Onboarding, accounts, cards and notify on day one. Klyqo composes the full retail journey in typed code and dispatches every step through a marketplace of best-of-breed providers. Live in 4-6 weeks, on any modern core.
Every consumer challenger we’ve talked to runs into the same three walls on the way to first deposit. None of them are the bank idea.
Customer onboarding, KYC, ledger, cards, notify, fraud. Every one is a different SDK, a different webhook contract, a different retry semantics. Your first product slips a year while you stitch the plumbing.
Old-world engagement platforms ship their own KYC, their own cards, their own ledger. You buy the bundle. Switching the vendor your CFO hates means re-platforming the whole bank.
No-code builders look great in demos. The minute your KYC needs a custom retry branch or your account-opening journey needs a conditional sub-flow, you’re stuck in a vendor’s tool that your engineers can’t version, can’t PR, can’t unit-test.
Every neobank journey expressed as typed TypeScript, dispatched through a marketplace of providers, executed durably on any core. Same code path for every tenant; swap any provider on a binding.
Sign-up → identity check → screening → account provisioning → notify, in a single TypeScript file. Each step dispatches through the marketplace, each step is replayable, each step lands in your audit log.
Virtual card issuance triggers from the account-open journey. Physical card pipeline is the same journey, just with extra steps for fulfillment. One adapter, swappable to any card issuer in the marketplace.
Klyqo is the channel-agnostic runtime. The same journey runs whether the customer hits web, iOS, Android or your partner app. State lives in your tenant; sessions don’t break across channels.
First product ships in weeks. Second product is a new journey file in the same repo. Cross-sell flows reuse the same KYC, same ledger, same fraud signals you already wired. No re-integration tax.
A pre-shaped journey + recommended provider bindings for retail onboarding, accounts and cards. Clone the repo, swap the bindings to your providers, deploy. Production-shaped from hour one.
Includes the typed journey definitions for account creation, KYC dispatch, ledger provisioning, virtual card issuance, welcome notify, and the audit trail spanning all of them. Default bindings are mock adapters so you can run locally before binding to live providers.
Talk to us about your neobank. Thirty minutes. No deck. We’ll show you the runtime, walk through the blueprint, and tell you honestly whether Klyqo fits your stage.