Launch branded accounts with dedicated IBANs, cards, payments, lending, investing, and a crypto wallet inside your product through one SDK. Your brand on every screen. Our white-label BaaS solution, compliance tooling, and engineering team underneath.
Zaltrik is a white-label banking-as-a-service (BaaS) platform that gives fintechs, banks, loyalty programs and consumer super-apps embedded accounts, cards, lending, investing and a crypto wallet — plus a built-in AI assistant — through a single SDK.
Everything a bank, fintech, or super-app needs to own its customers' financial life — without the build time, the vendor sprawl, or the compliance risk.
One engagement, one delivery team. Accounts, cards, lending, investing, and compliance ship pre-integrated — not stitched together from five vendors.
Customers transact by conversation. The assistant executes transfers, trades, and payments directly, with confirmation before anything settles.
Fintechs, banks, loyalty platforms, and consumer super-apps all run on the same infrastructure — switch on only the pieces your product needs.
Tiered KYC, continuous AML screening, and an audit-ready trail ship from day one — not retrofitted before a review.
Think of it as banking-as-a-service architecture you license, rebrand, and deploy instead of building from scratch.
White label BaaS infrastructure is a pre-built, licensable banking technology stack — accounts, cards, payments, compliance tooling, and customer-facing apps — that a business deploys under its own brand.
Branded mobile and web apps, or an SDK embedded in your existing product.
Accounts, cards, transfers, lending, investing, digital assets.
KYC/KYB, AML screening, transaction monitoring, audit logs.
Card networks, banking partners, payment rails, KYC vendors, your CRM and ERP.
Your own licence (EMI, bank, MSB) or a sponsor bank or licensed partner.
Zaltrik delivers layers one to four as a managed platform and works with whichever regulatory model you operate under.
Embedded finance platforms have moved from experiment to a standard revenue line, and the window to own it in your category is narrowing.
What the market data says:
Largest market: Asia Pacific
Fastest-growing region: Asia Pacific
Market leader: Fiserv led with over 7.9% market share in 2025.
Leading players: Top 5 players in this market include Fiserv, Green Dot, Finastra, Galileo Financial Technologies, and Marqeta, which collectively held a market share of 26.9% in 2025.
The banking-as-a-service market was valued at USD 24.8 billion in 2025 and is projected to reach USD 126.6 billion by 2035, expanding at a 17.8% CAGR from 2026 to 2035, according to Global Market Insights Inc.
The Zaltrik embedded banking platform is that one app where you can hold, move, spend, swap, trade, and borrow, and every balance shows up in a single net-worth view.
Multi-currency balances & IBANs
Virtual & physical, issued instantly
Send, receive, request
Credit inside the balance
Fractional stocks & baskets
Multi-chain, unified with fiat
Conversational execution
KYC, AML & audit trail
One net-worth view
One integration, every capability
Every screen carries your brand
Interchange, spread & subscription
The case for licensing digital banking software rather than building it comes down to time, risk, and revenue per customer.
A pilot in weeks means you validate demand and unit economics before committing to full rollout.
Set your own interchange share, FX spread, subscription tiers, lending fees, and trading fees from the admin layer.
Your team builds the experience that differentiates you. Card processing, KYC flows, and wallet custody arrive ready.
Customers who hold a balance, a card, and a credit line with you churn less and transact more often.
Every screen, notification, card face, and email carries your identity.
Start with accounts and cards, then switch to lending, investing, or crypto as the business case for each is proven.
One SDK, a modular banking stack, and only the modules you switch on.
Whatever you're launching, the infrastructure is already built. You can switch on a full neo-bank or embed a single capability into a product you already run.
Add accounts and cards to a product you already run, without disrupting what's already there.
Go live with a fully branded banking experience: accounts, cards, lending, and investing.
Fiat and crypto unified in one balance, with screening on every transfer.
Branded virtual and physical cards, issued instantly with per-card spend controls.
Fractional stocks and curated baskets, funded and traded in one tap.
A conversational, assistant-first experience layered over every flow.
From a full neobank launch to a single card program, the same stack fits different business models.
Our white-label banking-as-a-service solution fits any business that already owns customer trust and transaction flow but lacks a branded financial product. These are the deployment patterns we see enterprise buyers plan for most often.
Launch a branded neo-bank without building core-banking infrastructure. Reach market in weeks, not years.
Add a digital-first product layer with no disruption to core systems or existing technology contracts.
Convert points into a spendable balance on a branded card, giving loyalty currency real-world utility.
Add accounts, cards, lending, investing, and a crypto wallet for a large user base without building the regulated infrastructure yourself.
Embed a single SDK into your existing web or mobile product. Zaltrik manages the full stack behind it — you decide which pieces to switch on.
Everything a customer expects from a modern bank account — live from day one, under your brand.
USD and EUR balances with dedicated account numbers / IBAN, viewable and fundable natively.
Visa or Mastercard, issued instantly and embossed under your brand, with per-card spend controls.
Fund from a linked bank account or card in seconds; bank transfer supported for larger deposits.
Fiat transfers by recipient, QR, or request — with review-and-confirm before every payment.
Grouped alerts for money movement, card activity, security events, and price moves.
Built-in referral loop — rewards credited automatically once an invitee completes onboarding.
Loans and Buy-Now-Pay-Later run inside the same balance, the same KYC, and the same risk view.
Pre-qualified offers based on account and spend history, disbursed directly into the customer's balance.
Split any card purchase into instalments at checkout, with schedules visible in the app.
A revolving credit line secured by cash, stock, or crypto balances, without liquidating the position.
Instalments collected automatically from the linked account, with reminders ahead of each due date.
Decisioning powered by transaction data already inside the app — no separate bureau integration to build.
Loan and BNPL balances sit alongside accounts and cards in one statement and one net-worth view.
Fractional stock trading and curated, pre-built baskets — fund with USD and own a portfolio in one tap.
Buy and sell equities and ETFs in fractional amounts, funded directly from the app balance.
Pre-built, professionally curated baskets across themes and risk levels — bought with a single USD amount.
Baskets stay aligned to their target weights automatically, with rebalancing visible in the activity feed.
No order tickets or share-count math — customers enter a dollar amount and the app handles execution.
Stocks, baskets, crypto, and cash roll up into a single net-worth number and performance chart.
Spread, subscription, or per-trade fees are configurable per tier, fully visible to the customer.
Compliant digital-asset infrastructure unified with fiat and investing in a single balance view.
Hold, send, and receive across major networks and assets, custodied to institutional standard.
In-app conversion between assets and between crypto and fiat, at a transparent rate.
Address-based deposits and withdrawals with review-and-confirm on every transaction.
Real-time valuation, performance chart, and per-asset holdings inside one portfolio view.
Automated transaction monitoring runs in the background — no manual review step for the user.
Instant internal transfers by username, contact, or QR — settling within the platform immediately.
One SDK sits between your product and the regulated infrastructure underneath it. You decide which capabilities to switch on — Zaltrik runs the rest.
When choosing a white label BaaS software, measure how much of the finished product arrives on day one and how much you still have to buy, build, and stitch together. Most platforms cover accounts and cards well.
| Typical BaaS platforms | Zaltrik by Antier | |
|---|---|---|
| Products | Accounts and cards | Accounts, cards, swap, crypto, trading, lending, BNPL |
| Fiat and crypto | Separate vendors | One unified balance |
| AI | Q&A chatbot | AI that executes transactions |
| Time to pilot | Months | Weeks |
| Revenue | Mostly interchange | Interchange, spreads, interest, fees |
| Custom builds | Vendor queue | Adept fintech professionals |
| Commitment | Contract first | Sandbox and pilot first |
Instead of tapping through menus, customers simply say or type what they want. An AI layer sits over every flow — payments, cards, lending, investing, and crypto — and executes it directly, asking only for confirmation before anything final.
Type or speak naturally — no fixed command list to learn.
The assistant executes transfers, payments, and trades, not just describes them.
Every money-moving action is echoed back for approval before it settles.
Balances, recent activity, and goals stay in view, so nothing needs re-explaining.
KYC/AML compliance is built into the transaction flow, not added after launch.
White label BaaS solutions only work at enterprise scale when compliance controls run inside every transaction, not in a separate back-office queue. Zaltrik builds verification, monitoring, and auditability into account opening, payments, trades, and loan disbursements by default.
Progressive identity verification unlocks higher limits as verification level increases, without blocking initial onboarding.
Screening runs on every transfer, trade, and loan disbursement, not as a periodic back-office review.
Every action logged with full attribution, exportable on demand for any regulator or internal review.
Risk thresholds and controls are tuned to your market, product mix, and risk appetite.
Every enterprise has an existing stack, so banking API integration has to fit around it.
Customized BaaS solutions start from a working platform and adapt the integrations, workflows, and experience layer to your business, rather than starting from a blank repository. That keeps delivery fast while still meeting enterprise architecture standards.
You are choosing a fintech implementation partner for the next five years, not just licensing software.
A white label banking-as-a-service provider should reduce three risks at once: delivery risk, compliance risk, and roadmap risk. Zaltrik combines a ready platform with the engineering depth so you are not stuck when your needs outgrow the standard product.
Businesses that deploy first build an advantage that compounds every month. Three engagement paths are available, calibrated to where your organisation is in its evaluation.
Revenue-model design, white-label scoping, and deployment planning with the Zaltrik team.
Start the conversationFull API access, a sandbox environment, integration docs, and an architecture review.
Request sandbox accessA defined pilot with live compliance and a clear commercial path to scaled rollout.
Scope a pilot