WHITE-LABEL BANKING

White-label banking: a new brand is a new tenant, not a fork

Your brand on a complete banking platform, accounts, international and local payments, FX, cards and crypto, in a branded web app and native iOS and Android apps, with a full back office behind them and a real double-entry ledger underneath. Launched as an isolated tenant on a production-proven core. No fork to maintain. No years to wait.

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Live in production · Web + native iOS & Android · Multi-tenant by design · Your clients, your data, your pricing · Built in Tallinn, EU

✓ Live in production, Montowire runs its entire operation on this platform under its own brand.

One platform, your brand, across web and mobile.

Three reasons people come here

You are launching a financial brand

A neobank, a niche payments product, a vertical fintech, the brand and the market are yours; the core should not take two years. The broader journey: Launch a Bank.

You are adding financial services

An established company offering accounts, payouts and cards under the name your customers already trust, financial services as an extension of your brand, not a redirect to someone else’s.

You are running several brands

One core, many tenants: different markets, different packaging, different providers per brand, zero divergence in the codebase.

The whole platform, wearing your brand

Not a widget set. Not an API and best wishes. A complete, operating banking platform:

Branded client channels	A white-label web application and native iOS and Android apps, your identity across the full journey: balances, payments and signing, FX, cards, statements, support
Multi-currency accounts	Fiat and crypto in one client profile, with identifiers usable for external payments
Every payment rail that matters	SWIFT, SEPA, fast and instant schemes, Interac, ACH/EFT, plus free instant transfers inside your platform
FX & crypto	Spot FX with your spread as revenue; crypto accounts, transfers and conversion in the same books as fiat
Cards	Virtual and physical, full lifecycle, with card providers configured per brand
Onboarding & compliance	KYC/KYB, pre-departure transaction monitoring, four-eyes controls, safeguarding, regulatory reporting
Pricing & distribution	A tariff engine that prices any client activity per client, plus an agent commission channel
A complete back office	Client and payment lifecycle, accounting operations, ticketing, oversight and a management reporting suite, from day one

What white-label means here, and what it does not

Most white-label offers are one of two compromises: a fork (your own copy of the code, ageing from the day it is cut) or a skin (your logo on someone else’s product, their limits everywhere under the paint).

A FinLabCore brand is neither. It is a tenant: an isolated organization on one shared, production-proven core, your clients, your data, your enabled capability set, your providers, your tariffs, your theming, invisible to every other tenant. The core stays one product, which means it keeps improving under you after launch: every capability the platform gains is a capability your brand can switch on.

Capabilities are sold, not hardcoded. Fiat, specific rails, cards, crypto, enabled per tenant with controlled rollout and instant switch-off. Your packaging can differ by market; the codebase never does. The architecture behind it →

White-label web and mobile apps, included on day one

Your clients meet your brand, everywhere they bank:

A web application carrying your identity through the entire journey, balances, payment creation and signing, FX, cards, statements and support.
Native iOS and Android apps, themed to your brand, with payment authorisation on mobile, your clients’ signatories approve on the move, not from a desk they had to return to.
The back office in your brand too, the console your team lives in is themed with the rest.

Apps are part of the platform, not a separate project with a separate invoice and a separate delay.

And the apps arrive furnished: the client experience, counterparties, documents, support, PIN signing, multi-company access, ships with the tenant.

Your providers, your rails, your card programmes

White-label usually means inheriting someone’s provider choices. Here the provider layer is per-brand configuration: payment rails routed to fit your corridors, several card providers running side by side, each with its own currencies, account structures and issuing rules, assigned per brand, and an institutional exchange venue behind crypto. Adding a rail or switching an issuer is configuration on a defined path, not a renegotiation of your whole stack.

See your brand on it

The fastest way to evaluate a white-label platform is to picture your logo on a working one.

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Your brand, your prices, your revenue lines

A white-label platform you cannot price is a cost centre with your logo on it. FinLabCore hands you the commercial controls: eight revenue lines, transaction fees by type and direction, recurring account fees, onboarding, FX spread, card fees, servicing, account-status fees, crypto fees, each configured per client, down to an individual account, changed from the back office without a release, and booked to its own income position so revenue reports itself by line. Add the agent commission channel and distribution comes with a variable cost curve, not a fixed sales team.

An operating institution from day one

The half of white-label nobody shows in the deck: who runs it. Your tenant inherits the complete back office the moment it exists, onboarding review, payment approval and investigation, accounting operations, price lists, integrated client ticketing, operational oversight and the full reporting suite. Role-based, attributable, and built so headcount scales with business volume, not transaction count.

And underneath everything, the ledger: balances derived from write-once entries, dual valuation, daily FX revaluation, safeguarding reconciliation, the reason this white-label platform can serve regulated activity, not just demo well.

Three ways to put your brand on banking

	Fork of a codebase	Skin on a BaaS stack	FinLabCore tenant
Who maintains the core	You, forever, alone	The provider, on their roadmap	One shared core, improving under every brand
Product limits	Frozen at the fork	The provider’s, under your paint	Your capability set, enabled per tenant
Clients & data	Yours	Often intermediated	Yours, isolated by construction
Providers & card programmes	Your integrations to build	Their menu	Per-brand configuration, swappable
Pricing power	Build it	Their fee schedule	Tariff engine, any activity, per client
The books	Build them	Their dashboard	A real double-entry ledger, yours
Back office	Build it	Their tooling, gaps included	Complete on day one
Regulatory posture	Your licence	Their licence, your dependency	Your permissions, or your licensed partners’; the software never substitutes for either

From demo to your brand, live

1. See it running

The live platform, client apps, back office, ledger, with a demo against your use case.

2. Scope your tenant

Capability set, providers and card programmes, tariffs, client tiers, country rules, mapped to your markets and permissions.

3. Apply your brand

Theming across the web app, the native iOS and Android apps and the back office.

4. Open the doors

Day one starts with a complete operating capability, and growth afterwards is configuration: new rails, currencies, programmes, even additional brands.

Montowire: the first brand on this core

Montowire, a multi-currency banking and payments platform for business clients, runs entirely on FinLabCore under its own brand: real corporate clients holding multi-currency accounts, paying over SWIFT, SEPA and local rails, converting FX and crypto, using cards, through a branded web app and native mobile apps, with the whole institution operated from the FinLabCore back office.

White-label banking platform FAQ

Do we need our own licence?

The regulatory permissions sit with you or your licensed partner providers, FinLabCore is software, never the licence holder. The obligations-to-platform maps live on EMIs & MSBs and Payment Institutions.

What exactly carries our brand?

The client web application, the native iOS and Android apps, and the back office, themed per brand across the full journey your clients and your team see.

How separate are we from other brands on the platform?

Isolated by construction: your tenant is its own organization with its own clients, data, capability set, providers and pricing, invisible to every other tenant.

Can we choose our own payment providers and card issuers?

Yes, providers are per-brand configuration behind the integration layer, including several card providers side by side, each with its own currencies and rules.

Do we get the source code?

The model is better than a code hand-off: tenancy on one continuously improved core. A fork starts ageing the day you receive it; a tenant inherits every improvement the platform ships. Commercial structures are discussed at scoping.

How long until we are live?

Scoped after the demo, against your capability set, providers and jurisdictions, an honest number beats a marketing one. What is categorical: you are configuring a live platform, not commissioning core development.

Can we start with a narrow product and grow?

That is the operating model, capabilities enabled per tenant with controlled rollout and instant switch-off; rails, currencies and card programmes added as commercial decisions.

Will the apps be in the stores under our name?

The apps are native and themed to your brand; store presence and publishing specifics are part of scoping for your setup.

Can we run more than one brand ourselves?

Yes, one platform, many tenants is the architecture. A group can operate several brands, each its own tenant with its own packaging, without a second build.

Who supports our end clients?

Your team, inside the product: clients raise and track requests from the apps, and your operations staff work them as categorised, assigned conversations with a full audit trail, integrated ticketing, not a shared inbox.

Your brand could be the next tenant

Bring your market, your capability list and your identity, we will show you the platform wearing it.

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FinLabCore OÜ · Peterburi tee 53, Tallinn, Estonia · +372 60 28445