Digital Banking Stack

Build a modular digital banking experience

Combine wallet infrastructure, FX, partner rail access, and card issuing orchestration into one operating model delivered through a unified API and multi-tenant dashboard.

Typical Outcomes

A repeatable platform foundation that supports new products and markets without fragmenting operations, reporting and compliance workflows.

Common Challenges This Solves

Digital banking stacks often fragment as they scale across products and markets.

Separate Systems

Separate systems for accounts, cards, payments and FX create operational fragmentation and inconsistent experiences.

Tool Switching

Operational teams switching tools and processes per product reduces efficiency and increases training overhead.

Slow Launches

Slow launches across new providers and new markets due to fragmented infrastructure and processes.

Disconnected Reporting

Reporting and audit trails spread across disconnected platforms make compliance and visibility difficult.

How BearlaPay Enables a Digital Banking Stack

One platform that unifies all banking operations through a consistent model.

Consistent Ledger Model

Operate wallets and money movement through a consistent ledger model. Predictable balance representation and audit trails.

  • Unified ledger
  • Consistent balances
  • Full audit trails

Partner Rail Access

Orchestrate partner rails for IBANs and payment access where required. Access banking functions through one control layer.

  • IBAN issuance
  • Payment rail access
  • Unified control

Card Operations

Standardise card operations through issuing orchestration. One workflow model for all card programmes.

  • Unified workflows
  • Lifecycle management
  • Consistent controls

One Operating Layer

Run onboarding, controls, monitoring and reporting in one operating layer. Consistent experience across all products.

  • Unified onboarding
  • Consistent monitoring
  • Unified reporting

Relevant Modules

The modules that power a complete digital banking stack.

Wallets & IBAN

Multi-currency accounts

Card Issuing

Virtual & physical cards

Treasury & Settlements

Unified reporting

Compliance & Risk

KYC/AML controls

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