Netbank offers a BSP‑licensed Banking‑as‑a‑Service platform that delivers core banking functions—account provisioning, payments, card issuance, and loan origination—through RESTful APIs and white‑label UI components. The solution lets Philippine fintechs, e‑commerce marketplaces, BNPL providers, and corporate treasury teams embed regulated banking services with built‑in AML/KYC, real‑time settlement to domestic rails, and scalable cloud infrastructure.
Funding
Funding not disclosed
Founders
Product
Problem
Fintech companies and enterprises operating in the Philippines often lack direct access to a fully regulated core banking infrastructure, forcing them to build costly, time‑consuming back‑office systems or rely on legacy banking relationships that limit product flexibility and speed to market.
Solution
Netbank delivers a Banking‑as‑a‑Service (BaaS) platform that exposes core banking capabilities—such as account provisioning, payments, card issuance, and loan origination—through a suite of RESTful APIs and white‑label digital tools. The platform is licensed by the Bangko Sentral ng Pilipinas, ensuring compliance with local AML/KYC and reporting requirements while providing direct connectivity to domestic payment rails (Instapay, QRPH, OTC). Fintechs and corporates can embed these services into their own applications, enabling real‑time fund transfers, automated reconciliation, and on‑demand credit products without managing a traditional banking operation. A modular “lego‑block” architecture lets partners assemble only the services they need, accelerating go‑to‑market timelines and reducing integration risk. All transaction data are encrypted in transit and at rest, and the system offers audit‑ready logs for regulatory oversight. The solution is delivered as a fully hosted, scalable cloud service with SLA‑backed uptime guarantees.
Features
- Comprehensive API suite covering Account‑as‑a‑Service, Collect‑as‑a‑Service, Disburse‑as‑a‑Service, and Lend‑as‑a‑Service modules
- White‑label UI components and SDKs for rapid embedding into mobile apps, web portals, and POS terminals
- Real‑time settlement via Instapay and QRPH with no transaction‑size caps, supporting both domestic and cross‑border flows
- Integrated AML/KYC engine and FIPS‑compliant encryption to meet BSP regulatory standards
- Automated reconciliation and reporting dashboards with webhook notifications for event‑driven workflows
- Card‑issuing capability with tokenized virtual cards and support for EMV‑co‑branded physical cards
- Scalable cloud infrastructure with multi‑region redundancy and 99.9% uptime SLA
- Plug‑and‑play compliance adapters for payroll, e‑commerce, BNPL, and micro‑finance use cases