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
- Reconciliation
- 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.