Platform
The infrastructure layer for embedded banking
Sophisticated banking technology used to be reserved for the largest institutions. MBS changes that — connecting fintechs, businesses, and community banks to the same advanced capabilities through one orchestration layer, a diversified bank network, and compliance built into every flow.
How the platform works
One connection. The whole stack.
Clients
Fintechs, SaaS platforms, enterprises, and banks connect once to MBS through direct integration or multi-tenant API access.
MBS orchestration layer
Technology, compliance, treasury, onboarding, reporting, and operations — coordinated in a single environment.
Bank network
Direct bank partnerships plus multiple bank networks supporting deposits, payments, cards, and financial products.
End customers
Consumers and businesses transact inside your product — with regulated infrastructure working underneath.
Built for sponsor-bank trust
The bank controls the core and the subledger
In the MBS architecture, users interact exclusively with your app. Your technology instructs the subledger, APIs instruct the bank's core accounts, and the sponsor bank monitors and controls both — the governance model regulators and bank partners expect.
Clean APIs produce clean ledger entries, clean reconciliation, and clean audits. That's why programs on MBS pass examinations with confidence.
Interact only with your app or website
APIs instruct the subledger
System of record feeding settlement
FBO & managed accounts, ACH, wires, FX — monitored and controlled by the bank
01 · Accounts & wallets
Banking products designed for growth
FDIC-insured account programs with the structures regulated products actually need — mapped to your flow of funds before a line of code is written.
From our playbook: Flow of funds mapped before code →- Consumer accounts
- Commercial accounts
- FBO account structures
- Trust accounts
- Digital wallet solutions
- Sub-accounts & virtual account ledgering
- ACH — credits, debits, returns, same-day
- RTP & FedNow real-time payments
- Domestic & international wires
- FX & cross-border payments
- Vendor payouts & consumer disbursements
- Zelle, PayPal, and alternative rails
02 · Payments
Move money with confidence
A rails and payment hub spanning every major domestic rail plus international corridors — with idempotency, exception handling, and reconciliation designed in from the start.
From our playbook: Pilot with purpose — alpha/beta runbooks for payments and RTP →03 · Card programs
Modern card programs, issuing and acquiring
From concept to card-in-hand without operational complexity — custom program design, integrated funding and transaction flows, network-ready and compliance-first within a sponsor-bank-aligned framework.
- Debit & prepaid card issuing
- Commercial cards
- Virtual cards & instant issuance
- Custom branded card programs
- Card acquiring
- Authorization, clearing & dispute flows
- Cash management & concentration
- Liquidity planning for real-time rails
- Prefunding & settlement timing
- Treasury reporting
- Payment optimization
- Global treasury & FX services
04 · Treasury services
Enterprise treasury for programs moving real money
Liquidity, settlement, and cash operations built for fintechs, banks, and enterprises — including the prefunding and timing discipline that RTP and same-day ACH demand.
05 · Compliance platform
Compliance embedded into every process
Compliance isn't a checkbox — it's a capability. A centralized compliance management platform built by former CAEs, CCOs, and CROs to meet sponsor-bank expectations from day one.
From our playbook: API hygiene is your compliance posture in code →- Centralized BSA/AML oversight
- KYC / KYB & identity verification
- Transaction monitoring & sanctions screening
- Fintech-specific risk & flow-of-funds review
- Fraud monitoring
- Governance, audits & regulatory reporting
- Client onboarding
- Customer support
- Program management & KPI/KRI dashboards
- Issue triage, routing & remediation tracking
- Vendor due diligence & third-party oversight
- Regulatory reporting & compliance administration
06 · Managed operations
Beyond technology
Dedicated operators run the program with you — every issue received, logged, routed to the right owner, and tracked through closure, with consolidated reporting that keeps your bank partners confident.
From our playbook: Third-party risk done right →Speed to market
From kickoff to go-live in as little as 4+ weeks
A structured end-to-end onboarding process — not open-ended integration.
Discovery & design
Use case, flow of funds, account structures, and bank matching.
Compliance review
KYC/KYB setup, risk assessment, and sponsor-bank alignment.
Integration & pilot
API integration, sandbox-to-alpha testing with disciplined runbooks.
Go-live
Controlled ramp, real-time monitoring, and managed operations from day one.
What clients launch on MBS
Get started
See the platform mapped to your use case
Tell us what you're building and we'll walk you through the architecture, the bank fit, and the path to go-live.