Everything needed to build a bank in one solution
SpotBanc Bank-in-a-Box™
SpotBanc Bank-in-a-Box™ incorporates all banking components—Banking-as-a-Service (BaaS), compliance, workflow technologies, payment network, business expertise and more—required to build a functional financial product within 21 days.
Why choose SpotBanc?
Build your ideal financial product with extensive unique features and go live in under 21 days, not months.
Single access point to a suite of banking components required to start offering unique banking services to your customers.
Design your product using our user interface or build yours using our rich set of APIs. Mix & match banking partners and integrate third-party services to scale.
Get complete banking components, our business expertise, access to banking partners, business lifetime support—all at competitive rates.
Deliver banking services on a secure platform compliant with country-specific legal requirements and trusted by leading brands and start-ups.
Collaborate with our banking, compliance and payout partners or bring yours onboard to help build and scale your financial product.
Create your unique product using SpotBanc banking components
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User Interface
Customize your product's user interface to match your
brand within minutes, using our UI or yours. Offer customers
the same banking experience across multiple channels—web
or mobile app (iOS and Andriod). -
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Workflow Management
Define the banking services your business wants to offer
and orchestrate how they are delivered to customers.
Easily set up workflows for customer onboarding, payments,
lending & overdrafts, security and more. -
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Compliance & Risk Management
Be compliant with country-specific regulatory demands
leveraging our extensive compliance expertise. Automate
KYC/eKYC processes and AML monitoring parameters
orchestrated to ensure your business runs smoothly. -
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Fiat & Cryptocurrency
Setup system capacity to allow customers to send and
receive money in any number of fiat and cryptocurrencies
you support. Enable fiat to fiat, fiat to cryptos or crypto to
crypto conversions within or across (multiple) accounts. -
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Remittance & Cross-Border Banking
Facilitate the sending and receiving of money across local
and international corridors. Setup country-specific transaction
fees, currency exchange rates and other favourable cross-border
payments parameters. -
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Payments
Build multiple payment methods—card, cash, wallet,
bank transfer, cryptocurrencies, and external payments
integrations—into your product. Let customers pay you
using payment methods that suit their lifestyles! -
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Customer Relationship Management
Respond faster and efficiently to customers' requests by
building CRM tools into your product—SMS, email, in-app
chat, and more. Insightful customer data displays to help
you better understand your customers. -
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Account Management
Issue bank account numbers, IBANs, routing numbers,
sort codes, SWIFT/BIC and cards. Know your business
financial position at a glance. Offer customers the freedom
to set up multiple accounts holding multiple currencies. -
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Loan Management
Offer customers multiple types of loan products and
overdrafts. Set up protocols for verifying creditworthiness,
charging interest rates and payback periods. Recover debt
faster using powerful automation. -
One solution serving multiple verticals
Electronic Money Institutions
Design and scale a standard e-money ecosystem or online bank that allows customers to move money globally with ease.
Neobanks
All banking components, banking APIs and license coverage required to build and launch a neobank in 21 days. Your idea, our tools.
Challenger Banks
Launch a challenger bank using our bank-in-a-box solution, our partners or yours, and country-specific compliance expertise.
Business Banks
Build seamless business banking solutions into your product that saves costs for corporate customers and improve their efficiencies.
Private Banks
Give VIP clients exquisite, highly secured and personalized digital banking experiences leveraging our premium private banking solution.
Specialist Banks
No matter how unique or complex your special banking idea is, you can build it using SpotBanc.
Loan Management
Offer customers innovative loan products and automate loan management processes from loan creation to debt collection.
SpotBanc VAM™
Manage customers' pooled virtual accounts and in-house banking activities using our Virtual Account Management solution.
We help create financial powerhouses
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Bridging startup challenges for electronic money institutions
Even with an EMI license, startups and online banks face many
technological and business workflow hurdles which delay time
to market. With SpotBanc, you launch your complete e-money product
faster and scale to offer further online banking services with ease.
See how SpotBanc helped Kogopay build a socially conscious startup
that provides virtual IBANs accounts and mobile wallets to customers. -
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Helping neobanks take advantage of opportunities faster
Building a bank from the scratch is hard—whether it's a neobank or
a challenger bank—as it involves shouldering a lot of compliance and
technological complexities. SpotBanc saves you time and costs by giving
a single access point to all banking components required to build and
scale a digital bank.
See how SpotBanc helped Chromepay provide customers, merchants and small businesses quick and secured digital payment solutions. -
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Build business banking solutions into your product
What do your business customers want the most out of a financial
product? Efficiency and cost reduction! SpotBanc helps you offer
seamless banking solutions for your business customers that saves
them costs and improve efficiencies.
See how SpotBanc helped Stern bank deliver online banking and trade
finance services to small and medium-sized businesses. -
Experience a world of banking APIs
Banking-as-a-Service
By partnering with multiple BaaS providers, SpotBanc not only connects you to limitless banking APIs but also gives you the flexibility to switch and select banking partners anytime to build the financial services your customers would love.
SpotBanc customers' stories
How SpotBanc helped Pagotec build an e-money platform for facilitating cross-border payments.
How SpotBanc helped Stern bank deliver online banking and trade finance services to small and medium-sized businesses.
Insights
Is building a Digital Bank worth it in 2022?
Digital banks are everywhere, each offering similar or distinct services. So what drives an entrepreneur to build a new digital bank today?
Neobanks: Everything You Need to Know
Neobanks came about as a result of bridging the gap between traditional banks and customer expectations. These digital-only platforms promise a seamle ...
African Banking Space Yet to Embrace Banking-as-a-Service
In future, every business out there might just be a fintech, thanks to Banking-as-a-Service. However, businesses in Africa are lagging behind.