We build client-owned, licensed neobanks for corporates

Neobank is an established business term. Neobanks are regulated entities with financial licences issued by national central banks. Depending on the licensing country and region, these licences may be called EMI, PEMI, PI and so on.

A neobank can open payment accounts, process transfers, issue cards, exchange currencies, and manage the financial system and its flows. Some banking functions — deposits, lending and investments — are available to neobanks only in partnership with traditional banks.

Control over payment infrastructure

When a business relies only on external infrastructure, the bank, acquirer, BaaS platform or payment provider sets the terms: geography, limits, pricing, available functions and the time needed to launch new solutions.

A corporate-owned neobank allows the corporate to design payment processes, choose banks and technical suppliers, and manage the client interface itself.

Complex money flows can be automated

A neobank can automate the split of one payment between several recipients; payouts to merchants, dealers, agents, contractors, employees, clients and partners; settlements between business units; reserves; refunds; deferred and conditional payments.

Settlement logic can be linked to an order, contract, invoice or confirmation of performance.

Centralised corporate treasury

For a business with several companies, branches and countries, the neobank becomes a single treasury layer over the group’s bank accounts.

One infrastructure brings together payment initiation and approval, limits and permissions, virtual accounts for companies, business units, projects and counterparties, bill payment, supplier settlements and expense management.

 Integration with ERP, CRM and accounting provides unified reporting, a live view of money flows and a basis for liquidity forecasting.

The neobank holds client balances at partner banks selected by the corporate and cannot use them without control. The economic effect comes from faster processing, stronger control, lower operating costs and more flexible financial settings.

Lower payment costs and shorter payment time

Own infrastructure allows the corporate to move from buying a set of separate payment services to managing its own payment chain.

The economic effect comes from consolidating volume, reducing the number of intermediaries, entering into direct agreements with infrastructure partners, optimising routing and currency operations, and automating payment processing and reconciliation.

Transactions can be executed at t+0 speed.

Improved working-capital management

Own payment infrastructure allows the corporate to identify incoming funds faster and automate payouts, reserves, refunds and supplier settlements.

This reduces errors, improves visibility of obligations and supports more accurate liquidity forecasting based on transaction data.

New sources of revenue

A neobank allows the corporate to monetise payment volume, its client base and partner network. Revenue can come from fees for transfers, payment acceptance and funds distribution; from servicing accounts, wallets and cards and paid financial functions; and from currency conversion and card interchange.

A separate direction is B2B monetisation: payment APIs, services for suppliers, dealers, franchisees and partners, white-label solutions and partner financial products.

Embedding financial infrastructure in the core product

A neobank embeds financial functions directly into the core product.

The client does not need to move to an external bank or payment app. The corporate neobank supports accounts, wallets, cards and payment links, as well as transfers, mass payouts, refunds, funds distribution and multi-currency operations.

 Payments run at t+0 speed. APIs connect financial functions to the corporate’s internal business processes and run them automatically. Where required, the infrastructure also supports more complex financial scenarios with bespoke logic.

The payment function becomes part of the client journey rather than a separate external operation.

Keeping the client inside the corporate ecosystem

The corporate manages the client’s financial cycle inside its own ecosystem: from receiving funds and making payments to refunds, compensation, bonuses, repeat purchases and partner payouts.

Loyalty programmes become part of a managed payment balance

The same infrastructure supports bonus and prepaid wallets, gift instruments, closed payment circuits, cashback, targeted payouts, partner cards, points-based, status-based and joint loyalty programmes.

A bonus becomes part of a managed payment balance rather than only a separate loyalty point.

Faster launch of new products

When working only through external financial organisations, new functions, countries, client segments and business models depend on their compliance and product approval.

Own infrastructure creates an internal platform for developing wallets, cards, loyalty programmes, solutions for dealers, suppliers, employees and subsidiary brands, white-label services and local payment products.

Transaction data is a corporate business asset

Own payment infrastructure links a financial operation to its business context: the client, order, contract, product or service, supplier, fee, recipient, refund, initiator and fulfilment of conditions.

This data can be used to analyse client behaviour, demand, unit economics and pricing, personalise services, run loyalty programmes, support scoring, detect fraud, automate accounting and develop new products. 

Transaction data is a corporate asset, not only a report received from an external bank after the transaction.

Corporate payment independence

A corporate-owned payment layer allows the corporate to change its bank, processor or payment provider while keeping the core client product and its payment logic.

The corporate becomes less dependent on the restrictions, pricing and product decisions of a single infrastructure provider.

International scaling

Payment infrastructure becomes a common foundation for the corporate’s work in overseas markets.

It allows the corporate to manage currencies, local payment methods, international transfers and settlements with local partners centrally; build client identification, transaction monitoring, sanctions screening and reporting; and connect several banks and payment providers across jurisdictions.