Accounts · Card issuing · Payment rails · Settlement
Accounts, cards, payment rails and stablecoin settlement behind one API. Your brand in front. Our infrastructure and compliance behind it.
{
"holder_id": "usr_8f2c41",
"type": "virtual",
"currency": "USD",
"limit": 250000,
"controls": { "mcc_allow": ["5734"] }
}
What you can build
Every financial product is some combination of holding money, moving it, spending it and settling it. Each block is a set of endpoints on the same ledger, so a balance, a card and a payout never disagree.
Named multi-currency accounts for your clients, with balances that stay in the currency they were earned in.
Domestic rails in each market instead of everything through SWIFT. One call, the right rail chosen for the corridor.
Virtual cards in seconds, physical on request, with limits and merchant rules set before the card exists.
Where a corridor is slow or closed, settle on-chain in regulated stablecoin and let the recipient take fiat at the other end.
How it is layered
You own the top layer. We run the middle. Licensed institutions hold the bottom. The line between them is written down before anyone signs.
Your brand, your interface, your customer relationship, your pricing.
Ledger, API, card issuing, payout routing, settlement, monitoring.
Regulated institutions that hold funds, issue cards and carry the licences.
Where the line sits
| Responsibility | Owner | Notes |
|---|---|---|
| Customer relationship, pricing, support | You | You set what your clients pay. Your margin sits on top of our base rate. |
| Product, brand, user interface | You | Your name on the card, the app and the statement. |
| Collecting onboarding documents | You | Gathered by you, transmitted to us through an encrypted channel. |
| The final approval decision | Us and partners | Know-your-business outcomes rest with the licensed institution. Nobody in the chain can promise an approval. |
| Licensing, settlement, card network membership | Us and partners | You operate inside our regulatory perimeter. No licence application in most markets. |
| Transaction monitoring and sanctions screening | Us | Runs continuously across the whole network. |
| Appointing your own sub-agents or resellers | Nobody | Distribution is single-layer. Your clients use the product; they cannot resell it onward. This keeps the chain auditable. |
Three ways in
A ready-made platform in your colours, on your domain. You onboard and service clients; we run everything behind it.
Drop account and card views into your existing product as hosted components. Your shell, our screens.
Build the entire experience yourself against the ledger, issuing and payout endpoints.
On the licensed infrastructure behind QB Financial Technologies.
Across the network our partners operate.
Card numbers live inside the audited issuing environment. Your systems handle tokens.
1 — Infrastructure figures are the licensed partner's published numbers, not QB Financial Technologies's own. Attribution wording to be agreed before launch. 2 — Drafting placeholder; replace with a figure the company will stand behind.
A thirty-minute call, a straight answer on which products and markets are available for a platform like yours, and a sandbox key the same day.
Accounts, card issuing, payment rails and settlement infrastructure for platforms that put finance inside their product.
QB Financial Technologies is a technology company, not a bank. Banking, payment and card issuing services are provided by licensed partner institutions. Funds are held at those institutions and are subject to their terms. QB Financial Technologies does not take deposits and does not lend.
Eligibility. All programmes are subject to know-your-business verification, sanctions screening and ongoing monitoring. Approval is not guaranteed and the final decision rests with the licensed institution. Distribution is single-layer: partners may not appoint sub-agents or resellers.
© QB Financial Technologies 2026.