Four products. One integration.
Accounts, cards, lending and payments — composable building blocks that plug into your product through a single, consistent API. Pick what you need and ship.
Your own digital bank accounts
Spin up branded, licensed accounts for retail or business customers — with IBANs, multi-currency balances and instant transfers, all under your name.
- Fully branded and licensed accounts
- Multi-currency balances out of the box
- Real-time ledger, statements and webhooks
- Built-in KYC and onboarding flows
Programmable debit cards
Issue high-interchange Visa & Mastercard debit cards — virtual or physical — in your own design. Tokenize to Apple Pay and Google Pay on day one.
- Issue cards in your own branding
- Apple Pay & Google Pay from launch
- Fine-grained spend controls via API
- Instant virtual issuance, physical fulfilment
Loans & BNPL, fully digital
Offer consumer and SME loans in your branding. Paperless, mobile, with a credit decision in as fast as 10 minutes and instant disbursement to a Rackle wallet.
- Split purchases into easy installments
- Underwriting and servicing handled for you
- Disburse instantly to a Rackle wallet
- Configurable terms, rates and limits
PSD2 payment rails
Leverage virtual IBANs to build your own compliant payment services. Our APIs disappear behind your frontend so the journey stays entirely yours.
- Near real-time transfers via API
- SEPA, SWIFT and local rails
- Collections, payouts & reconciliation
- Your users, your brand, your journey
Cards your users will want to show off.
Issue fully branded physical and virtual cards — programmable, secure, and live in weeks.
Launch your own banking service today.
Talk to our team, get sandbox access, and ship your first transaction this week.