An SME bank, built for the buyer who runs the business.
Reference architecture for launching an SME-focused neobank on the Klyqo Banking OS. KYB built in, multi-user accounts, expense controls, integrations with the accounting tools they already use, lending that fits cash-flow not credit-score. Banking for SMBs whose existing relationship is somewhere between bad and broken.
Business banking for the buyer who runs the business, not their bank manager.
The SME segment is the one with the largest gap between need and product. Incumbents under-serve them; tier-1 corporate platforms over-charge them. The right shape is consumer-grade UX, SME-grade compliance, and B2B-grade workflows (multi-user, expense roles, accounting integrations).
Five layers + two rails. KYB and multi-user as first-class concerns.
SME banking adds two things that consumer banks don’t need: KYB workflows for company verification and beneficial-ownership capture, and multi-user permissions on the account itself. Klyqo treats both as first-class capabilities in the marketplace.
KYB to first card spend in 24 hours.
A founder applies on the marketing site with their company registration number. Klyqo runs commercial-registry lookup → UBO capture → director KYC → AML → account provisioning → multi-user invite → card issuance. End to end in under a day for clean cases; branch escalation only when needed.
What you pick from the marketplace.
An SME neobank uses six marketplace providers plus the core. The KYB step is the SME-specific addition; the rest mirrors the consumer pattern but with multi-user awareness throughout.
Honest about the build.
SME banking is harder than consumer banking on the workflow side and easier on the consumer-protection side. KYB takes longer than KYC, mandate matrices have edge cases, and the customer expects integration with the tools they already use. None of this is unsolvable, but it’s why most consumer neobanks who tried to add SME failed at it.
What you bring: the licence (or sponsor), the brand, the acquisition motion (typically founder-network + paid social + accountant partnerships), the compliance officer. What Klyqo brings: the runtime, the KYB + mandate-matrix journey templates, the multi-user-aware adapters, the accounting integration patterns. What we figure out together: which KYB vendor for your registry coverage, which accounting integrations to ship first, which expense-control surface lands with your buyer.
If you’re launching an SME challenger and want a real product running in ten to twelve weeks: talk to us before you commit to a tier-1 platform built for tier-1 banks.
Launching an SME bank?
If you’re a founder building SME banking and you’re tired of horizontal vendors pricing you for tier-1 corporate, the first conversation is short. Tell us about the market, the licence, the registry geography, the buyer profile. We’ll tell you whether Klyqo is the right runtime for you today.
Email diogo@klyqo.com Response within two business days