Balance value
Turn idle balances into savings-style returns, without disrupting how accounts already operate.
Financial services built around the payment activity you already have
Through collaborations with appropriately licensed financial-services partners, make savings, merchant funding, lending monetization, and consumer financing part of the journeys your users and merchants already trust you with.
SavingsGive idle balances a purpose, for users and enterprises alike
SME LoansWorking capital that grows with your merchants, not around them
Consumer FinanceFinancing that keeps checkout moving, not stalling on price
Why Financial Service
Finance that fits inside payment journeys, not bolted on top of them
Financial Service helps platforms turn payment activity, balances, and user intent into embedded savings, financing, lending referral, and consumer loan experiences.
Merchant funding
Offer working capital to SMEs based on the payment activity you already see, not paperwork they don't have time for.
Lending monetization
Turn loan referrals into new revenue, by recommending partner products your users already need
Checkout financing
Help customers say yes to high-value purchases, with financing that shows up right when price becomes the objection.
Embedded journeys
Add finance through API or H5, without rebuilding the product experience your users already know.
Finance capabilities
Core ways to add savings, funding, and financing
Use embedded finance capabilities around balances, merchant cash flow, lending demand, and high-ticket consumer purchases.
Banking Savings
Add value to balances held by users or enterprises
Connect balances to savings or yield-style products while preserving flexible deposit and withdrawal behavior.
- Flexible deposit and withdrawal
- Yield-style balance management
- Wallet and enterprise use cases
Digital walletsEnterprise idle fundsUser yield accounts
Instant Business Loan
Offer working capital to active merchants
Support SMEs from application to repayment, with credit decisions built on real business signals and disbursement that doesn't make them wait.
- Online loan application
- Business-signal crediting
- Fast disbursement and repayment fit
Merchant cash advanceInventory fundingSeasonal cashflow
Lending Monetization
Turn financing demand into partner revenue
Recommend partner loan products and earn from every qualified application, funded loan, or revenue-sharing arrangement.
- Embedded referral journey
- Application or funded-loan monetization
- API or H5 user flows
Loan referral revenueMarketplace offersTraffic monetization
Consumer Loan
Finance high-ticket purchases at checkout
Let customers apply for financing on the spot during large purchases, with funds reaching the merchant as soon as approval clears.
- Large-ticket purchase financing
- Real-time approval direction
- Installment repayment support
PhonesMotorcyclesHigh-ticket retail
Ready to add embedded finance?
Turn your existing payment activity into a new source of revenue
Talk with our team about savings, merchant funding, lending monetization, and consumer financing and how they fit the business you've already built.