Customer and use case
Specify the eligible UAE-based or internationally active customer segment and the financial job the product must complete.
White-label infrastructure for UAE businesses
Launch your ownbanking or paymentsproduct under your brand.
Plan branded accounts, wallets, payments, FX and cards for UAE-based businesses serving local and international customers, with the provider and compliance responsibilities defined for your use case.
Customer experience built with Framnex or connected via API
Modular product configuration
Connected regulated and specialist providers
Phased implementation path
Your product
Business account
£248,420.60
PayExchangeCards
Customer layer
Your UX — existing or built with Framnex
Infrastructure layer
Connected modules and providers
UAE market context
Match the branded UAE experience to a viable operating model.
Define the customer-facing proposition together with provider coverage, disclosures, onboarding, transaction controls and operational ownership.
Providers and responsibilities
Confirm which entities provide regulated services and who owns onboarding, controls, exceptions, support and reconciliation.
Focused rollout
Begin with a coherent product, corridor or client segment and expand from measured customer and operational outcomes.
Framnex provides technology infrastructure, not legal advice or regulatory authorisation. Availability depends on the selected product, providers, customers and jurisdictions.
What you can launch
Start with the financial product your market is already asking for.
Framnex supports focused launches and connected product propositions for fintechs, payment companies and enterprises.
Digital banking
Launch a branded business or consumer banking experience around accounts, payments and cards.
Multi-currency wallet
Create balances, funding, FX and transfer journeys for customers who hold and move money.
Payments & FX platform
Build local and cross-border payment workflows with beneficiaries, currencies and clear status.
Card & spend product
Connect virtual or physical cards to accounts, wallets, limits and operational controls.
Payout or treasury platform
Orchestrate collections, approvals, reconciliation and controlled movement of funds.
Embedded finance
Add accounts or payments inside an existing platform without sending customers elsewhere.
Fiat and digital assets
Start with fiat. Start with crypto. Or connect both in one product.
Launch a white-label proposition with digital assets from day one, add crypto capabilities to an existing banking or payments product, or connect an established crypto platform to fiat accounts, payments, FX and cards.
More than a branded interface
Keep control of the proposition — and choose how the experience is delivered.
White label should mean more than changing a logo. Connect an interface you already own, build one with your team, or include customer-facing UX design and delivery in the Framnex implementation scope.
Your existing interface or a Framnex-delivered customer experience
Your brand, domain and customer communications
Your product scope, limits and approval workflows
Your pricing and commercial proposition
Layer 01
Branded customer experience
Your existing web or mobile product, a new experience delivered with Framnex, or a hybrid approach.
Layer 02
Framnex product layer
Ledger, accounts, payments, FX, cards, workflows and orchestration across the selected provider mix.
Layer 03
Regulated infrastructure
Banks, EMIs, card processors, KYC/KYB providers, payment rails and other selected specialist services.
Platform capabilities
Build the first release from connected financial components.
Use the modules required for the initial customer workflow, then extend the product without starting again from a new stack.
Accounts & wallets
- Multi-currency balances
- Named or pooled account structures
- Virtual account workflows
- Real-time ledger and transaction visibility
Payments & FX
- Local and international transfers
- Collections and payouts
- Beneficiary management
- FX conversion and reconciliation
Cards & spend
- Virtual and physical card programmes
- Card lifecycle and activation
- Limits and spend controls
- Card-linked account or wallet journeys
Compliance & operations
- Configurable onboarding states
- KYC and KYB integrations
- Transaction monitoring workflows
- Case management and reporting
Capability availability depends on jurisdiction, customer profile, regulatory structure and selected infrastructure partners.
Licensing and compliance
Choose an operating model that matches your regulatory position.
Framnex connects product infrastructure with regulated partners and compliance providers. The exact responsibilities depend on your licence, markets, products and customer profile.
Map your operating modelUse your own licence
For licensed EMIs, PIs, MSBs and financial institutions that need a configurable product and orchestration layer.
Operate through regulated partners
For teams launching through third-party regulated infrastructure, with responsibilities defined by the selected model.
Use a hybrid model
Combine your own regulated entity with partner coverage for specific markets, rails or capabilities.
From concept to production
Make every launch dependency visible before you build.
The implementation plan connects product decisions, provider dependencies, compliance responsibilities and technical delivery in one path.
- 1Define the operating modelMap the target customers, countries, money flows, product scope and regulatory responsibilities.
- 2Select the first modulesChoose the accounts, wallets, payments, FX, cards and controls required for a credible first release.
- 3Configure providers and workflowsConnect the appropriate regulated partners, payment rails and compliance services behind the product.
- 4Connect or build the customer experienceIntegrate an existing web, mobile or platform journey through APIs and webhooks, or include customer-facing UX delivery in the implementation scope.
- 5Test and launchComplete sandbox testing, provider approvals and a controlled production rollout before extending the scope.
Build new or extend what works
Launch a new product without forcing a full-stack replacement.
Use Framnex as the foundation for a new proposition, or connect it to the interfaces, providers and operational systems that already create value.
Starting overBuilding or extending with Framnex
Develop and maintain a new ledgerUse a connected ledger and balance layer
Replace every provider at launchKeep suitable providers and add or migrate in stages
Distribute provider logic across the customer appOrchestrate multiple providers through one product layer
Build operational tooling separatelyKeep statuses, approvals, exceptions and reconciliation connected
Rework the architecture for each new moduleAdd accounts, cards, wallets, crypto or new routes to the same foundation
Product integration
POST /accounts
{
"customer": "cus_2048",
"product": "business_account",
"currency": "GBP",
"brand": "your_product"
}The integration and data model are defined around the selected product workflow and operating model.
For product and operations teams
Connect customer actions to the operational context behind them.
APIs are only one part of a production financial product. Teams also need account status, transaction visibility, controls, approvals and support context to remain connected.
Customer onboarding states
Account and transaction visibility
Workflow and control decisions
Connected support and operations
White-label banking FAQ
Questions teams ask while comparing infrastructure providers.
Practical answers on licensing, integrations, migration, implementation and phased product launches.
What is a white-label banking platform?
It is a configurable infrastructure layer that lets a business launch financial services under its own brand. You can connect an existing customer experience or work with Framnex on a new one, while accounts, payments, cards, controls and selected provider integrations are connected behind it.
Do we need our own banking or EMI licence?
Not in every model. You may use your own licence, operate through regulated partners or use a hybrid structure. The right setup depends on the jurisdiction, customer profile, products and responsibilities involved.
Who is responsible for KYC, AML and safeguarding?
Responsibilities vary by operating model and regulated partner. Framnex helps connect product and compliance workflows, but the accountable parties must be defined clearly for each launch during solution design.
Can Framnex integrate with our existing app or platform?
Yes. Framnex can sit behind an existing customer experience through APIs, webhooks and operational interfaces, so you can preserve the product your users already know.
Can Framnex also help build the customer-facing experience?
Yes. Depending on the project scope, Framnex can support the design and delivery of the customer-facing web or mobile experience as well as the infrastructure behind it. Teams can therefore bring an existing interface, build their own or include UX delivery in the launch plan.
Can we migrate from an existing BaaS or payment provider?
Yes, subject to the current architecture, data, contracts and provider constraints. A migration plan typically separates customer, account, balance, payment and operational dependencies before any production move.
Can we launch accounts and payments first, then add cards?
Yes. A phased implementation is often the most practical approach. The first release can focus on the workflow that creates the clearest customer value, with additional modules added later.
How long does implementation take?
The timeline depends on product scope, jurisdictions, provider onboarding, compliance approvals and integration complexity. Framnex starts by defining those dependencies rather than applying one generic launch promise to every project.
Which markets and customer types are supported?
Availability depends on the selected products, corridors, regulated partners and risk profile. These requirements are assessed during discovery before a solution is proposed.
Product architecture discovery
Turn your product requirements into a realistic launch architecture.
We'll map the customer journey, decide whether to connect an existing interface or include UX delivery, and define the modules, regulated partners, responsibilities and integration path required for your first release.