License your regulated infrastructure via API, and let Terafin's partner ecosystem power the products your customers already expect - virtual accounts, real-time payments, and multi-asset investing across stocks, commodities, and crypto - without adding a single new licence to your balance sheet.
By 2030, more than 40% of the region's working-age population will be Gen Z or Alpha - customers who expect an account in minutes, a card at signup, and investing inside the same app they use to pay rent. Banking-as-a-Service lets you meet that expectation on your own licence, at neobank speed.
73% of under-30 customers say they'd switch banks for a better digital experience, and won't wait more than six minutes to open an account. Patience for legacy onboarding queues is gone.
A neobank opens an account in four minutes, issues a card instantly, and puts stocks, ETFs and crypto in the same app. Traditional banks can offer exactly the same, on their own licence.
A Middle East neobank reached 200K+ customers and $1B+ in assets within two years, profitable from year one. Global neobanks have built the same playbook into 100M+ and 70M+ customers respectively. The model works, repeatedly.
Virtual accounts, multi-currency wallets, real-time payments, and instant card issuance - deployed above your existing core and connected via API, live in as little as 90 days.
Investing activates through a curated ecosystem of licensed partners - a licensed trading member for local market access, a clearing and carrying broker for international equities, a VASP-licensed custodian for digital assets, and portfolio management infrastructure for wealth. Terafin orchestrates all four behind a single customer experience: a customer sees a market dip, converts AED to USD, and buys fractional shares - done at 11pm, inside the same app they use to pay rent. No broker call. No separate account.
If your bank already holds partner relationships across these categories, Terafin integrates them directly into the platform. If not, we connect you to a pre-qualified network of certified brokers, custodians, and wealth managers. Either way, your customer sees one seamless product - never a second app, never a separate brokerage account.
Investment service capabilities activate only via licensed partner execution - your bank's regulatory perimeter stays clean, with each partner's licence covering its own asset-class obligations. Digital asset capabilities route to a licensed VASP or equivalent partner: your bank is the distribution channel, not the licence holder.