The Problem Issuers Run Into
Card issuers and processors are expected to deliver “bank-grade” digital experiences, but building a cardholder app internally often means:
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long delivery cycles and constant backlog pressure
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fragmented integrations (KYC, notifications, loyalty, fraud tools, support chat, etc.)
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recurring maintenance across iOS/Android releases, security updates, and compliance changes
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inconsistent experiences across different clients and programs
Our Solution
A cardholder app and middleware, delivered as a full lifecycle service
We provide a production-ready white-label app and the integration layer that connects it to your existing issuing and processing stack so you can roll it out across all your programs with a repeatable delivery model.
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What We Provide
White-label cardholder app
A modern, configurable app that you brand and deploy for each program, covering the core journeys cardholders expect:
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onboarding and secure access
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card and account overview
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transaction history and statements
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notifications and in-app communication
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self-service controls and settings
Integration layer
A middleware layer that:
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standardizes API contracts for your clients/programs
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connects to your processor/core/IAM and other systems
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makes it easier for your clients to add third-party services without redesigning the app each time
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supports versioning and controlled change as you expand features
Compliance-ready patterns & security controls
The solution is built with issuer-grade expectations in mind:
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strong authentication flows (configurable to your IAM/SCA approach)
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role-based access and auditability for operational actions
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secure session handling and traffic controls
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logging/monitoring hooks aligned to enterprise operations
Program rollout capability
We don’t deliver “one app once.” We set you up to deploy to multiple programs with:
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repeatable rollout playbooks
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program-specific configuration and branding
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integration templates and release governance
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a scalable process for onboarding new clients quickly
Advantages
✓ Launch without the typical delivery drag
Give customers multi-currency balances with clear transaction history and downloadable statements.
✓ Reduce operational load
You avoid the cost of maintaining:
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mobile releases and store compliance
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evolving security expectations
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long-tail integration complexity per client/program
✓ Stay integration-friendly
The middleware approach gives your clients a cleaner way to plug in additional services (KYC/KYB, rewards, fraud tools, support, analytics) while keeping the core app consistent.
Delivery Options
Connect custody, cards, and your existing fintech tooling
Discovery & architecture mapping
UX/UI and branding system
Go live + iterative expansion
Middleware integration
QA, security review, release governance
