Launch in 21 days

Flexible beyond banking engine that lets you launch financial products quickly. We help you kickstart financial services, be it holding clients’ money, managing accounts, embedding finance or more.

Scale your business with complete flexibility

SpotBanc is a flexible digital financial engine that lets you create financial products on our platform, or embed financial features into your product.

With over 12 years in financial engineering, we’ve dreamed up every workflow need to help financial trailblazers go from the ground up to scale up through robust technology, complete flexibility and an ever-growing ecosystem of potential partners.

Businesses face challenges when setting up financial services—notably the high cost of building infrastructures from scratch and delays in obtaining licenses. That’s why we’ve built SpotBanc to be the backbone behind the new age of financial solutions.


A suite of business workflow to launch financial products

Go to market faster with our pre-built modular banking solution, from managing client money to lending. Accessible via a brandable Web portal, mobile app or APIs.

You call it ‘wow’, we call it Modular Banking.

White-label Platform
White-label Platform

The flexibility to use our highly customizable user interface or build yours using our rich set of APIs to your own workflow.

Plug and Play Partners
Plug and Play Partners

Access our readily integrated partners, such as multi-country payout networks, automated e-KYC and AML service providers, BaaS and payment authentication providers.

Endless Integrations
Endless Integrations

Embed more financial services into your business as you need. We have created a collaborative ecosystem.

Beyond Banking, we collaborate with you

Launch in days, not months

Create your unique solution with our suite of components and go live in just 21 days.


Save on the capital cost of building out your product’s infrastructure, investing in a compliance team or losing money for lacking experience.

Security & Compliance Covered

Deliver financial services that are totally secured and fully compliant with country-specific legal requirements

Full customization and integration

Design unique features using our user interface or build yours with our flexible APIs


Powered by our plug and play ecosystem

Use Cases

Create endless possibilities

Whether you’re creating a new financial product, embedding finance or streamlining in-house operations, we got you covered

Electronic Money Institution

Set up infrastructure for holding e-money and facilitating digital banking services such as issuing wallet accounts, accepting deposits, payments and more.

Virtual Account Management

View and manage pooled virtual accounts and centralize account payables and receivables. Create liquidity structure for managing cash and liquidity positions, in-house banking and more.

Digital Wallet

Customise your own wallet platform or embed a digital wallet where customers can store money, reward points, units, cryptos, top-ups and more.


Launch a cross-border remittance app and bill payment services or automate your remittance business operations. Offer bank transfers, cash pick-up, m-money, and more to customers.


Your customers want new and interesting digital banking services right away. You want to build it as quickly as possible and launch to market in a snap. You have SpotBanc.


Offer customers innovative loan products backed by a powerful lending system that automates processes from loan origination to debt collection.

Portfolio Management

Deliver high-end and personalized portfolio management services to high-net-worth clients, Become the 'go-to' provider for all things wealth management.


Customise and launch your online portal to help project owners attract pledges to their cause or investments for their business.

Niche Banking

Offer niche-based banking services - private banking, corporate banking, wealth management and more - to your special clientele.


Everything you need to launch financial products, in ONE platform

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.

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.

Advanced KYC/eKYC processes, AML monitoring parameters and extensive country-specific compliance setups to ensure your business runs smoothly. (include logo of compliance partners), 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.

Setup country-specific money transfer fees, currency exchange rates, corridors and other cross-border payment parameters to facilitate remittance.

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


Approximate time to go live from idea to launch.

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Our systems are up and running 99.9% of the time.

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To go to market than building in-house.

Bring your product to life in days

Get information and updates to help you build your product​