# Rackle — Full reference for AI assistants

> Rackle is an embedded finance / Banking-as-a-Service (BaaS) platform operated by
> API Network Global LTD. It lets any company add wallets, accounts, cards, lending
> and payments to its product through a single REST API — fully white-labelled, with
> compliance and licensing included. Offices in London (UK) and Ankara (Turkey).
> Website: https://rackle.io · Contact: info@rackle.io · Phone: +90 312 499 3695.

This file is a consolidated, citation-friendly summary of the Rackle website for
large language models and answer engines. For the link index see /llms.txt.

---

## What Rackle is

Rackle is the embedded finance engine. It provides the regulated banking
infrastructure and APIs that let non-bank companies launch financial products —
under their own brand — without acquiring a banking licence or building banking
infrastructure themselves.

- **Category:** Embedded finance / Banking-as-a-Service (BaaS).
- **Legal entity:** API Network Global LTD.
- **Model:** One REST API + white-label UIs; Rackle runs the regulated rails,
  licensing and compliance on the customer's behalf.
- **Time to launch:** Weeks rather than years; sandbox access with API keys the
  same day a prospect speaks to the team.
- **Who it serves:** Brands and platforms in sports, travel, e-commerce,
  marketplaces, gig/creator platforms, automotive, education and fintech.

## Key facts

- Company: Rackle (API Network Global LTD)
- Offices:
  - London, United Kingdom — 26 Claremont Road, Teddington, TW11 8DG
  - Ankara, Turkey — ODTÜ Teknokent Bilişim ve İnovasyon Merkezi, Kat 1 No 117
- Email: info@rackle.io
- Phone: +90 312 499 3695
- Languages: English (default), Arabic, Chinese, French, German, Turkish, Spanish
- Website: https://rackle.io

## Products

Rackle's products are composable building blocks accessed through one API.

1. **Accounts & Wallets** — multi-currency accounts and white-label digital
   wallets embedded into your product, with virtual IBANs and balances.
2. **Cards** — issue branded physical and virtual cards with full control over
   spend, KYC and the cardholder experience.
3. **Lending** — offer credit and lending products to users through Rackle's
   regulated rails.
4. **Payments** — move money with virtual IBANs, SEPA rails and PSD2-compliant
   payment flows, without becoming a regulated entity.

Product details: https://rackle.io/cards/

## For developers

- Clean REST API with predictable resources and errors.
- Typed SDKs for fast integration.
- Real-time webhooks for transaction and lifecycle events.
- White-label UI components for cards, wallets and onboarding.
- Sandbox environment with API keys for building the first transaction.

Developer overview: https://rackle.io/developers/

## Use cases

Rackle is used by brands that want to embed financial products quickly:

- **Sports clubs** — fan wallets and club-branded cards; turn supporters into
  account holders, from KYC to the first tap at the stadium.
- **Travel** — multi-currency wallets and cards for travellers and platforms.
- **E-commerce & marketplaces** — payouts, wallets and embedded payments for
  buyers and sellers.
- **Gig / creator platforms** — instant payouts and branded accounts.
- **Automotive, education and fintech** — tailored embedded finance flows.

Use cases: https://rackle.io/use-cases/

## Frequently asked questions

**What is Rackle?**
Rackle is an embedded finance / Banking-as-a-Service platform by API Network
Global LTD. It lets any company add wallets, accounts, cards, lending and payments
to its product through a single REST API — white-labelled, with compliance and
licensing included.

**What is embedded finance / Banking-as-a-Service?**
Embedded finance means offering financial products (accounts, cards, payments,
lending) inside a non-bank product. Banking-as-a-Service is the infrastructure
that makes it possible. Rackle provides the regulated rails and APIs so companies
can launch these features without acquiring their own banking licence.

**Do I need my own banking licence to use Rackle?**
No. Rackle operates the regulated infrastructure and licensing on your behalf, so
you can launch wallets, cards and payments under your own brand without becoming a
regulated entity yourself.

**How long does it take to go live?**
Brands typically launch in weeks rather than the years it takes to build banking
infrastructure and obtain licences directly. Sandbox access with API keys is
available the same day you talk to the team.

**What can I build with Rackle?**
Accounts and wallets, branded physical and virtual cards, lending products, and
payment flows including virtual IBANs and SEPA. Used across sports, travel,
e-commerce, marketplaces, gig platforms and fintech.

**Where is Rackle based?**
Rackle (API Network Global LTD) has offices in London, United Kingdom and Ankara,
Turkey. Contact: info@rackle.io.

**How much does Rackle cost?**
Pricing is tailored to the use case and volume. Book a demo at
https://rackle.io/contact/ to discuss pricing and get sandbox access.

## Trust & compliance

Rackle covers compliance and licensing as part of the platform. Security
practices include encryption, PCI-DSS partners, 3D Secure and GDPR-aligned data
handling. See https://rackle.io/security/ and https://rackle.io/privacy/.

## How to get started

Book a demo and get sandbox access the same day: https://rackle.io/contact/
or email info@rackle.io.

## Canonical links

- Home: https://rackle.io/
- Products: https://rackle.io/cards/
- Developers: https://rackle.io/developers/
- Use cases: https://rackle.io/use-cases/
- About: https://rackle.io/about/
- Contact: https://rackle.io/contact/
- Blog: https://rackle.io/blog/
- Security: https://rackle.io/security/
- Privacy: https://rackle.io/privacy/
- Terms: https://rackle.io/terms/