A platform-first core built from composable modules. Snap together accounts, ledgers, cards and payments to start a bank in minutes — then extend what's already in place to ship a fintech in weeks. Developer-first, AI-supercharged.
Pick the modules you want and go live on a licensed-ready core. Accounts, KYC, ledger and cards, wired together and running before your coffee's cold.
Extend what's already in place with your own logic. Webhooks, typed SDKs and programmable rules let you build lending, FX or embedded finance on top — no core rebuild required.
Every module snaps onto the same ledger rail. Hover a stage to see it lift off the board — the whole pipeline is connected, end to end.
One programmable ledger, trusted from first user to first million.
We composed a licensed-ready core over a weekend and shipped cards to 2,000 users the next month. FinSpine is the only reason we're a bank and not a slide deck.
A full core-banking stack as composable primitives — from deposits and lending to Shariah-compliant products. Building on the rails? See the developer platform →
A double-entry core with sub-accounts, holds and instant reconciliation. Every balance is real-time, every event is immutable and audited — the foundation the rest of the stack composes onto.
Open interest-bearing deposit, savings and wallet accounts in one call.
Term loans, BNPL and revolving credit with programmable accrual.
Local rails, cross-border and instant transfers with smart routing.
Shariah-compliant Murabaha, Ijara and profit-share products, built in.
Virtual & physical cards, spend controls and tokenization in one call, ready for Apple Pay and Google Pay from day one.
Identity, screening and audit logs baked into every flow.
Natural-language ops: reconcile, report and detect fraud in seconds.
Typed SDKs, idempotent APIs and a sandbox that mirrors production 1:1. Open an account, issue a card and move money in a handful of lines — the AI copilot handles the reconciliation.
// spin up a customer + account + card const customer = await finspine.customers.create({ name: "Amara Okoye", kyc: "auto", }); const account = await finspine.accounts.open({ customer, currency: "USD", type: "deposit", }); const card = await finspine.cards.issue({ account, form: "virtual", limit: 5000, }); // ✦ copilot auto-reconciles every ledger event
Real-time balances, flow-of-funds and portfolio health in one console. Query it in plain language — the copilot turns questions into audited reports.
Open the live consoleLocal rails on four continents, cross-border settlement and multi-currency ledgers — one integration that follows your customers wherever they grow.
Same core, different ambition.
Launch a full retail bank on one API — accounts, cards, savings, all live in weeks.
Group wallets, flexible lending and offline-first agent flows for emerging markets.
Embed banking into any product with typed SDKs and a copilot that ships with you.
No — FinSpine is infrastructure. We provide the programmable core, ledger and card rails; you operate under your own or a sponsor-bank license, and we plug into it.
Free sandbox, real ledgers, production in a call. No card required.