The complete toolset to create banking your way

SpotBanc modular banking engine is enriched with the full stack of technologies and business components needed to launch financial products, all delivered via customisable User Interfaces (UIs) and flexible APIs.

Bring your ambitions to life - with the right tools

We’re constantly innovating, so you can too. Build on bold ideas to create products your customers love. 

Our modular banking engine enable you to offer these conveniences faster, cost-effectively and in style.

Reimagine your financial offerings

Customisable UI

Customise SpotBanc to reflect your brand name, colours, and logo. Configure web links, site texts, and other UI elements. Offer customers the same banking experience across multiple channels—web or mobile app (iOS and Andriod).

Banking/EMI License

Save the cost and time involved in acquiring a banking/EMI license and deliver financial services faster by building on the EEA licenses of our Banking-as-a-Service providers. You can choose host banks from our ecosystem or onboard yours.

Compliance & Risk Management

Be compliant with regulatory demands by leveraging our extensive compliance expertise, advanced KYC/AML processes, verification technologies and country-specific compliance setups.

Account management

Issue internal accounts, e-wallet accounts, IBANs, routing numbers, routing numbers, sort codes, SWIFT/BIC and cards. Allow users to set up multiple accounts holding multiple currencies.

Payment Infrastructure

Add payment tools such as card, cash, wallet, wire transfer, cryptocurrencies, QR code and more, to your product. Leverage extensive international corridors, to facilitate cross-border payments.


A comprehensive lending engine and toolkit to create a variety of loans tailored to customers' needs. From automating creditworthiness verification and repayment flows to managing debt factoring, SpotBanc makes it happen.

Cross-border Banking

Facilitate the sending and receiving of money across borders. Set up country-specific transaction fees, currency exchange rates and other favourable cross-border payment parameters.


Issue all types of fully programmable, high-interchange debit cards for individuals and businesses. Deliver physical and virtual cards, with all the features customers have come to expect.

Create bespoke products

Using powerful business workflows

Deposit Engine

A deposit engine and toolkit to create deposit-based offerings complete with accounting systems. From digital wallets and online banks to prepaid cards, savings, overdrafts and more, SpotBanc gets you there faster.

CRM Tools

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.

Ledger Engine

A transparent, immutable and cryptographically verifiable ledger engine powered by Amazon Quantum Ledger Database (QLDB) to easily automate, streamline and manage transaction accounting according to pre-defined rules.

Fiat & Cryptocurrency

Support 150+ fiat and cryptocurrencies on your platform. You can enable fiat-to-fiat, fiat-to-crypto and crypto-to-crypto transactions within or across accounts.

99 % Uptime

Our systems are up and running 99.9% of the time

21 Days

Approximate time to go from idea to launch with SpotBanc

4 x Faster

To go to market than building in-house


Backed by leading service providers

Build the NextGen of financial services

E-money services

Launch electronic money service within days

Digital Wallet

Customise a digital wallet solution; issue wallet accounts

Niche Banking​

Design a niche banking offering to special clients

Virtual Accounts Mgt.

Create and manage pooled virtual accounts


Offer loan products backed by a robust lending system


Launch remittance and bills payments business

Portfolio Management

Streamline portfolio management using our ledger engine


Create a licensed neobank faster & with ease


Launch an advanced crowdfunding platform

Ready To Launch?

Go LIVE in a matter of days

Go Deeper! Discover the SpotBanc platform

Our Modular Banking approach

Learn our unique approach to building banking that saves you time and cost and helps you scale quicker.

Plug and play partners without constraints

Break free from partner-locking a single Banking-as-a-Service partner and reduce deposit risks.

Key Features for endless possibilities

Explore powerful features built into SpotBanc that help you deliver outstanding customer experiences.