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Add Financial Primitives to Your Platform

Embed wallets, ledger operations, and payments into your SaaS without building core infrastructure. We handle the regulatory weight.

Embedded finance demands a ledger, regulatory compliance (KYC), and payment rails (SEPA). Traditional Banking-as-a-Service providers force rigid APIs that dictate your business logic. We invert this model.

How FERNEL Fits Your Stack

Your NeedFERNEL CapabilityModule
White-label accountsMulti-tenant wallets with your brandingLedger
Embedded paymentsSEPA transfers initiated from your UIPayments
Compliance without headcountKYC/KYB, AML screening via APICompliance
Multi-jurisdiction expansionAdd country-specific compliance through configurationCompliance
API-first integrationREST API, webhooks, OpenAPI specConnectivity

Where FERNEL Sits

Your SaaS owns the product experience. Fernel exposes accounts, payments, and compliance via a REST API engineered for strict serializability.

SaaS ApplicationAccounting, HR, PropTech, Logistics...SaaS BackendCore product logicFERNEL PlatformAccounts, Payments, Compliance

One API. Every Financial Feature.

Talk to our team about embedding financial features into your product.