Customer Experience

Built by you (or your agency) integrating embedded finance experiences into your customer experience using our APIs.

Prebuilt Components

Simple APIs

Design Kits

Use-case Guides

Deep Foundations

Financial regulation licenses

Visa & Mastercard licenses

Payment scheme memberships

Credit licenses

Central bank direct currency clearing

End-to-End Operations

Financial operations

Card programme management

Card & payment processing

Loyalty programme management

Digital asset management

Settlement & clearing

Collateral management

FinCrime & fraud

AML transaction monitoring

Data feeds to customer’s ERP

A turnkey vertically integrated stack.

Embedded Banking & Wallets
also known as Banking as a Service (BaaS)

A complete set of banking and wallet components that can be assembled to create pretty much any use-case needing banking / wallet functionality that is  seamlessly embedded into your customer experience.

Some examples (what would you innovate?):

  • an own branded rewards point wallet where reward points can be converted into real money and spent online and in-store

  • a games wallet that works inside and outside the meta-verse

  • a neo-bank for students

Our amazing client Wagestream created a fully-functional wage advancing prototype in five days using the Railsr platform embedded banking.

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Hold

balances

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Bank

account

details

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Inter

ledger

transfers

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International

transfers & FX

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Store

digital

assets

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Send

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Receive

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Debit

send

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Open

banking

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Safeguarding

 

Embedded Cards
also known as Cards as a Service (CaaS)

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Program

set-up

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Settlement

& collatoral

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3D Secure

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Card production & fulfilment

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Virtual

cards

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Transaction

processing

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Card

lifecycle management

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Safeguarding

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BIN

sponsorship

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Card controls

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Mobile wallets

Launching cards used to be unbelievably hard. You needed a BIN and banking sponsor, an issuer processor, a card printer and fulfilment supplier, mobile wallet tokenisation, a programme manager and a payment scheme contract. You had to integrate all these suppliers both technically and operationally. Then on top of all this, negotiate and manage commercial agreements with every vendor then finally figure out if you had actually made money. Many contracts also locked you in for five years!!

Welcome to the new super simple turnkey world of a single integration and single commercial agreement for embedding virtual cards or physical cards (debit, pre-paid, credit) into your customer experience and brand. 

 

This means you can focus your time and money on delighting your customers.

 

Just like our customer and now investor SingLife. They created a fully functional prototype SingLife Account & card in just four days.

 

Embedded Credit
also known as Credit as a Service (CaaS)

If your ambition is to offer credit to your customers in your brand and seamlessly integrated into your digital customer journey, then our turnkey credit solutions are for you:

These solutions are turnkey offerings built from a combination of our Embedded Credit, Embedded Cards and Embedded Banking capabilities, then packaged for you to go live in less than 90 days.

Many of our customers use credit as a strategic product extension to generate revenue and deeper engagement from their existing customer base (for example online brokerage).

Some customers, like Paceline, use credit as a way to motivate a healthier lifestyle. 

 

How would you innovate with credit?

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Consumer

credit card

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BNPL (in development

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Credit applications

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Credit underwriting

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Disclosures & compliance

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Decision engine

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Issue & assign credit

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Manage credit

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Balances & statements

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Repayments & adjustments

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Collection & recievables

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Debt funding

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IVR & end user servicing

 
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Set-up rewards programme

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Transactional rewards

Loyalty

tiers

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Promotion management

Reward

notifications

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Insights

2,350

points

Points

balances

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Flexible reward redemption

Reward

events

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Reward history

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Data

feeds

Embedded Rewards
also known as Rewards as a Service (RaaS)

Build brand recognition, improve user engagement and increase loyalty through a unique and meaningful rewards experience. 

Unlock the power of insights with customer dashboards. Control product performance by using data to validate customer attach rates, engagement, and revenue. Deepen end user relationships by understanding the impact of your promotions on customer usage patterns. 

Amplify your brand value with a loyalty solution powered by the Railsr Rewards as a Service platform.