Technology Stack

Empowering financial innovation

Explore how our platform supports financial institutions with modular infrastructure while democratizing financial services through embedded finance, enabling businesses to innovate and comply with regulatory standards seamlessly

Stitch Platform

Explore how our platform supports financial institutions with modular infrastructure.

Ancillary

Applications

End-to-end onboarding platform for any financial product, transforming leads into customers through automated workflows.

Risks

Comprehensive real-time transaction detection and fraud prevention mechanisms, safeguarding all financial products.

Core

Deposits

Robust, simplified account management platform.

Loans

Islamic, conventional loan lifecycle management.

Cards

Prepaid, debit, and credit card management system.

Transactions

Scalable switch, transaction management layer.

Deposits

Robust, simplified account management platform.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Foundation

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.

Platform Wide Functionalities

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.

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.

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.

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.

Reference Data

Centralize and manage critical reference data to ensure consistency and accuracy across all modules. This feature supports free form data definitions, reducing discrepancies with external systems and improving data quality.

Operational Reporting

Generate detailed operational reports to gain insights into business performance and operational efficiency. This functionality provides customizable reporting tools that enable data-driven decision-making and strategic planning.

Marketplace Integrations

Intuitive Back Office UIs

APIs Headless System

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.

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.

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.

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.