Building infrastructure from scratch
Core banking, payments, and compliance take years and millions to build in-house.
Launch a modern, scalable neobank on a cloud-native platform. Everything you need — core banking, payments, compliance, loyalty, and AI-powered retention — built to move at startup speed.
The hurdles every new banking venture faces — getting to market fast without building the entire stack yourself.
Core banking, payments, and compliance take years and millions to build in-house.
Every month spent building plumbing is a month not spent winning customers.
KYC/AML, PCI DSS, and reporting requirements before you can take a single deposit.
Matching established banks on features and trust while moving at startup speed.
A modular, cloud-native platform — deploy only what you need, all under your own brand.
A white-label mobile and web banking app your customers use daily — accounts, payments, transfers and cards — cloud-native and under your brand.
Issue and manage virtual and physical cards in-house — instant issuance, spend controls and PCI DSS Level 1 processing, with no card rails to build yourself.
Points, cashback and targeted offers built into the banking app — deepening relationships and growing everyday account and card usage.
Give your business customers merchant acceptance — tap-to-pay, QR and terminal — settling straight back into the accounts they hold with you.
Stand up a full cloud-native bank through our Mambu partnership — the fastest path from idea to live neobank.
Predict churn and trigger retention journeys automatically — surfacing at-risk customers and the next best action to keep them banking with you.
A consumer-grade native experience — biometric login, real-time notifications, card controls, budgeting and P2P — all under your brand, live within days.
Microservices-based core banking — accounts, real-time processing, multi-currency, and automated settlement — API-first and ready to scale with you.
Skip the legacy constraints. Youtap gives neobanks the complete infrastructure stack to compete with established banks on day one.
Mambu-powered
Cloud-nativeIntegration layer
API-firstCustomer-facing
White-labelCard & payments
PCI DSS L1Loyalty engine
AI-poweredKYC/AML automation, risk scoring, reporting and audit trails — PCI DSS L1 and SOC 2, built in from day one.
Open APIs, a developer portal, partner marketplace and webhook management to connect the fintech ecosystem.
Behavioural analytics, churn prediction, personalised offers and ML fraud detection — part of the platform.
Cloud-native microservices with no legacy baggage — REST and GraphQL, built to scale horizontally.
Built to meet the security standards of regulated financial institutions — out of the box.
Digital identity verification and automated screening built into onboarding.
The highest level of payment card data security, certified and maintained.
Independently audited controls for security, availability and confidentiality.
Data encrypted in transit and at rest, with tokenization across all transactions.
Complete, immutable audit logging for compliance and regulatory reporting.
Privacy controls and data governance that meet regulated-institution standards.
Stand up a complete digital bank on a cloud-native core through our Mambu partnership — the fastest path from idea to live neobank.
Full-stack digital banking for consumer neobanks — everyday accounts, cards, payments and loyalty in a native app under your brand.
Banking for SMEs and business customers — multi-user accounts, payments and merchant acceptance, deployed fast.
Embed banking, cards and payments into any product via API — launch financial services without becoming a bank.
Pre-integrated stack means neobanks focus on their product — not on building banking plumbing.
Microservices architecture scales horizontally — built for the transaction volumes of a growing neobank.
KYC/AML, PCI DSS, SOC 2 and audit trails built in — no compliance sprints before you can launch.
Churn prediction and automated retention campaigns are part of the platform — not a feature to build later.
Talk to our team about going from idea to live on the Youtap platform — core banking, payments, compliance and retention, pre-integrated.