Key and Secret Management
Cryptographic key management for card credentials, payment tokens, and sensitive data fields. Keys generated, stored, and rotated within the platform's security layer — not managed by a third-party key management service.
Debit, virtual, and tokenised card issuing.
End-to-end encryption and key management. All native to the Metagens.ai stack not a separate card platform product bolted on.
Three products, three integration points, three components of your monthly platform cost. The capabilities are real. So is the complexity. In Metagens.ai card issuing is not a separate product — it is part of the same system as the lending module, the AML engine, and the core banking ledger.
the card module and the ledger are the same system. Real-time update. No sync. No delay.
a fraud trigger reaches the AML engine in the same transaction. Not routed separately. Same moment.
the case record links automatically to the original transaction, the borrower account, and the full compliance history.
card-based lending products built on the same stack as the loan book. One deployment covers all three.
native card issuing eliminates an entire category of vendor complexity before you have written a single line of integration code.
Physical and virtual debit card issuance. Configurable card programmes — per product, per borrower segment, per tenant. Card design and programme parameters set by your team.
Instant virtual card issuance for online and digital payment use cases. Tokenised virtual cards for secure e-commerce. Single-use virtual cards for specific transaction authorisation. All issued and managed within the platform.
Tokenised card credentials for secure digital payments — Apple Pay, Google Pay, and in-app payment integration. Token lifecycle management, token provisioning, and token revocation all managed natively.
Every card transaction authorized in real time. Balance check, spending limit check, merchant category check, and AML risk assessment run in the same authorization transaction. No separate authorization system. No external processor decision latency.
Transaction spending limits, merchant category restrictions, geographic usage controls. Per-card and per-programme configuration. Freeze and unfreeze cards in real time. Temporary limit adjustments without card reissuance.
Real-time fraud monitoring on every card transaction. Anomaly detection and alert routing to the compliance team. Chargeback and dispute handling workflow native to the platform — connected to the original transaction record, the borrower account, and the AML case history.
Security in Metagens.ai is not a compliance checkbox — it is the architecture constraint that every other module is built around
Cryptographic key management for card credentials, payment tokens, and sensitive data fields. Keys generated, stored, and rotated within the platform's security layer — not managed by a third-party key management service.
Encryption at rest and in transit for all sensitive financial data — card credentials, borrower PII, transaction records, and AML case files. Encryption applied at the storage layer — not as a middleware wrapper.
TLS encryption for all API communications. Certificate management and renewal within the platform. No sensitive data transmitted in plaintext at any point in the processing chain.
Because both are part of the same platform, a card authorisation connects directly to the borrower's loan account in the core banking ledger — in real time, in the same transaction. A BNPL purchase updates the available credit balance immediately. A revolving credit draw-down from a card shows on the loan account simultaneously. No reconciliation. No sync delay.
Card programme configuration, including card art and brand parameters, is set by your team within the platform's card management interface. Physical card production depends on your card network relationship and issuing bank arrangement. We can advise on the programme setup during the deployment process.
Fraud monitoring and AML monitoring run on the same event stream. A card transaction that triggers a fraud flag is evaluated by the AML engine in the same processing cycle — not routed to a separate compliance queue. If the fraud flag meets SAR threshold criteria, a SAR is prepared automatically. The case record connects to the original card transaction, the borrower account, and any prior AML history for that customer.
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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