The startup provides a buy now, pay later (BNPL) module that enables banks, payment institutions, and retailers to implement end-to-end digital financing solutions with minimal operational effort. This service allows credit card providers to quickly offer modern payment and financing options to consumers, enhancing their technological capabilities and reducing time to market.
Funding
$7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Banks, payment institutions, and retailers face challenges in offering modern "buy now, pay later" (BNPL) and embedded lending solutions due to the complexities of integrating with existing core banking systems, managing risk, and ensuring regulatory compliance. Developing and maintaining these solutions in-house requires significant IT resources, operational overhead, and specialized expertise.
Solution
Credi2 provides a white-label embedded lending platform that enables banks, card issuers, and retailers to rapidly deploy and scale end-to-end digital financing solutions, including installment loans, split payments, and revolving credit lines. The platform offers a modular architecture, automated operations, and pre-built integrations with core banking systems, payment gateways, and KYC/AML providers. This allows financial institutions to offer branded BNPL products across e-commerce, point-of-sale, and in-app channels with reduced time to market and minimal IT and operational overhead. The platform supports a range of financing products, including pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing, all managed through a unified interface.
Target Audience
The primary target audience includes banks, credit card issuers, payment service providers, and retailers seeking to offer branded BNPL and embedded lending solutions to their customers without the complexity and cost of in-house development.
Features
- White-label BNPL platform for banks, card issuers, and retailers
- Modular architecture with pre-built integrations for core banking, KYC/AML, and payment processing
- Support for multiple financing products: pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing
- Omni-channel capabilities: e-commerce, point-of-sale, and in-app integrations
- Automated KYC and onboarding processes
- Risk scoring and fraud prevention mechanisms
- Customer and merchant portals for transaction management and reporting
- ISO 27001 and ISO 27701 certifications for data security and privacy
- API-driven architecture for seamless integration with existing systems