FAQs about our white-label fintech platform

• What’s the difference between Fintech Core and BaaS?

  White label banking-as-a-service vendors give you access to a boxed core banking platform, tied to a single provider, with limited customization; a roadmap, and a risk management approach you don’t control.

  Fintech Core is a modular back-end orchestration layer that slots with any custom presentation layers and ecosystem partners. Choose and swap banks, processors, DXPs, back-office tools, and compliance vendors as your product evolves. You get the speed of prebuilt infrastructure without the lock-in or single points of failure. In short, BaaS boxes you in — Fintech Core gives you control.

• Can Fintech Core support multiple regulatory jurisdictions?

  Yes. All modules in our white-label banking platform are pre-designed for compliance across EMEA, LATAM, North America, and APAC. With light tuning, we can configure your deployment to meet local market requirements and apply for specific licenses such as EMI, VASP, TAP, and others.

• How fast can a fintech product go live using Fintech Core?

  You can go live with a solid MVP in just 8-12 weeks — these are real timelines from our clients. That said, the speed-to-market depends on your product requirements, the number of partner integrations, and preferred customer-facing channels. More complex products -> slightly longer go-live timeline.

• Does the platform support EMI/VASP requirements?

  Yes, unlike other white-label banking providers, we natively support EMI and VASP licensing requirements. Out of the box, the modules are 50-70% compliance-ready, with our solutions team adding the final tweaks to match your local regulator.

• How does partner swapping work?

  Because FinTech Core is designed as an event-driven, API-first platform, we can seamlessly connect (and disconnect) any third-party APIs with all security guardrails in place.

• Is Fintech Core a replacement for my existing core banking system?

  Fintech Core can be a full swap for a legacy banking core. Although a better option is to run both side-by-side. This way, you can launch new product lines and unlock new revenue streams without immediately going into the tedious migration process.

• Can we use our own KYC/AML/Fraud vendors?

  Absolutely. As long as your vendor has a well-documented API, we can connect it to Fintech Core. We believe financial security is paramount, so you shouldn’t settle for lax controls. Your white-label digital banking platform shouldn’t be a limiting factor.

• Do you store or move client funds?

  No. Fintech Core does not store or hold client funds. All funds are held by licensed partner banks or treasury service providers, while Fintech Core acts as the orchestration and ledger layer that records, routes, and reconciles transactions securely and compliantly.

• Is Fintech Core suitable for startups or only enterprise-level fintechs?

  Fintech Core has served as an excellent launchpad for brand new startups, probing the markets with MVPs and seeking licenses. And it also did well for more mature companies, which sought faster product line expansion.

• Does Fintech Core come with a ledger?

  Yes. Fintech Core includes a built-in, real-time ledger to track all balances, debits, credits, fees, interest, and transfers with absolute accuracy. It works seamlessly across accounts, rails (fiat, crypto, and stablecoins), and currencies, and can be programmed to apply custom rules.

• Can we run crypto, stablecoins, and fiat on the same platform?

  You can. Our white-label fintech platform is designed for multi-rail money movement — fiat, cards, A2A, crypto, and stablecoins. Moreover, we integrate with popular off/on-ramp providers to facilitate secure fiat to crypto conversions.

• Can we integrate our core banking provider or legacy system?

  Yes. Fintech Core can be integrated with an existing banking core or a legacy system. Although the latter may require some degree of system modernization or component decoupling to avoid latency issues. If that’s your case, reach out to our team for a personalized consultation.

• Do you offer UI/UX components or only backend modules?

  Our core white label digital banking platform provides access to pre-made backend components out of the box. If you’re also looking for help with the presentation layer, our UI/UX team can provide ad hoc options for an extra fee.

• How does pricing work?

  Pricing is designed to scale with your product. You pay a one-time setup fee to configure your environment and integrations, followed by an ongoing license based on the modules you use. You can choose between a product license or a source-code license with potential IP ownership.

• Can we self-host the platform?

  Yes, unlike other white label banking providers, we offer the option of self-hosting all the units on your infrastructure, under the Source-Code License.

• Does Fintech Core support Apple Pay / Google Pay tokenization?

  Yes. The Payments module in our digital core banking platform is pre-designed to support Apple Pay and Google Pay tokenization, so you can issue and provision cards to mobile wallets without building custom tokenization flows, while meeting security and certification requirements

• How does Fintech Core handle scalability?

  Our white-label digital banking software is based on an event-driven, modular architecture designed to scale horizontally as volumes grow. Core components can be scaled independently to handle spikes in transactions, users, or integrations without impacting system stability. This lets you increase throughput without re-architecting the platform.

• Do you support chargeback flows and dispute management?

  Yes, via card-issuing and acquiring modules or through the merchant portal / orchestration layer.

• Is Fintech Core suitable for B2B products or only consumer fintechs?

  Fintech Core is suitable for launching B2B and B2C consumer products as the core modules can be adapted to support both business models. For example, you can use our white label lending platform modules to create an app that issues both private and business loans.

• Can we migrate from a monolith to Fintech Core gradually?

  Yes. Many teams adopt it as a side-by-side modernization layer, replacing components step by step without a risky full rewrite.

• How long does it take to integrate our first partner?

  Depends on the type of partner and their requirements. But, generally, most of our white-label fintech platform users integrate their first partner(s) in under a week after configuring the platform.