One API turns any brand into a bank. We power embedded accounts, cards, and payments for 30+ companies, 500K cards in circulation, never a missed beat at 99.99% uptime.
Every brand that wants to embed accounts and cards faces the same wall: bank partnerships, a card processor, a ledger, compliance, and reconciliation, months of work before a single card ships.
We collapsed that into one API. Partners call us; we own the ledger, the Marqeta integration, the workflows, and the reconciliation, so they own the product.
The PostgreSQL double-entry ledger is the source of truth, every cent is an append-only entry written inside a serializable transaction before any external side effect occurs.
Temporal wraps the messy parts. Funding, settlement, and KYC run as durable workflows: if a node dies mid-settlement, the workflow resumes exactly where it stopped, so we never double-charge and never drop a payment.
| Component | Technology | Why |
|---|---|---|
| Core ledger | PostgreSQL (serializable) | Double-entry integrity with strong consistency for money. |
| Card issuing | Marqeta | JIT funding and rich auth controls without owning a processor. |
| Money workflows | Temporal | Durable, retryable state machines for multi-step settlement. |
| API & services | TypeScript | One typed contract shared across SDKs and internal services. |
| Infra & runtime | AWS (multi-AZ) | Elastic, isolated, audit-ready hosting for regulated workloads. |
Spin up FBO-backed accounts per end user with balances tracked in the core ledger.
Issue virtual cards instantly and physical cards on demand through Marqeta.
Authorize spend in real time against live balances with sub-150ms decisions.
Temporal workflows guarantee multi-step money movement completes exactly once.
Nightly matching against network and bank files surfaces breaks before they compound.
Per-brand rate limits, keys, and ledgers keep 30+ partners fully segregated on one core.
“Banking infrastructure shouldn't be a moonshot, it should be an API call.”
What used to take a fintech a year of bank negotiations and processor integrations is now a single integration against one typed API. The platform runs 500K+ cards across 30+ brands on a double-entry PostgreSQL ledger, Marqeta-powered issuing, and Temporal-orchestrated settlement, all on multi-AZ AWS holding a 99.99% uptime SLA. Money moves exactly once, reconciles itself nightly, and survives any crash mid-flight. The result is embedded finance that partners can trust with real customers and real dollars.