One unified platform to build, launch, and scale
Whether you’re storing, moving, or lending money— Stitch’s unified platform helps you launch faster, simpler, and more cost-effectively.
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Shaping the new age of banking and payments.
Build, launch, and scale modern financial products—across payments, lending, cards, wallets, deposits, and more—all from one unified infrastructure.
Applications
End-to-end onboarding platform for any financial product, transforming leads into customers through automated workflows.
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Omnichannel Origination
Seamless integrations available across any user interface channels with out of the box APIs for all functionalities. Don’t have your own UIs, utilize our standardized interface components to create the user journeys to gather the required data and streamline the onboarding process.
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Workflow Flexibility
Design and customize your own workflows with proprietary engines to fit unique business requirements, enabling automated task assignments, third party actions, notifications, and more. The system is designed to be intuitive yet enable rapid adaptability.
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Intelligent Decisioning
Leverage advanced business rule engines layered on top of all available data to instruct and perform informed decision making, enhancing the accuracy and speed of any onboarding process. Opening up room for creatively designed and segmented product offerings.
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Risks
Comprehensive real-time transaction detection and fraud prevention mechanisms, safeguarding all financial products.
Real-Time Analysis
Monitoring of transactions embedded into the core platform enables truly real time identification and flagging of suspicious activities instantly to prevent fraud, unauthorized access, or controls set in place. This ensures the most accurate levels of security are set in place.
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Advanced Rules
Design and implement specific rules that are applicable to the use case being built. Whether at the account, card, or customer level, flexibility is enabled to ensure accurate flagging of risks for increased visibility and efficiency.
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Case Management
Easily investigate alerts for all transaction types at the customer, account, and product levels through an intuitive web-based interface that streamlines the operational or fraud teams’ workflows. One system to manage the full lifecycle of your operations.
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Deposits
Robust, simplified account administration framework.
Product Variety
Build and launch a wide range of deposit options tailored to the financial product needs. From simple stored value accounts to more complex short-term deposits or fixed deposits, offer customized solutions that align with different product goals, risk designs, and liquidity preferences.
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Unrestricted Currencies
Enable seamless configurations across multiple currency products for customers without the need for any complex setups or manual conversions between currencies. Comprehensive capabilities for clients to hold, transfer, and convert funds with real time or predefined rates.
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Transaction Integrations
Integrate deposit based accounts with payment capabilities across the Stitch platform or with external systems to streamline processes and remove manual interventions. Ensuring accurate and real-time posting of deposits, enhancing operational efficiency and visibility.
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Loans
Islamic, conventional loan lifecycle management.
Account Servicing
Manage all aspects of loan servicing with precision, from repayments to rescheduling. Streamline critical processes such as write-offs, collateral management, and counterparty oversight. Simplify regulatory obligations through built-in compliance and comprehensive reporting capabilities.
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Collection Management
Implement robust collection strategies with deep insights and tracking of borrower activities for timely repayment of loans. Manage delinquencies through data analytics for monitoring behavioral trends in addition to out of the box integrations with powerful tools to automate inbound, outboard communication with borrowers.
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Bilateral, Syndicated Support
Whether managing a simple or a complex syndicate, our platform offers functionalities for effective coordination, disbursement, and repayment tracking across multiple stakeholders. Effortlessly manage multi-party contributions to loan engagements, enabling you to handle more intricate lending scenarios with ease.
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Cards
Prepaid, debit, and credit card management system.
Lifecycle Management
Simply manage every stage of a card’s lifecycle, from issuance to expiration. With exposed APIs and automated processes for activation, transaction tracking, and renewal, you can ensure seamless and secure management of all your cards.
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Complex Features Simplified
Advanced yet intuitive features such as real-time funding and multi-currency support. Designed for complex functionalities to remain flexible yet simple to build on top of without the technical hassle or extensive training.
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ACS Embedded
Included is ACS (Access Control Server) capabilities, enabling all cards issued to support 3DS (3-D Secure) authentication. This built-in security feature provides an additional layer of protection for online transactions, increasing confidence.
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Transactions
Scalable switch, transaction management layer.
Unified Switch
Efficiently handle a continuous influx of new transactions, channels, and technologies with a unified payment processing engine. A single, scalable solution to handling diverse payment methods, ensuring seamless integration and operation across various platforms.
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Payment Integrations
Out of the box integrations with payment networks, schemes, and switches, ensuring a smooth and flexible experience. Whether you are authorizing credit card transactions or acquiring transactions over the national scheme, our system is designed to support them.
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Embedded Connectivity
Scheme, network connection points are embedded into the solution and access is available to all partners. This reduces the operational burden from your team, providing a hassle-free experience ensuring that you remain up-to-date with the latest payment standards.
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Ledgers
A reliable system of record designed to efficiently record and manage balances and transactions at scale. Ensuring accuracy, immutability, and security for all financial records, supporting high-volume transaction processing with comprehensive reporting and audit capabilities.
Service Guarantees
Our ledgers adhere to a set of fundamental principles to ensure robust and reliable financial tracking. A variety of guarantees are built into the platform including dual entry accounting principles ensuring credits always equal debits and immutability ensuring integrity of records.
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Scalable Throughput, Speed
Capable of handling authorizations in real-time, supporting high throughput and low latency. It is designed with resilient concurrency controls to maintain performance and reliability even under heavy load, ensuring seamless transaction processing at all times.
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Abstracted Use Case
Unparalleled flexibility to accommodate a wide range of use cases. Supporting custom currencies, free-form metadata, and flexible account categories, allowing for tailored chart of records that any requirements and enhances financial reporting capabilities.
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Platform Wide Functionalities
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Customer Information
A centralized source of information, that manages and maintains comprehensive customer profiles with flexible hierarchy structures. Facilitating efficient customer relationship management and personalized service delivery.
Access rights
Control and customize user permissions to ensure secure access to desired information. Enabling administrators to assign specific roles and access levels, safeguarding data integrity and enhancing security compliance within the organization.
Audit logging
Track and record all system activities and user actions to ensure accountability and transparency. Audit logging provides a detailed history of transactions and changes, aiding in compliance, troubleshooting, and forensic analysis.
Reference dance
Track and record all system activities and user actions to ensure accountability and transparency. Audit logging provides a detailed history of transactions and changes, aiding in compliance, troubleshooting, and forensic analysis.
Webhook controls
Automate and streamline communication with external applications through webhooks. This functionality allows real-time data exchange and event notifications, ensuring seamless integration and operational efficiency.
Operational reporting
Automate and streamline communication with external applications through webhooks. This functionality allows real-time data exchange and event notifications, ensuring seamless integration and operational efficiency.
Intuitive Back Office UIs
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What is it?
User-friendly and efficient interfaces designed for carrying out operational and administrative tasks. These interfaces simplify complex operations, making it easier for back office staff to manage workflows, process data, and handle customer interactions without extensive training.
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What is it for?
Designed and built to streamline administrative processes, reduce operational errors, and improve productivity. They enable back office teams to work more efficiently by providing clear, accessible tools for managing tasks, monitoring performance, and maintaining data integrity.
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Examples
From automated dashboards that provide real-time insights to customizable task managers that prioritize workloads, back-office UIs enhance operational efficiency. Examples include customer service teams helping with lost cards or complex transaction investigations by fraud teams.
APIs Headless System
Built API First
Our platform is designed with an API-first approach, ensuring seamless integration and flexibility. This allows companies to embed financial products effortlessly, enhancing core offerings and driving new revenue streams. Experience rapid deployment and robust scalability tailored to your business needs.
Richly Documented Guides
We provide comprehensive and meticulously documented guides to support your journey. Our resources simplify access to our financial services, reduce barriers for businesses, and foster innovation. Dive into our extensive documentation to seamlessly integrate financial products into diverse ecosystems with confidence.
Unbounded Scalability
Our solutions are engineered for limitless scalability, transforming how businesses grow and innovate. From integrating cashback programs into retail apps to embedding instant payment solutions in gig economy platforms, we enhance convenience and accessibility. Scale effortlessly and unlock new opportunities in various industries worldwide.
Marketplace Integrations
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The platform behind modern financial products
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Stitch is the financial infrastructure platform trusted by leading companies across MENA and global markets—from Saudi Arabia and the UAE to fast-growing fintech ecosystems around the world. With a single, scalable platform, businesses can build and operate financial products across payments, lending, cards, wallets, and deposits—without the complexity of fragmented systems.
Whether you’re launching a neobank, offering embedded finance, or modernizing your legacy stack, Stitch provides the tools and infrastructure to go live faster and scale with confidence. Our platform is modular, secure, and built for high performance—so you can move quickly, stay compliant, and focus on what matters most: your customers.
From seamless onboarding and KYC to powerful ledgers and transaction monitoring, Stitch brings everything together in one place. And with local integrations across MENA and partnerships with global players like Visa and Mozn, we help you build for your market—and beyond.
With Stitch, you don’t just get infrastructure. You get a partner committed to enabling the next generation of finance—from MENA to the world.
Whether you’re launching a neobank, offering embedded finance, or modernizing your legacy stack, Stitch provides the tools and infrastructure to go live faster and scale with confidence. Our platform is modular, secure, and built for high performance—so you can move quickly, stay compliant, and focus on what matters most: your customers.
From seamless onboarding and KYC to powerful ledgers and transaction monitoring, Stitch brings everything together in one place. And with local integrations across MENA and partnerships with global players like Visa and Mozn, we help you build for your market—and beyond.
With Stitch, you don’t just get infrastructure. You get a partner committed to enabling the next generation of finance—from MENA to the world.
Frequently asked questions
What is the Stitch platform?
Stitch is a unified technology platform that enables institutions to build, launch, and manage financial products—like accounts, cards, loans, and payments—faster and more efficiently.
Who can use the Stitch platform?
Stitch is built for banks, digital banks, lenders, and other regulated financial institutions looking to modernize and scale their offerings. Stitch will soon extend its platform to non-regulated entities as well.
What products can I build using Stitch?
You can create and manage a wide range of products including ledgers, loans, cards, deposits, onboarding workflows, and transaction processing systems—all within a single platform.
Is Stitch modular or all-in-one?
It’s both. Stitch is modular, so you can choose the components you need—or use the full platform for a seamless, end-to-end solution.
How does Stitch ensure compliance and security?
Stitch is designed with built-in compliance tools, audit trails, and secure infrastructure to support regulatory requirements in Saudi Arabia, the UAE, and beyond.
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