Five kinds of teams. One platform.
Klyqo is opinionated about who it’s for. We ship for federated cooperative banking networks, neobanks, SME fintechs, embedded-finance startups, and lending-first plays. Same composable runtime, same marketplace of providers, five different journey shapes — with cooperative banking as the primary vertical.
Federated mutual networks.
Federated networks of small banks sharing infrastructure across a group. Agricultural cooperatives, regional mutuals, rural credit unions, community federations. One Klyqo runtime, N tenants, per-bank bindings, group-level governance with tenant isolation. The vertical the existing market doesn’t serve.
Full-stack consumer challengers.
Building a bank from scratch and need every customer-facing moment running on day one. Onboarding, accounts, cards and notify in weeks, not years.
Business banking, built right.
Serving SMBs whose banking experience is somewhere between bad and broken. KYB built in, credit origination in minutes, treasury + payments in one layer.
Banking inside your product.
Non-fintechs adding accounts, cards or lending to a product their customers already use. API-first, white-labelled, sponsor-bank-ready out of the box.
Credit-first. End-to-end.
A loan book is the product; you need the bank stack around it without rebuilding it. End-to-end origination, servicing, collections, real-time risk monitoring.