Payment solutions
for fintechs.
Your brand on the front. Our licence, accounts, and rails behind it. All powered via API.
White-labelled
by default.
Xoala is built to disappear behind your product. Your users see your brand at every step, and the regulated infrastructure stays invisible.
Talk to salesYour name on the card
Physical and virtual cards carrying your name, your design, and your card art, issued to your users under our BIN. Spend controls, limits, freeze and replace, all driven from your product.
Your customers, your accounts
Named accounts and IBANs issued to your customers, presented in your interface with your naming and your statements.
Flows that never leave your product
White-labelled checkout and crypto payment pages — hosted flows styled to your brand, or embedded directly so the user never leaves your product.
The relationship stays yours
Your onboarding, your emails, your support surface — the customer relationship stays yours end to end.
Integrated through your stack, not around it.
Everything behind your product, in one stack.
Five products, one stack. Plug in only what you need — or all of it.
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Accounts
Global accounts
Dedicated IBANs in 28+ currencies. Hold, send and receive on local rails — named accounts per customer, real-time reconciliation, no commingled funds.
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Cards
Multi-currency cards
Virtual and physical cards in 28+ currencies.
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Payments
Acquiring
Cards, wallets and 40+ local methods — one integration.
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Crypto
Crypto services
Stablecoin treasury and regulated on- and off-ramps.
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Treasury
Treasury Yields
Money-market yields on idle multi-currency balances.
Why fintechs build on Xoala.
Build on our permissions
Regulated Electronic Money Institution, licensed across the EEA and UK — you build on our permissions instead of waiting eighteen months for your own.
Your brand stays in front
Users experience a financial product you own rather than a partnership they can see.
One API, one ledger
One API, one ledger across accounts, cards, acquiring, crypto, FX, and payouts — one integration, one reconciliation, one source of truth.
Compliance you can inherit
A compliance framework you can inherit — onboarding, monitoring, and reporting built to a standard your regulator and your enterprise customers will recognise.
From sandbox to scale
Experience supporting platforms at scale, from first sandbox call through production volume.
Launch in weeks, not quarters.
Speed to launch, measured in weeks of integration rather than quarters of licensing — talk to our team about your build.