Monetise Financial Services with Embedded Finance Platform
A powerful, modular financial software with full source code access that helps enterprise businesses to embed financial services, integrate payments, accounts, and financial tools to unlock new revenue streams and enhance customer experience, all backed by a pre-developed backend and flexible, API-driven architecture.
All the features for a finance product, out of the box
Back-office capabilities
- Flexible KYC/KYB documents collection
- KYC/KYB verification:
- Automated via pre-integrated providers
- Manual
- Sanctions checks
Client features:
- Remote registration via email or phone number
- Secure identification documents uploading
- Two-factor authentication (2FA)
Back-office capabilities:
- Creating an unlimited number of currencies in the system
- Support for any digital assets
- Configuration options for currency or asset type
Client features:
- Accounts in any fiat currency
- Accounts for reward points, bonuses, crypto etc.
- Real-time balance in selected currency from all accounts
Back-office capabilities:
- Payment management: top-ups, withdrawals
- Bank, bill payments (via integration with providers)
- Currency exchange (internal/external)
- Configurable payment links
Client features:
- Account top ups & withdrawals
- In-system transfers
- Bank payments
- Bill payments
- Recurrent and scheduled payments
- Payment requests and QR-code payments
Back-office capabilities:
- Smart card issuance (prepaid, closed-loop cards)
- Branded debit card issuance through integrated providers (e.g., Marqeta)
Client features:
- Card payments (in store and online)
- Secure PIN management
- Card spending control
Backoffice capabilities:
- Management of cash-desk operations for any cashflow
- Cash-in/cash-out operations
- Support for physical and digital cash transactions
- Reconciliation of cash balances
Client features:
- In-person transactions at cashpoints
- Cash-in/out through integrated kiosks
Internal system management
AML officer’s workspace
- AML officer’s workspace
- Monitoring transactions
- Manual AML investigation options
- Account freezing and transaction logging
- CRM for complete client information access
- Interaction history tracking
- In-app chat functionality
- Customer notes
- Detailed tracking of all system activities for clients and administrators
- Granular transaction fee configuration (%, flat, or hybrid)
- Transaction limits configuration (transactions number, period, amount)
- Vendor terms and fee structure management
- Scheduled reconciliation
- Discrepancy detection and resolution tools
- Automated commission calculations
- Rollback/rewind transactions
- Open banking support through SaltEdge integration
- Unified account balance viewing
- Seamless A2A payments and transfers
- POS payments acceptance
- Online payment acceptance (via integration with payment gateways)
- Customizable checkout page
- Dispute resolution management:
- Refunds
- Chargebacks
- Payouts and payment requests
Functionality available via pre-integrated vendors
Backoffice for your team + frontend for your clients
SDK.finance is built with progressive technologies and structured for seamless integration into enterprise environments.
Benefits of Embedded Finance Solution
Increase CLV
McKinsey reports companies implementing embedded finance solutions see 2-5x higher customer lifetime value and 30% lower acquisition costs
New Revenue Streams
Earn transaction fees, lending margins, and subscription revenues.
Increase Customer Retention
Keep users engaged without redirecting them to external platforms.
Competitive Differentiation
Offer financial services tailored to your customer base.
Powerful ledger for accurate accounting
SDK.finance is based on a robust ledger engine ensuring that every transaction is accurately recorded, audited, and reconciled, offering a reliable foundation for financial management, compliance, and business insights.
Real-time transaction recording
Every financial transaction, from deposits to transfers, is logged instantly within the ledger.
Granular transaction details
Each transaction includes detailed metadata, providing visibility into fees, currency conversions, and other transaction specifics.
Atomic operations and reversals
The ledger treats each transaction as an atomic operation, preventing partial updates and enabling seamless reversals for error correction and compliance.
Multi-currency support
Supports accounts and transactions in multiple currencies, allowing payment businesses to operate globally.
Comprehensive reconciliation tools
Automated reconciliation and matching of transactions against bank statements or vendor reports.
Adjustable settlement cycles
Configure settlement frequencies (e.g., daily, weekly) to align with business needs, for an efficient cash flow management.
Why SDK.finance?
Source code license
Gain a competitive edge by obtaining our source code license. Fully customize and tailor your fintech solution to perfection, completely independently from SDK.finance as the vendor.
Accelerated time-to-market
With our pre-built software, you significantly reduce your time-to-market, getting your fintech product up and running faster, ahead of your competition.
High-performance transactional core
Our rock-solid and scalable engine ensures secure and high-performance transaction processing, providing you with the scalability needed to grow your business into an empire.
API-driven architecture
Our platform is built on modern APIs, making it easy to integrate with third-party providers and customize according to your unique requirements.
Ready to get started?
Connect with our experts and learn how our Platform aligns with your product needs.
Transactions per second
Years on the market
APIs
modules
Our pre-integrated partners
SDK.finance Embedded Finance Solution FAQs
Embedded finance refers to the integration of financial services into non-financial platforms, allowing customers to access financial services seamlessly within their daily lives. This concept has revolutionized the way financial services are delivered and consumed, making it easier for businesses to offer financial solutions to their customers. Embedded finance encompasses a range of services, including payments, lending, investments, and insurance, which can be integrated into various industries such as e-commerce, retail, and travel.
Embedded Payments – Digital wallets, in-app payments (e.g., Apple Pay, Uber).
Embedded Lending – Buy Now, Pay Later (BNPL) from Klarna and Affirm.
Embedded Banking – Shopify Balance, Stripe Treasury.
Embedded Insurance – Travel insurance in booking platforms.
Embedded Investing – Micro-investing tools within fintech apps.
Embedded finance works by leveraging technology, such as Application Programming Interfaces (APIs), to integrate financial services into non-financial products or ecosystems. This integration enables businesses to offer financial services to their customers without becoming a regulated financial institution themselves. The process involves partnering with financial institutions or fintech companies that provide the necessary infrastructure and expertise to support the embedded financial services. By doing so, businesses can create a seamless customer experience, increase customer loyalty, and generate new revenue streams.
For details on the technologies used for our e-wallet platform, visit our technology page.
Of course. Check out the code acquisition workflow for details. To buy the e-wallet app source code and get more details about the Platform, contact us.
The SDK.finance e-wallet system is not open source. All the functionality lies in using the 470+ APIs of the SDK.finance backend app.
The embedded finance ecosystem consists of various stakeholders, including financial institutions, fintech companies, and non-financial businesses. Financial institutions provide the underlying infrastructure and expertise to support embedded financial services, while fintech companies offer the technology and platforms to facilitate the integration. Non-financial businesses, on the other hand, integrate financial services into their products or ecosystems, providing customers with a seamless experience. The ecosystem is driven by the growing demand for convenient and accessible financial services, and it is expected to continue evolving as technology advances.