Lending
End-to-end origination, decisioning, servicing as a marketplace capability. Provider adapters for Plaid Lending, Provenir, and credit-decisioning engines.
Marketplace · pick your stack
Browse providers. Pick your stack.
Every capability your bank needs, pre-integrated with the Klyqo Banking OS. Filter by capability, region, and status. Bind any provider to your tenant with one configuration change. Swap them tomorrow without rewriting a journey.
6
Capabilities live
23
Providers, live + in flight
5+
Regions covered
Capability
Region
Status
Persona
KYC & identity
Document verification, biometric matching, watchlist screening. Production adapter shipping the SME and consumer onboarding journeys.
Smile ID
KYC & identity
African ID coverage: 50+ countries, including Angola, Nigeria, Kenya, South Africa. Document + biometric, optimised for thin-file markets.
Alloy
KYC & fraud orchestration
Multi-bureau orchestration, identity decisioning, fraud signals. Strong fit for US/UK challenger banks.
Mambu
Core banking
Cloud-native core. Accounts, deposits, lending, GL. Production adapter co-built with launch partners, mock available for local development.
Thought Machine (Vault)
Core banking
Smart contract core for tier-1 challengers. Adapter scoped for design partners moving from legacy cores.
Pismo
Core banking
Modern core with strong LATAM and APAC footprint. Adapter on the H1 2026 plan.
Marqeta
Cards & issuing
Modern card issuing platform. Virtual + physical, Visa/Mastercard schemes. Adapter being promoted from mock to production.
Stripe Issuing
Cards & issuing
For US challenger banks already on Stripe rails. Adapter scoped for H1 2026.
Modern Treasury
Payments
ACH, wires, RTP. US payment ops as a service. Strong fit for the US challenger / fintech segment.
SEPA Instant + FPS rails
Payments
Direct integrations to European payment schemes. Recruiting a launch partner for the connector.
Pix (Brazil)
Payments
Brazilian instant-payment scheme. Adapter scoped on request from a launch partner.
UPI (India)
Payments
Unified Payments Interface. Adapter scoped on request from a launch partner.
Multicaixa Express (Angola)
Payments · mobile money
Angolan domestic payments + mobile money rail. Scoped for the microcredit reference architecture.
M-Pesa (Kenya / E. Africa)
Payments · mobile money
The original African mobile money. Adapter scoped on request.
Treasury (built-in)
Ledger
Klyqo’s default double-entry ledger primitive for tenants without a separate ledger system. Reconciliation, journal, GL export.
Formance / Tigerbeetle
Ledger
High-throughput modern ledger options for banks scaling past the built-in.
Sardine
Fraud & behavioural risk
Behavioural biometrics, device intelligence, AML screening. Strong fit for consumer onboarding fraud prevention.
Resend
Notify · email
Transactional email for journey notifications. Developer-friendly, modern API. Currently mock; production adapter in flight.
Twilio
Notify · SMS + voice
SMS, voice, WhatsApp Business. Multi-channel notify for customer engagement journeys.
WhatsApp Business API
Notify · messaging
Direct WhatsApp integration via Meta Business. Essential for African + LATAM markets where WhatsApp is the primary channel.
PAX
Terminals · POS hardware + acceptance
Top-3 global payment terminal manufacturer. Klyqo’s launch partner for the Terminals capability. Five devices live (A920Pro, A8900, SK700, IM30, IM25) provisioned, transacted, and reconciled through the journey runtime.
See the PAX devices →Verifone
Terminals · POS + payments
Established terminal manufacturer. Adapter on the marketplace roadmap to complement PAX as a swappable alternative.
Ingenico
Terminals · POS + acquiring
European terminal incumbent. Adapter on the roadmap for banks operating in EU markets with Ingenico installed bases.
Bureau orchestration
Lending · credit data
Multi-bureau pulls (Experian, Equifax, TransUnion), alt-data, decisioning hooks. The credit-data primitive for origination journeys.
Thin-file scoring (Africa)
Lending · alt-data
Telco data, behavioural, group-vouching for thin-file markets. Recruiting partners aligned with the microcredit reference architecture.
Collections workflows
Lending · servicing
Pre-shaped collection journeys: reminders, restructuring, escalation, write-off. PAR30/PAR90 management as a journey template.
Nothing matches those filters yet.
Tell us what you need and we’ll source it.
Horizon · 2027
From 7 capabilities to 12+.
The marketplace grows the way marketplaces are supposed to: through adapters, not through us building features. Five more capabilities planned for 2027, each landing as provider adapters from launch partners.
Treasury
Cash management, FX, sweeps, multi-currency. Provider adapters for Modern Treasury, Increase, and regional treasury platforms.
Compliance reporting
Jurisdiction-specific regulator submission. Adapters for BNA, FCA, ECB, RBI reporters, plus the long tail per market.
Customer support
In-app support, ticketing, conversational banking. Provider adapters for Intercom, Front, and banking-native support platforms.
Analytics
Banking-grade product analytics, cohort tracking, retention. Adapters for the analytics platforms your team already uses, tuned for banking events.