Terafin
Embedded Finance

Engineered for Embedded Finance.

Power partner brands with financial products and services from your own dedicated financial infrastructure - acting as your modern bank entrance into the Middle East digital economy.

Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa
Why Embedded Finance

Grow deposits. Increase payments. Modernise your stack.

Embed your bank's products and payments into partner platforms, enterprise verticals, and fintech ecosystems - creating new deposit and fee income channels while staying fully in control of the customer relationship and regulatory position.

Grow Deposits

Power partner brands to onboard consumer and business accounts with integrated payments and debit cards - expanding your deposit base beyond geographic constraints.

Increase Payments

Scale your payment processing for brand partners and processors on a cloud-native, resilient payment platform with one unified view across all programs.

Modernise Your Stack

For hyper-legacy core banks: a path to core modernisation by lifting accounts, payments, and cards off your legacy core onto a cloud-native ledgering platform.

Platform Features

Powerful infrastructure. Complete control.

Grow Deposits

Power Partner Brands to Onboard Accounts

API-enabled, bank-owned ledger for consumer and business account onboarding through partner brands - fully integrated with payments and debit card issuance.

  • Fully API-enabled account onboarding
  • Bank-owned ledger - you retain the customer relationship
  • Direct partner relationships - no intermediary
  • Integrated payments and debit cards per program
ModelBank-controlled BaaS
APIsFully open, API-enabled
LedgerBank-owned - not outsourced
PartnersDirect relationships maintained by bank
Increase Payments

Scale Payment Processing Across Partner Programs

One platform with domestic transfer, SWIFT, and instant payments - integrated GL ledgering and built-in case management for back-office activity across all embedded finance programs.

  • One platform - domestic transfer, SWIFT, instant payments
  • Integrated GL ledgering across all programs
  • Built-in case management - streamlines back-office
  • Auto-posting across user, program, and bank accounts
RailsDomestic transfer, SWIFT, instant payments, stablecoin
LedgerIntegrated GL - real-time
Case mgmtBuilt-in - no additional tooling
ReconciliationAutomated - real-time
Modernise Your Stack

Core Modernisation via the Innovation Layer

For banks bound to hyper-legacy cores: our orchestration platform lifts accounts, payments, and cards off your legacy core onto a cloud-native ledgering platform - without a big-bang replacement.

  • Lift accounts, payments, cards above legacy core
  • Cloud-native platform - elastic and resilient
  • Granular controls for financial safeguards
  • Real-time visibility at all levels
ApproachAdditive - not replacement
MigrationLift-and-shift by product
RiskZero disruption to live operations
TimelineMonths, not years

Central Bank / Open Finance BaaS Programme Compliance

Central bank Open Finance regulations require banks to maintain full visibility and control over all programme-level ledgers. The platform's bank-owned ledger model ensures that your institution retains regulatory oversight across every embedded finance partnership - a critical requirement that third-party BaaS models cannot satisfy.

Ready to explore what's possible for your institution?

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