For NeoBanks & FinTechs
Build fast.
Stay fast.
MobiFin gives FinTechs and NeoBanks the infrastructure to launch financial products fast, keep launching them as you scale, and never let compliance or operational debt catch up with you.
Trusted by FinTechs and digital institutions across 25+ markets
- Juniper Gold — Best Digital Wallet 2025
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The reality FinTechs face
Speed is your advantage. Don't let it become your liability.
Early on, moving fast works. Features ship directly into product code. Risk logic, limits, pricing, and routing get hardwired into services. It feels like velocity.
Then the portfolio grows. Every new product inherits the same approach. Controls get duplicated. Compliance logic fragments across features. Each new launch increases regression risk across everything that came before.
The bottleneck isn’t integration anymore.
It’s that every new product is rebuilt from scratch.
01
Financial logic hard-coded into product code
Risk, limits, and compliance live inside individual services. Changing one thing touches everything, and regression testing becomes a bottleneck on its own.
02
Controls duplicated across every feature
Each product variant gets its own copy of the same rules. The more you build, the more places the same logic needs updating when anything changes.
03
Product velocity collapses as scale grows
What took weeks at launch starts taking months. Not because the team got slower, but because the codebase got heavier with every product shipped before this one.
04
Compliance debt accumulates silently
Audit trails fragment. Governance logic lives in different places for different products. Regulatory expansion into new markets surfaces all of it at once.
Where you are in the journey
Every FinTech is at a different stage. The platform scales to all of them.
Whether you’re launching your first product or managing a growing portfolio across markets, the challenge is the same: maintain speed without accumulating the kind of technical, compliance, or operational debt that eventually kills it.
Stage 01
Launching your first product
You need to get to market fast, a wallet, a payment flow, a lending product, without building every piece of financial infrastructure from scratch. Tapestry gives you pre-built financial product templates, atomic fintech primitives, and a governed sandbox. Compose and launch in days, not months, on top of whatever infrastructure you already have.
Days to first product
Stage 02
Scaling a product portfolio
You have one product live. Now you're building the next, and the next. Each one has its own risk logic, its own compliance controls, its own onboarding flow. Tapestry externalises that behaviour into reusable, governed building blocks. New products become configuration, not redevelopment. Your portfolio grows without your codebase becoming the constraint.
Reuse, don't rebuild
Stage 03
Embedding finance into a platform
You're not just building a fintech product, you're embedding financial services into a partner journey, a merchant platform, or a digital ecosystem. MobiFin's Digital Wallet and Engage give you the production-ready financial infrastructure underneath. Tapestry handles the product layer on top, composing the exact financial behaviour each partner or use case needs, without rebuilding the core.
Embedded, not bolted on
Stage 04
Expanding into regulated markets
New market, new regulatory profile. KYC tiers, transaction limits, reporting formats, audit requirements, all different. MobiFin's platform ships with 20+ pre-configured market regulatory profiles. Compliance is built into the platform layer, not retrofitted per deployment. You expand without starting the compliance build from scratch every time.
Compliant by design, everywhere
MobiFin Classic
Purpose-built Financial Solutions, API-first, independently deployable.
The financial infrastructure FinTechs and NeoBanks actually need, without the products built for someone else’s problems. Deploy one or combine them. Compliant across 20+ markets from day one.
Digital Wallet
The financial rails for FinTechs that need to hold, move, and route money across users, products, and partners, without building new account types or fragmenting ledgers every time.
- Wallet-in-a-Box, production-ready wallet in weeks
- Hybrid fiat-crypto wallet, buy, sell, inbound crypto remittances, stablecoins, governance controls
- Multi-tenant ledger with balance protection rules
- Programmable wallet orchestration and routing
- AI-powered onboarding and KYC
- Consumer, merchant, and enterprise wallet types
- Hybrid crypto wallet capabilities
MobiFin Engage
FinTechs that retain customers do it through relevance, not just product. Engage gives you a dedicated layer to orchestrate every customer interaction, personalise it in real time, and act on behaviour signals across every channel, without touching backend systems.
- Cross-channel journey orchestration, app, web, USSD, WhatsApp
- Real-time behavioural signals and engagement triggers
- Hyper-personalised offers, nudges, and campaign management
- Drop-off detection and friction intervention
- Segment-level and individual engagement controls
SuperApp Framework
For NeoBanks that want to become the primary platform in their customers’ financial lives, not just one app among many. Embed financial services alongside lifestyle, commerce, and partner offerings in a single unified experience. Your users stay. Your ecosystem grows.
- MiniApp architecture, modular financial and lifestyle services
- Partner API marketplace, third-party integrations without core changes
- Micro-frontend framework for consistent UX across services
- In-app loyalty, rewards, and gamification engine
- Single identity and payment interface across the ecosystem
Digital Lending
For FinTechs building embedded lending, BNPL, or contextual credit products, end-to-end loan lifecycle management without standing up a full lending stack from scratch.
- Consumer, SME, and embedded loan products
- Workflow-driven underwriting and decisioning
- eKYC and digital onboarding
- Disbursement, servicing, and repayment management
Core Banking
For NeoBanks building a full-stack digital bank from the ground up, accounts, ledger, product factory, and compliance in one system, without inheriting the constraints of legacy core architecture.
- Retail accounts, deposits, savings, current
- Product factory for rapid product configuration
- Payments and transaction processing
- Compliance and regulatory reporting framework
Digital Banking
The channel layer for NeoBanks operating as, or building toward, a licensed digital institution.
- Digital onboarding with eKYC
- Mobile and internet banking
- USSD and WhatsApp banking
- Account servicing and transaction history
- Core integration via standard APIs
MobiFin Tapestry
Compose new financial products in days, without the deployment cycle.
The bottleneck for most FinTechs isn’t moving fast, it’s that every product is rebuilt from scratch. Logic gets hardwired into code. Compliance duplicates across features. Each new launch increases the risk of everything that came before it.
Tapestry is MobiFin’s composable product assembly platform, powered by AI, purpose-built for FinTechs that want to keep launching new products without accumulating the technical and compliance debt that eventually kills velocity. Compose on top of MobiFin, or on top of whatever infrastructure you already have. Launch fit-for-purpose products in days, not months.
Sample use cases for FinTechs / NeoBanks
USE CASES
Digital Onboarding & eKYC Automation
Configurable Fee & Pricing Engine
Instant Disbursement & Payout
Rewards, Cashback & Usage-Based Access
Merchant Payment Aggregation (Card, Non-Card, QR)
01
Describe
Define the product in plain language. Tapestry’s AI suggests relevant building blocks and workflow templates to start the design.
02
Compose
Assemble governed workflows. Configure financial behaviours, rules, integrations, and decision points in a structured orchestration layer.
03
Publish
Test and deploy at runtime. Expose the workflow as a secure, reusable API — auditable, governed, and ready for production.
- Runtime Assembly
- Testing & Sandbox
- Embedded Governance
- Monitoring
Why MobiFin
Designed for velocity. Governed for scale.
✓
API-first, developer-ready
Everything exposed as a governed, stable API. Channels and partners consume product behaviour, not internal logic.
API-FIRST
✓
Cloud-native, cloud-neutral
Deploy on AWS, Azure, GCP, on-premises, or hybrid. No infrastructure lock-in, Tapestry works on top of whatever you already have.
CLOUD-NEUTRAL
✓
Governance embedded, not retrofitted
Compliance logic, audit trails, and policy controls are built into the product layer, not bolted on after launch as you scale.
GOVERNANCE
✓
20+ market regulatory profiles
KYC tiers, transaction limits, reporting formats, and audit trails, pre-configured for every market. Expansion without starting compliance from scratch.
COMPLIANCE
✓
True microservices architecture
Deploy only what you need. Scale only what grows. No monolith, no forced bundling, the platform adapts to your product, not the other way around.
MICROSERVICES
✓
Enterprise-grade security
PCI-SSF certified. ECC-256 encryption. MFA and biometric authentication. The security posture enterprise partners and regulators expect.
SECURITY
✓
1,500+ TPS throughput
Built to handle peak transaction volumes at scale, without performance degradation when your user base grows faster than expected.
THROUGHPUT
✓
99.9% uptime SLA
Production-grade reliability backed by a contractual SLA. The uptime commitment that enterprise and regulated deployments require.
SLA
FAQ's
Common Questions, Answered.
No. Tapestry works on top of whatever infrastructure you already have, your existing core, payment rails, or third-party systems. You can start composing and launching new financial products without deploying MobiFin Classic first. Classic and Tapestry are independent paths, not a sequence.
Tapestry use cases, a configurable wallet, a contextual credit product, an onboarding flow, can be assembled, tested in the sandbox, and published as a governed API in days. The pre-built fintech product templates and atomic primitives eliminate the build-from-scratch time. Classic deployments like Digital Wallet run 6–12 weeks from scoping to go-live. AI accelerates assembly and configuration throughout.
Tapestry provides the governance infrastructure and controls to support your compliance obligations, KYC configuration, transaction limits, audit trails, and policy guardrails are built in. But regulatory licensing and compliance responsibility remain with your organisation. Tapestry makes it significantly easier to meet those obligations, it doesn't absorb them.
Classic delivers complete, production-ready financial infrastructure, Digital Wallet and Engage are full systems, independently deployable. Tapestry is a composable product assembly layer, your product team uses it to build and iterate on new financial products on top of existing infrastructure, whether that's MobiFin Classic or your own systems. Many FinTechs start with Tapestry and add Classic products as their scale demands dedicated infrastructure underneath.
Yes. Everything in MobiFin is exposed as a governed, stable API, channels and partners consume product behaviour without touching internal logic. Tapestry specifically supports partner-aware configurations, so different partners or use cases get different product behaviour composed from the same governed foundation. No bespoke integration project per partner.
Yes, and this is the most common deployment pattern for FinTechs. Tapestry is explicitly designed to compose on top of your existing infrastructure, your ledger, your payment rails, your identity layer, without requiring you to rip and replace anything. MobiFin Classic products like Digital Wallet also connect via standard APIs, so they operate as additive infrastructure, not a replacement mandate.
Multi-tenancy is a first-class design principle across MobiFin. Digital Wallet supports multi-tenant ledgers with isolated balances, rules, and access controls per tenant. Tapestry allows partner-specific product behaviour to be configured from shared governed building blocks, so each partner or segment gets a differentiated experience without duplicating the underlying logic or fragmenting governance.
Tapestry's sandbox gives you a full runtime environment to assemble, configure, and test financial product behaviour before going live, including workflow logic, limit rules, edge cases, and failure handling. It's not a demo environment, it mirrors production behaviour so what you test is what you ship. You can validate product logic, run scenario testing, and get sign-off on behaviour before a single line touches live infrastructure.
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