of funds.