EBank is a category-defining white-label digital banking and embedded-finance platform designed for companies that want to launch and operate a fully branded financial ecosystem without building the underlying infrastructure from scratch.
The platform combines digital banking, multi-currency wallets, payments, card issuing, international transfers, lending, fixed-term deposits, investments, compliance, digital products, customer support, marketing tools, and third-party provider integrations within one configurable solution.
Every element—including the brand, domain, colours, logos, currencies, languages, fees, limits, landing pages, policies, notifications, financial providers, and available services—can be managed by the platform operator.
Users receive a primary wallet and can operate additional currency wallets supported by the connected financial providers.
Customers can request and manage branded virtual payment cards for online purchases, subscriptions, and business expenses.
Users can create international bank transfers from their available wallets.
Customers can complete identity verification using either a configurable manual KYC form or the Sumsub WebSDK.
Users can open a dedicated investment account and transfer funds between their main wallet and investment wallet.
EBank includes an internal financial activity rating that calculates a customer’s credit score from their platform behaviour.
Users can place wallet funds into configurable fixed-term deposits and earn a predefined return.
The built-in support centre allows customers to create tickets, select priorities, exchange messages with the support team, upload attachments, track replies, and review closed or active conversations.
EBank provides customers with a modern, responsive banking dashboard accessible from desktop and mobile devices.
EBank provides customers with a modern, responsive banking dashboard accessible from desktop and mobile devices.
Users receive a primary wallet and can operate additional currency wallets supported by the connected financial providers. Each wallet includes its own account number, available balance, currency, status, and complete transaction history.
Customers can fund wallets using automatic or manually verified payment methods. All applicable exchange rates and platform fees are calculated before confirmation.
The platform supports configurable funding options through:
Each payment method can have independent minimum and maximum amounts, fixed fees, percentage fees, exchange rates, payment instructions, and sandbox settings.
Customers can instantly transfer funds to another registered EBank user using the recipient’s account information. Transfers are settled internally, recorded for both parties, and reflected immediately in their balances and transaction histories.
Users can create international bank transfers from their available wallets. The platform supports approved beneficiaries, bank information, account numbers, IBAN, SWIFT/BIC, routing numbers, sort codes, transit and institution numbers, bank codes, recipient addresses, and payment purposes.
Transfers can be processed automatically through an active provider or reviewed manually by the operator.
Customers can save personal or business beneficiaries and submit their banking details for approval. The beneficiary approval workflow helps prevent incorrect or unauthorised payouts before funds are transferred.
Users can preview exchange rates and convert funds between supported currency wallets. Quotes may be supplied by the active banking provider or FXRatesAPI, while settlement and accounting remain securely inside EBank.
Customers can request and manage branded virtual payment cards for online purchases, subscriptions, and business expenses.
Card functionality includes:
Cards can be connected to Stripe Issuing or ATNM Digital Solutions Operator Services, including NFC virtual-card operations.
Through the Reloadly integration, users can purchase mobile airtime for supported countries and operators. The platform displays available operators, accepted amounts, currencies, order status, and purchase history.
Customers can purchase digital gift cards from an integrated international product catalogue. Supported countries, product availability, order values, platform margins, KYC requirements, and order history are centrally managed.
Users can open a dedicated investment account and transfer funds between their main wallet and investment wallet.
The investment module provides:
Massive Market Data supplies market prices, while portfolio accounting, positions, cash balances, and settlement are maintained within EBank.
EBank includes an internal financial activity rating that calculates a customer’s credit score from their platform behaviour.
Eligible customers can:
Approved loans are credited directly to the customer’s wallet.
Users can place wallet funds into configurable fixed-term deposits and earn a predefined return.
The FDR module includes:
Customers can complete identity verification using either a configurable manual KYC form or the Sumsub WebSDK.
The system supports personal information, custom verification fields, document uploads, automated status updates, manual review, rejection reasons, and KYC restrictions for sensitive financial operations.
Every financial event is recorded with a unique reference, category, direction, amount, currency, status, provider details, fees, and timestamp.
Users can review their complete transaction history and generate downloadable PDF account statements for selected wallets and periods.
Customer security tools include:
The built-in support centre allows customers to create tickets, select priorities, exchange messages with the support team, upload attachments, track replies, and review closed or active conversations.
Users can switch between enabled languages. The platform supports custom language names, flags, translation keywords, translation import, default-language selection, and complete localisation of customer-facing content.
The EBank administration panel gives the operator central control over customers, money movement, products, compliance, branding, providers, and platform operations.
The EBank administration panel gives the operator central control over customers, money movement, products, compliance, branding, providers, and platform operations.
Administrators receive a real-time overview of:
Administrators can inspect customer profiles, wallets, cards, transactions, KYC status, and financial activity. They can manually update KYC decisions and credit customer wallets with a fully recorded administrative transaction.
The platform provides a unified transaction ledger with filtering, reference lookup, user information, transaction categories, debit and credit directions, provider status, fees, and processing details.
Administrators can review complete recipient and banking information, approve or reject beneficiaries, and process pending manual wire transfers. Rejected transfers are recorded and handled according to the platform workflow.
Manual bank and cryptocurrency deposits can be reviewed, approved, credited, or rejected. Automatic deposits are updated through provider callbacks and signed webhooks.
The operator can review credit-score eligibility and loan applications, define approved amounts, add internal notes, approve loans, reject applications with reasons, and monitor outstanding principal and repayment activity.
Administrators can monitor active and matured fixed deposits, principal, interest, terms, maturity dates, and the total capital held in the FDR programme.
The compliance centre supports:
Operators can independently configure fees and operational limits for:
Every gateway can be enabled, disabled, configured, tested, and assigned its own credentials, payment limits, fixed charges, percentage charges, exchange rates, instructions, and customer-facing labels.
EBank provides a flexible provider layer that allows one provider to act as the primary operating rail while others handle specialised services.
Supported integrations include:
Administrators can securely store credentials, switch between sandbox and production modes, select a default provider, inspect supported operations, test connections, and review the last connection result.
The entire customer experience can be adapted to the operator’s identity:
The platform includes native tools for:
Administrators can configure:
The extension centre expands the platform without changing its core:
Each extension can be independently enabled and configured from the administration panel.
The automation centre manages scheduled operations for:
Administrators can enable jobs, define schedules, run them manually, inspect execution status, and review detailed logs.
EBank can operate as part of a wider licensed business infrastructure through the integrated Virtual Office centre:
The operator can manage service status, licence identifiers, expiration dates, usage data, and secure operator API keys from a single interface.
EBank is more than a banking interface. It is a complete white-label financial operating environment that unifies customer banking, card products, international payments, foreign exchange, lending, savings, investments, digital commerce, compliance, support, automation, analytics, and provider orchestration.
The result is a unique, deployment-ready solution that enables banks, fintech companies, payment businesses, digital brands, and licensed operators to launch a differentiated financial platform under their own identity—while retaining complete control over products, revenue, risk, customer relationships, and future expansion.
Every element—including the brand, domain, colours, logos, currencies, languages, fees, limits, landing pages, policies, notifications, financial providers, and available services—can be managed by the platform operator.
The platform combines digital banking, multi-currency wallets, payments, card issuing, international transfers, lending, fixed-term deposits, investments, compliance, digital products, customer support, marketing tools, and third-party provider integrations within one configurable solution.
The result is a unique, deployment-ready solution that enables banks, fintech companies, payment businesses, digital brands, and licensed operators to launch a differentiated financial platform under their own identity—while retaining complete control over products, revenue, risk, customer relationships, and future expansion.
EBank is more than a banking interface. It is a complete white-label financial operating environment that unifies customer banking, card products, international payments, foreign exchange, lending, savings, investments, digital commerce, compliance, support, automation, analytics, and provider orchestration.
