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
Mix & Match Global Products
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.
![](https://static.wixstatic.com/media/87cef4_2171e482b9a44b22956200d724bbc19cf000.jpg/v1/fill/w_147,h_60,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/87cef4_2171e482b9a44b22956200d724bbc19cf000.jpg)
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.
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Some examples (what would you innovate?):
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an own branded rewards point wallet where reward points can be converted into real money and spent online and in-store
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a games wallet that works inside and outside the meta-verse
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a neo-bank for students
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Our amazing client Wagestream created a fully-functional wage advancing prototype in five days using the Railsr platform embedded banking.
![RGB_Railsbank_Icon_White_Hold Balances.png](https://static.wixstatic.com/media/b4ecaf_208cbdfe798a40339fa35cd120e4d1c2~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Hold%20Balances.png)
Hold
balances
![RGB_Railsbank_Icon_White_Automated Know Your Customer.png](https://static.wixstatic.com/media/b4ecaf_9c01d4575bd54d03bd53ff215e6db4c8~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Automated%20Know%20Your%20Customer.png)
Bank
account
details
![RGB_Railsbank_Icon_White_Share.png](https://static.wixstatic.com/media/b4ecaf_bc437436834b4f4c9f33e9ae26cfce98~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Share.png)
Inter
ledger
transfers
![RGB_Railsbank_Icon_White_International transfers.png](https://static.wixstatic.com/media/b4ecaf_634ddc6f3a3d4a37bd4b17484f1815e8~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_International%20transfers.png)
International
transfers & FX
![RGB_Railsbank_Icon_White_Store Digital Assets.png](https://static.wixstatic.com/media/b4ecaf_480c43bf445f48359b4202d167e0064a~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Store%20Digital%20Assets.png)
Store
digital
assets
![RGB_Railsbank_Icon_White_Send and Receive.png](https://static.wixstatic.com/media/b4ecaf_fc755dd094a54f1aa37ae080eaec3a13~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Send%20and%20Receive.png)
Send
![RGB_Railsbank_Icon_White_Send and Receive.png](https://static.wixstatic.com/media/b4ecaf_fc755dd094a54f1aa37ae080eaec3a13~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Send%20and%20Receive.png)
Receive
![RGB_Railsbank_Icon_White_Send and Receive.png](https://static.wixstatic.com/media/b4ecaf_fc755dd094a54f1aa37ae080eaec3a13~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Send%20and%20Receive.png)
Debit
send
![RGB_Railsbank_Icon_White_FX Conversion-.png](https://static.wixstatic.com/media/b4ecaf_b1fbdb090740460eae8c0995b77dd921~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_FX%20Conversion-.png)
Open
banking
![RGB_Railsbank_Icon_White_Banking.png](https://static.wixstatic.com/media/b4ecaf_ca20562e59d94b7bb05177061d670320~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Banking.png)
Safeguarding
![](https://static.wixstatic.com/media/87cef4_3a2dbd0ee3484062a82024440ef79ab4f000.jpg/v1/fill/w_147,h_60,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/87cef4_3a2dbd0ee3484062a82024440ef79ab4f000.jpg)
Embedded Cards
also known as Cards as a Service (CaaS)
![RGB_Railsbank_Icon_White_Guides.png](https://static.wixstatic.com/media/b4ecaf_8bee18ada7634339925189287229bc77~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Guides.png)
Program
set-up
![RGB_Railsbank_Icon_White_Automated Know Your Customer.png](https://static.wixstatic.com/media/b4ecaf_9c01d4575bd54d03bd53ff215e6db4c8~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Automated%20Know%20Your%20Customer.png)
Settlement
& collateral
![RGB_Railsbank_Icon_White_Add-Manage User.png](https://static.wixstatic.com/media/b4ecaf_2d819ebb2036416b901f8e1af51a4d3b~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Add-Manage%20User.png)
3D Secure
![RGB_Railsbank_Icon_White_Cards.png](https://static.wixstatic.com/media/b4ecaf_dfec5e7e0adf4e699ee66a243d9cc66d~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Cards.png)
Card production & fulfilment
![RGB_Railsbank_Icon_White_Instant Virtual Cards.png](https://static.wixstatic.com/media/b4ecaf_188c2ade4a0e4d3a8ef259f6ccd00a14~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Instant%20Virtual%20Cards.png)
Virtual
cards
![RGB_Railsbank_Icon_White_Share.png](https://static.wixstatic.com/media/b4ecaf_bc437436834b4f4c9f33e9ae26cfce98~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Share.png)
Transaction
processing
![RGB_Railsbank_Icon_White_Cards.png](https://static.wixstatic.com/media/b4ecaf_dfec5e7e0adf4e699ee66a243d9cc66d~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Cards.png)
Card
lifecycle management
![RGB_Railsbank_Icon_White_Banking.png](https://static.wixstatic.com/media/b4ecaf_ca20562e59d94b7bb05177061d670320~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Banking.png)
Safeguarding
![RGB_Railsbank_Icon_White_Cards.png](https://static.wixstatic.com/media/b4ecaf_dfec5e7e0adf4e699ee66a243d9cc66d~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Cards.png)
BIN
sponsorship
![RGB_Railsbank_Icon_White_Manage Card.png](https://static.wixstatic.com/media/b4ecaf_0b4d3ce6a277481dafdd93d923a58ced~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_Manage%20Card.png)
Card controls
![RGB_Railsbank_Icon_White_App.png](https://static.wixstatic.com/media/b4ecaf_855a8fa6cdd24d59bb2ba081dc68986c~mv2.png/v1/fill/w_71,h_71,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/RGB_Railsbank_Icon_White_App.png)
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!!
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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.