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Overview
The core your financial products run on
Store, move, and lend money on one modular core you adopt one piece at a time.
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One architecture, layered by design
Assemble any financial product from the same set of building blocks, and add new ones without re-integrating.
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Applications
End-to-end onboarding platform for any financial product, transforming leads into customers through automated workflows.
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Omnichannel Origination
Seamless integrations available across any user interface channels with out of the box APIs for all functionalities. Don’t have your own UIs, utilize our standardized interface components to create the user journeys to gather the required data and streamline the onboarding process.
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Workflow Flexibility
Design and customize your own workflows with proprietary engines to fit unique business requirements, enabling automated task assignments, third party actions, notifications, and more. The system is designed to be intuitive yet enable rapid adaptability.
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Intelligent Decisioning
Leverage advanced business rule engines layered on top of all available data to instruct and perform informed decision making, enhancing the accuracy and speed of any onboarding process. Opening up room for creatively designed and segmented product offerings.
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Risks
Comprehensive real-time transaction detection and fraud prevention mechanisms, safeguarding all financial products.
Real-Time Analysis
Monitoring of transactions embedded into the core platform enables truly real time identification and flagging of suspicious activities instantly to prevent fraud, unauthorized access, or controls set in place. This ensures the most accurate levels of security are set in place.
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Advanced Rules
Design and implement specific rules that are applicable to the use case being built. Whether at the account, card, or customer level, flexibility is enabled to ensure accurate flagging of risks for increased visibility and efficiency.
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Case Management
Easily investigate alerts for all transaction types at the customer, account, and product levels through an intuitive web-based interface that streamlines the operational or fraud teams’ workflows. One system to manage the full lifecycle of your operations.
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Deposits
Robust, simplified account administration framework.
Product Variety
Build and launch a wide range of deposit options tailored to the financial product needs. From simple stored value accounts to more complex short-term deposits or fixed deposits, offer customized solutions that align with different product goals, risk designs, and liquidity preferences.
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Unrestricted Currencies
Enable seamless configurations across multiple currency products for customers without the need for any complex setups or manual conversions between currencies. Comprehensive capabilities for clients to hold, transfer, and convert funds with real time or predefined rates.
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Transaction Integrations
Integrate deposit based accounts with payment capabilities across the Stitch platform or with external systems to streamline processes and remove manual interventions. Ensuring accurate and real-time posting of deposits, enhancing operational efficiency and visibility.
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Loans
Islamic, conventional loan lifecycle management.
Account Servicing
Manage all aspects of loan servicing with precision, from repayments to rescheduling. Streamline critical processes such as write-offs, collateral management, and counterparty oversight. Simplify regulatory obligations through built-in compliance and comprehensive reporting capabilities.
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Collection Management
Implement robust collection strategies with deep insights and tracking of borrower activities for timely repayment of loans. Manage delinquencies through data analytics for monitoring behavioral trends in addition to out of the box integrations with powerful tools to automate inbound, outboard communication with borrowers.
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Bilateral, Syndicated Support
Whether managing a simple or a complex syndicate, our platform offers functionalities for effective coordination, disbursement, and repayment tracking across multiple stakeholders. Effortlessly manage multi-party contributions to loan engagements, enabling you to handle more intricate lending scenarios with ease.
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Cards
Prepaid, debit, and credit card management system.
Lifecycle Management
Simply manage every stage of a card’s lifecycle, from issuance to expiration. With exposed APIs and automated processes for activation, transaction tracking, and renewal, you can ensure seamless and secure management of all your cards.
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Complex Features Simplified
Advanced yet intuitive features such as real-time funding and multi-currency support. Designed for complex functionalities to remain flexible yet simple to build on top of without the technical hassle or extensive training.
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ACS Embedded
Included is ACS (Access Control Server) capabilities, enabling all cards issued to support 3DS (3-D Secure) authentication. This built-in security feature provides an additional layer of protection for online transactions, increasing confidence.
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Transactions
Scalable switch, transaction management layer.
Unified Switch
Efficiently handle a continuous influx of new transactions, channels, and technologies with a unified payment processing engine. A single, scalable solution to handling diverse payment methods, ensuring seamless integration and operation across various platforms.
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Payment Integrations
Out of the box integrations with payment networks, schemes, and switches, ensuring a smooth and flexible experience. Whether you are authorizing credit card transactions or acquiring transactions over the national scheme, our system is designed to support them.
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Embedded Connectivity
Scheme, network connection points are embedded into the solution and access is available to all partners. This reduces the operational burden from your team, providing a hassle-free experience ensuring that you remain up-to-date with the latest payment standards.
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Ledgers
A reliable system of record designed to efficiently record and manage balances and transactions at scale. Ensuring accuracy, immutability, and security for all financial records, supporting high-volume transaction processing with comprehensive reporting and audit capabilities.
Service Guarantees
Our ledgers adhere to a set of fundamental principles to ensure robust and reliable financial tracking. A variety of guarantees are built into the platform including dual entry accounting principles ensuring credits always equal debits and immutability ensuring integrity of records.
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Scalable Throughput, Speed
Capable of handling authorizations in real-time, supporting high throughput and low latency. It is designed with resilient concurrency controls to maintain performance and reliability even under heavy load, ensuring seamless transaction processing at all times.
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Abstracted Use Case
Unparalleled flexibility to accommodate a wide range of use cases. Supporting custom currencies, free-form metadata, and flexible account categories, allowing for tailored chart of records that any requirements and enhances financial reporting capabilities.
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Platform-wide functionalities
Customer Details
Mr. Elon Musk
ID: 1981008456210972672
Full Name
Elon Musk
Email
elonmusk@gmail.com
Phone number
+966 50 311 2112
Date of birth
Oct 5, 1995
Gender
Male
Marital status
Single
Nationality
Saudi Arabia
Income
Basic Salary — $50,000.00
Bank name
HDFC bank
Bank account number
2345973463634
Current loan details
Jumlah pinjaman
USD
80000
.
00
Term
36
months
Pricing
3
.
91
%
Tetap
Disbursment time
{{current date}}
Total due
USD
2482
.
89
Total paid
USD
34760
.
00
Total outstanding
USD
54623
.
00
Customer Information
A centralized source of information, that manages and maintains comprehensive customer profiles with flexible hierarchy structures. Facilitating efficient customer relationship management and personalized service delivery.
Audit logging
Track and record all system activities and user actions to ensure accountability and transparency. Audit logging provides a detailed history of transactions and changes, aiding in compliance, troubleshooting, and forensic analysis.
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Webhook controls
Automate and streamline communication with external applications through webhooks. This functionality allows real-time data exchange and event notifications, ensuring seamless integration and operational efficiency.
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Access rights
Control and customize user permissions to ensure secure access to desired information. Enabling administrators to assign specific roles and access levels, safeguarding data integrity and enhancing security compliance within the organization.
Reference data
Unify product references across cards, loans, deposits, and ledgers in a single platform. Remove fragmented mappings and manual reconciliation, enabling consistent data flows, simplified operations, and seamless product interoperability.
Operational reporting
Generate detailed operational reports to gain insights into business performance and operational efficiency. This functionality provides customizable reporting tools that enable data-driven decision-making and strategic planning.
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A Unified Platform for Modern Financial Services
Stitch's unified platform acts as a BFSI software which enables banks, fintechs, and financial institutions to build, launch, and scale modern financial products including loans, cards, deposits, wallets, and payments, faster and more efficiently.
Designed to replace fragmented legacy systems, Stitch offers a modular and secure architecture that supports high-performance operations, real-time transaction processing, and seamless integrations with global partners like Visa. With comprehensive tools for onboarding, KYC, ledger management, transaction monitoring, and compliance, Stitch empowers institutions to move quickly, stay compliant, and focus on delivering exceptional customer experiences.
Whether you're launching a neobank or modernizing your existing stack, Stitch provides the infrastructure and flexibility needed to succeed in today's dynamic financial landscape.
Designed to replace fragmented legacy systems, Stitch offers a modular and secure architecture that supports high-performance operations, real-time transaction processing, and seamless integrations with global partners like Visa. With comprehensive tools for onboarding, KYC, ledger management, transaction monitoring, and compliance, Stitch empowers institutions to move quickly, stay compliant, and focus on delivering exceptional customer experiences.
Whether you're launching a neobank or modernizing your existing stack, Stitch provides the infrastructure and flexibility needed to succeed in today's dynamic financial landscape.
Frequently asked questions
What is the Stitch platform?
Stitch is a unified technology platform that enables institutions to build, launch, and manage financial products—like accounts, cards, loans, and payments—faster and more efficiently.
Who can use the Stitch platform?
Stitch is built for banks, digital banks, lenders, and other regulated financial institutions looking to modernize and scale their offerings. Stitch will soon extend its platform to non-regulated entities as well.
What products can I build using Stitch?
You can create and manage a wide range of products including ledgers, loans, cards, deposits, onboarding workflows, and transaction processing systems—all within a single platform.
Is Stitch modular or all-in-one?
It’s both. Stitch is modular, so you can choose the components you need—or use the full platform for a seamless, end-to-end solution.
How does Stitch ensure compliance and security?
Stitch is designed with built-in compliance tools, audit trails, and secure infrastructure to support regulatory requirements in your market.
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