Banking inside your product, not a separate one.
Reference architecture for adding banking to a non-bank’s product. SDK-first integration, white-labelled flows, sponsor-bank-ready out of the box. The host brand stays consistent; Klyqo + sponsor handle the regulated parts. For SaaS, marketplaces, gig platforms and any product whose customers would rather not leave for banking.
Banking your customers want inside the product they already use.
Embedded finance only works when the host brand owns the experience and the regulated parts disappear under the surface. The integration must be SDK-deep enough to look native, API-deep enough to support arbitrary workflows, and compliance-deep enough that the sponsor bank trusts the deployment.
Embedded means the host brand owns the surface.
The architecture shifts in one specific way: the channel layer collapses into the host’s product. Klyqo ships SDK components that render in the host’s brand; everything below the SDK is the same composable runtime.
Customer never leaves the host product.
A user clicks “Open account” in the host’s product. Klyqo renders the onboarding flow in the host’s brand (via @klyqo/react), runs KYC + AML + sponsor-bank account provisioning, returns control to the host SDK. The whole experience looks like a feature of the host product, not a redirect to a bank.
What you pick from the marketplace.
Embedded finance constraints the marketplace selection to providers your sponsor bank has pre-approved. Klyqo ships with a curated list per sponsor; swap within the list freely.
Honest about the build.
Embedded finance has three failure modes. (1) Picking a sponsor bank who can’t actually move at your pace. (2) Wrapping a generic banking SDK in your colors and calling it embedded. (3) Underestimating the program-management work: the sponsor expects daily reconciliation, monthly compliance reports, quarterly business reviews. Klyqo solves the technology shape; the program-management discipline is yours.
What you bring: the sponsor-bank agreement (or willingness to sign one we recommend), the host product, the user base, the program-management capacity. What Klyqo brings: the SDK, the runtime, the sponsor-bank adapters, the journey templates, the audit log per tenant. What we figure out together: which sponsor for your jurisdiction, which providers in the sponsor’s approved list match your product, what the white-label depth looks like at every customer touchpoint.
If you’re a SaaS, marketplace, or platform considering embedded banking and you don’t want to learn the sponsor-bank dance the hard way: talk to us before you sign with the first BaaS vendor who pitches you a turnkey.
Adding banking to your product?
If you’re a non-bank with a real customer base and you’re evaluating embedded finance, the first conversation is short. Tell us about the product, the customer, the jurisdiction, the financial outcome you want for them. We’ll tell you which sponsor + provider combo makes sense and whether Klyqo’s SDK fits today.
Email diogo@klyqo.com Response within two business days