You are embedding financial products
Lending, payments, cards — into a non-financial platform. You want infrastructure you own and operate, not a BaaS provider whose biggest margins come from the services they wrap around the technology. Metagens.ai is API-first fintech infrastructure with no bank sponsorship bundled, no white-label app required, and no services premium on every transaction.
Most embedded finance providers aren't selling pure technology—they are selling managed services. They bundle bank sponsorships and managed compliance, and in return, they charge a premium on every single transaction your users make.
As your volume scales, that BaaS tax becomes your biggest expense. Worse, you are locked into their rigid product definitions and forced to rely on their support team to make basic configuration changes.
Metagens.ai is pure, API-first infrastructure. You build your custom UI on top of our lending and core banking APIs. We don't force a white-label app, we don't bundle unwanted services, and we don't tax your growth. You own the product; we power the ledger.
Integrate a complete financial stack into your existing platform without surrendering your margins to a managed BaaS provider. We deliver lending, payments, and compliance as pure, API-driven infrastructure. You dictate the user experience and own your transaction revenue; we power the native ledger behind it.
every module accessible via API. Your team integrates Metagens.ai’s infrastructure into your existing platform lending, payments, AML, cards without adopting our front-end or our white-label mobile app. You control the user experience.
loan origination, disbursement, revolving credit, and payment mandate collection embedded into your product via API. Your borrowers see your brand. The lending engine is Metagens.ai. No separate LOS to source and integrate.
a sponsored bank relationship for ACH and card issuing is not bundled into the Metagens.ai platform. You bring your own banking relationship or we advise on options. This means you are not locked into a provider’s banking partners when your own arrangements change.
SAR generation, OFAC screening, PEP detection, and real-time risk scoring as infrastructure — built into the platform your team runs. Not a compliance service managed by someone else on your behalf.
card issuing connected directly to the lending module and core banking ledger. Virtual and physical cards under your brand, managed within the platform your team operates.
Build seamless financial experiences directly into your SaaS platform. Metagens.ai provides the headless lending, payments, and compliance engines—giving your engineering team complete control over the UI, user journey, and transaction margins.
Every module accessible via API. Your team integrates Metagens.ai's infrastructure into your existing platform — lending, payments, AML, cards — without adopting our front-end or our white-label mobile app. You control the user experience.
Embed complete loan origination, automated decisioning, and payment collection directly into your platform. Your users never leave your environment. There is no need to source or integrate a separate, third-party Loan Origination System (LOS).
Launch Buy-Now-Pay-Later (BNPL), invoice financing, or short-term merchant cash advances natively at your platform's point of sale. Manage automated payment mandates and card-based disbursements instantly, fully compliant for the US market.
Offer dynamic credit lines directly to your users. The platform automatically handles complex credit limits, draw-down cycles, and minimum payment calculations—all synced in real time to the native core ledger.
Yes. The platform is designed for engineering teams without financial services backgrounds. The complexity of the underlying regulatory and technical architecture is managed by the platform — your team configures the product parameters, not the payment protocols. Onboarding includes structured support from the Metagens.ai team during the deployment window.
For ACH and card issuing in the US market, a bank sponsor relationship is required — this is a regulatory requirement, not a platform requirement. Metagens.ai does not bundle a bank sponsorship into the platform cost; you arrange this independently. We can advise on the process during the deployment scoping conversation.
Many others wrap the technology with managed services — compliance, disputes, programme management as the primary revenue driver. Their platform is designed to minimise the engineering and compliance overhead you manage yourself. Metagens.ai assumes your team will manage the infrastructure directly and prices accordingly. If you want a managed outcome with minimum engineering involvement, and is designed for that. If you want infrastructure ownership with full control over your product and your costs at scale, Metagens.ai is built for that.
Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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