Embedded Finance

Embedded Finance

Embedded Finance

for Brands.

for Brands.

for Brands.

Engage with customers,

Engage with customers,

Engage with customers,

stay compliant.

stay compliant.

stay compliant.

Built for developers at high-growth brands and apps. We’re the regulated, API-first embedded banking partner that makes it all possible.

Built for developers at high-growth brands and apps. We’re the regulated, API-first embedded banking partner that makes it all possible.

Built for developers at high-growth brands and apps. We’re the regulated, API-first embedded banking partner that makes it all possible.

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Welcome Builders

Offer wallets, payments, cards, and real-money rewards with a single API — and let us handle the boring stuff.

Offer wallets, payments, cards, and real-money rewards with a single API — and let us handle the boring stuff.

Offer wallets, payments, cards, and real-money rewards with a single API — and let us handle the boring stuff.

Money is a highly regulated thing. You break the rules, the regulators can force a shut-down of the program. Not good for your business nor brand. We handle all the compliance for you.

→ Focus on product, not paperwork.

Money is a highly regulated thing. You break the rules, the regulators can force a shut-down of the program. Not good for your business nor brand. We handle all the compliance for you.

→ Focus on product, not paperwork.

Money is a highly regulated thing. You break the rules, the regulators can force a shut-down of the program. Not good for your business nor brand. We handle all the compliance for you.

→ Focus on product, not paperwork.

Turn loyalty into spendable value. Load branded wallets, issue reward cards, enable customers to redeem points instantly not later. 

→ ACH, wires, FX, SEPA, and more.

Turn loyalty into spendable value. Load branded wallets, issue reward cards, enable customers to redeem points instantly not later. 

→ ACH, wires, FX, SEPA, and more.

Turn loyalty into spendable value. Load branded wallets, issue reward cards, enable customers to redeem points instantly not later. 

→ ACH, wires, FX, SEPA, and more.

We know how to launch financial features. We help you build not just the tech, but the strategy — from go-to-market to customer education. Because great features need great adoption.

→ Expert support for financial product rollouts.

We know how to launch financial features. We help you build not just the tech, but the strategy — from go-to-market to customer education. Because great features need great adoption.

→ Expert support for financial product rollouts.

We know how to launch financial features. We help you build not just the tech, but the strategy — from go-to-market to customer education. Because great features need great adoption.

→ Expert support for financial product rollouts.

Modern APIs. Real-time ledger. Instant onboarding. Need wallets, cards, or accounts? Our API helps you launch quickly with full developer control and event-driven architecture.

→ Designed for builders. Scalable from day one.

Modern APIs. Real-time ledger. Instant onboarding. Need wallets, cards, or accounts? Our API helps you launch quickly with full developer control and event-driven architecture.

→ Designed for builders. Scalable from day one.

Modern APIs. Real-time ledger. Instant onboarding. Need wallets, cards, or accounts? Our API helps you launch quickly with full developer control and event-driven architecture.

→ Designed for builders. Scalable from day one.

The Future of Embedded Banking, Today

One API. Multiple Financial Products. Zero Headaches. We cover: Onboarding, Accounts, Cards, Payments, Real Time Ledger

One API. Multiple Financial Products. Zero Headaches. We cover: Onboarding, Accounts, Cards, Payments, Real Time Ledger

See Docs

Our Solutions

Starter

For brands launching finance programs

Sandbox & API Access

Medici compliance infrastructure

up to 10,000+ active users supported

Virtual cards

Real-time ledger & transaction monitoring

Growth

For fast-growing global brands

All that is included in our Core Plan

Buy Now, Pay Later

SEPA, FX & international payments

Priority onboarding & account manager

Custom KYC flows

Branded plastic cards

Enterprise

For large-scale financial deployments

All that is included in our Core and Growth Plans

Multi-brand support architecture

Marketing strategy & product support

Dedicated compliance operations

24/7 support (phone, email, Slack)

Starter

For brands launching finance programs

Sandbox & API Access

Medici compliance infrastructure

up to 10,000+ active users supported

Virtual cards

Real-time ledger & transaction monitoring

Growth

For fast-growing global brands

All that is included in our Core Plan

Buy Now, Pay Later

SEPA, FX & international payments

Priority onboarding & account manager

Custom KYC flows

Branded plastic cards

Enterprise

For large-scale financial deployments

All that is included in our Core and Growth Plans

Multi-brand support architecture

Marketing strategy & product support

Dedicated compliance operations

24/7 support (phone, email, Slack)

Starter

For brands launching finance programs

Sandbox & API Access

Medici compliance infrastructure

up to 10,000+ active users supported

Virtual cards

Real-time ledger & transaction monitoring

Growth

For fast-growing global brands

All that is included in our Core Plan

Buy Now, Pay Later

SEPA, FX & international payments

Priority onboarding & account manager

Custom KYC flows

Branded plastic cards

Enterprise

For large-scale financial deployments

All that is included in our Core and Growth Plans

Multi-brand support architecture

Marketing strategy & product support

Dedicated compliance operations

24/7 support (phone, email, Slack)

Features

Powerful features to enhance your loyalty program

Powerful features to enhance your loyalty program

Powerful features to enhance your loyalty program

Branded Accounts & Wallets

Offer your users accounts that feel like your brand. Load rewards, track balances, and give your customers a wallet that keeps them engaged — and spending.

Virtual & Physical Cards

Issue fully branded debit or credit cards, virtual or plastic. Enable instant issuance, set spend limits, and give customers a reason to keep your brand top-of-wallet.

Real-Time Ledgering

Every transaction. Tracked instantly. Our real-time ledger gives you visibility and control — from balance updates to reward redemptions — with no delay.

Domestic & Cross-Border Payments

Move money with ease — ACH, Wires, FX, SEPA. Built-in logic for reward payouts, instant deposits, or partner disbursements.

Full-Service Compliance

We handle KYC, OFAC, AML, and transaction monitoring — all aligned with regulatory requirements from OCIF. Your users get onboarded fast, and your ops team sleeps better at night.

Marketing & Launch Support

We don’t stop at code. Our team helps you launch and market your financial product with tailored messaging, go-to-market playbooks, and adoption strategies that work.

Industry Insights

Industry leaders on the future of Embedded Banking

Industry leaders on the future of Embedded Banking

Industry leaders on the future of Embedded Banking

McKinsey & Company

“The next wave of financial services won’t come from banks — it’ll come from the brands you already use every day.”

McKinsey & Company

“The next wave of financial services won’t come from banks — it’ll come from the brands you already use every day.”

McKinsey & Company

“The next wave of financial services won’t come from banks — it’ll come from the brands you already use every day.”

Accenture Embedded Finance Report

“Today’s consumers expect financial services to be built into the products and platforms they already use.”

Accenture Embedded Finance Report

“Today’s consumers expect financial services to be built into the products and platforms they already use.”

Accenture Embedded Finance Report

“Today’s consumers expect financial services to be built into the products and platforms they already use.”

Forrester Research

“Modern loyalty programs are shifting toward real-time rewards and spendable currency — not just points.”

Forrester Research

“Modern loyalty programs are shifting toward real-time rewards and spendable currency — not just points.”

Forrester Research

“Modern loyalty programs are shifting toward real-time rewards and spendable currency — not just points.”

“Consumers don’t want a bank — they want financial features where they already are.”
“Consumers don’t want a bank — they want financial features where they already are.”
“Consumers don’t want a bank — they want financial features where they already are.”
— Alex Johnson, Fintech Takes
— Alex Johnson, Fintech Takes
— Alex Johnson, Fintech Takes

Modular Banking-as-a-Service API

From integration to launch, we give your team the infrastructure and support to bring embedded finance to life.

The Banking-as-a-Service API (Baas API) provides seamless integration with our banking platform, allowing brands to access core banking services directly within their own applications. With robust endpoints for account management, transactions, payments, and reporting, Baas API empowers your brand to innovate faster and deliver customized financial solutions. Secure, reliable, and built for scalability, Baas API is the key to unlocking the full potential of our digital banking services.

From integration to launch, we give your team the infrastructure and support to bring embedded finance to life.

The Banking-as-a-Service API (Baas API) provides seamless integration with our banking platform, allowing brands to access core banking services directly within their own applications. With robust endpoints for account management, transactions, payments, and reporting, Baas API empowers your brand to innovate faster and deliver customized financial solutions. Secure, reliable, and built for scalability, Baas API is the key to unlocking the full potential of our digital banking services.

From integration to launch, we give your team the infrastructure and support to bring embedded finance to life.

The Banking-as-a-Service API (Baas API) provides seamless integration with our banking platform, allowing brands to access core banking services directly within their own applications. With robust endpoints for account management, transactions, payments, and reporting, Baas API empowers your brand to innovate faster and deliver customized financial solutions. Secure, reliable, and built for scalability, Baas API is the key to unlocking the full potential of our digital banking services.

Integrate the API

Connect to the Sandbox and start building. Whether you're launching a branded card or wallet, it all begins with one seamless integration.

Launch Wallets, Cards & Compliance in One Stack

We handle onboarding, KYC, OFAC, and AML — while you issue branded wallets and cards your customers will love. Real-time ledgering, fully managed compliance, and payment infrastructure, all under one roof.

Go Live with Launch Support

We help you plan your rollout, craft messaging, and build the right customer journey. You’ll have direct support from compliance and marketing experts.

See docs

About us

Medici Bank is a digitally native, compliance-first financial institution built to support the next generation of brands and apps. Regulated by OCIF and based in Puerto Rico, we combine deep regulatory expertise with modern infrastructure to help companies embed wallets, payments, and financial services directly into their user experience. Whether you're launching a loyalty program or scaling a fintech product, Medici Bank provides the tools and the trust to build it right.

Medici Bank is a digitally native, compliance-first financial institution built to support the next generation of brands and apps. Regulated by OCIF and based in Puerto Rico, we combine deep regulatory expertise with modern infrastructure to help companies embed wallets, payments, and financial services directly into their user experience. Whether you're launching a loyalty program or scaling a fintech product, Medici Bank provides the tools and the trust to build it right.

Medici Bank is a digitally native, compliance-first financial institution built to support the next generation of brands and apps. Regulated by OCIF and based in Puerto Rico, we combine deep regulatory expertise with modern infrastructure to help companies embed wallets, payments, and financial services directly into their user experience. Whether you're launching a loyalty program or scaling a fintech product, Medici Bank provides the tools and the trust to build it right.

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FAQ's

Answers to common questions

Answers to common questions

Answers to common questions

What is Medici Bank?

Medici Bank is a fully licensed deposit-taking financial institution based in the USA. The bank was founded in 2016 and received our bank license in 2017. After being acquired in 2019, Medici Bank relaunched in 2020 and offers business accounts and consumer time deposits (CDs).

Is Medici Bank a regulated Institution?
Who handles compliance?
Are the deposits insured?
What are the bank's hours of operation?
What is Medici Bank?

Medici Bank is a fully licensed deposit-taking financial institution based in the USA. The bank was founded in 2016 and received our bank license in 2017. After being acquired in 2019, Medici Bank relaunched in 2020 and offers business accounts and consumer time deposits (CDs).

Is Medici Bank a regulated Institution?
Who handles compliance?
Are the deposits insured?
What are the bank's hours of operation?

Embedded Finance for Brands.

Embedded Finance for Brands.

Embedded Finance for Brands.

Contact us