Build and launch your e-money ecosystem, in 21 days
SpotBanc Bank-in-a-Box™ lets you design and launch a full-scale electronic money ecosystem or online bank that allows your customers to store, send and receive money globally with ease.
Bring your EMI license or leverage one of our banking partners through Banking-as-a-Service.
Easily Onboard Customers
Instantly onboard individuals and corporate bodies using either our white-label UI or yours built through our API endpoints. Omnichannel approach makes it easy for your customers to start and finish onboarding across multiple channels.
Clean onboarding user interfaces
Advanced KYC/KYB Levels
Photo & video verifications
Document scan and review
Integrate with third-party KYC services
Issue and reconcile accounts with ease
Issue bank accounts and internal accounts to customers. Our accounts reconciliation engine enables automatic debiting and crediting of created accounts with host banks to tally with balances on your system. For manual reconciliations, upload bank statements and SpotBanc would correctly match accounts using payment references.
Issue open-loops
Automatic and manual reconciliations
Instant & Cross-border Payments
Lets your customers send & receive money instantly, and make cross-border payments via card, QR codes, wire transfers, and even cryptocurrencies. Reduce cross-border payments risks relying on our compliance technologies and expertise.
Issue cards
Bill payments
eCommerce
Peer-to-Peer
Purchases
User Account and Wallet
Issue virtual accounts with complete and personalized wallets to users. Multi-currency account feature let users create multiple accounts and hold funds in multiple currencies. Transfers between accounts are fast and easy.
Build quick currency conversation and exchange features into your product—whether it's fiat to fiat, cryptocurrency to cryptocurrency, fiat to cryptocurrency and vice versa. Set up commission charges to offer customers the best rates.
Real-time currencies conversation
Quick exchange
Charge competitive commissions
Scheduled and Recurring Payments
Offer customers the flexibility to schedule payments for later executions and automate all types of recurring payments—payroll, commissions, bills, and more—at the click of a button. Easily adjust scheduled payments before due dates.
Schedules payments
Automate recurring payments
Bills, payroll, bonuses, commissions and more
Explore Other Features
Extensive banking relationships with licence coverage
Whether you have an EMI/Banking license or looking to leverage that of a banking partner, SpotBanc accommodates your business.
Access to vast compliance expertise and technologies
Do business seamlessly by leveraging our country-specific compliance expertise and advanced KYC/eKYC, AML/CFT technologies.
Security at all levels
Keep clients' money and transactions secure with our A-grade tech and multi-level security protocols. Easily adjust protocols to fit customers' needs.
Extendible, plug and play components
Whatever banking services or functionality you want to build into your product, you can do so easily using our modern and reliable APIs.
Don’t take our word for it. See how SpotBanc helped Kogopay redesign e-money and online banking for customers.
Startup electronic money institutions and online banks face technological and business workflow challenges even if they've acquired an EMI/banking license. SpotBanc fills this need with our Bank-in-a-Box approach, helping startups launch highly-compliant e-money and online banking ecosystems faster. Read how SpotBanc worked with Kogopay to build a socially conscious startup that provides virtual IBANs accounts and mobile wallets to customers.