Card-rail payments for
e-wallets
Woven into one fabric.

Open Fabric bridges non-banking finance companies with state-of-the-art payment technology. Tokenize balances, orchestrate checkouts, enforce policies — all on the Visa and Mastercard networks your customers already know.

Modular by design.
One payment stack.

No monolithic card management suite. Pick the capabilities that fit your use case and go live fast — anywhere card payments are accepted. No new rails. No reconciliation headaches.

01 · TOKENIZATION

Account tokenization

Turn any balance — wallet, BNPL line, bank account — into payment instruments accepted at millions of touch points on Visa and Mastercard networks.

Own-app NFCVirtual cardsApple / Google / Samsung PayAgentic tokens
$4,280.50 BALANCE NFC-142 VCN-307 WLT-218 AGT-481
02 · ORCHESTRATION

Payment orchestration

Plug your payment method into the online world — or bring the shopping experience into your own app. Merchants and gateways integrate once.

Checkout redirectAI-assisted in-app shoppingCard-rail settlementPartner APIs
Amazon Nike Grab WALLETS BNPL BANKS
03 · CONTROLS

Spend controls

Policy-based rulesets evaluated in real time during every authorization. Scope to all accounts, a single token, or anything in between.

Velocity limitsMCC / geo filtersTime windowsTiered overrides
AUTH-0481 $42 Netflix ✓ approved AUTH-0482 $2,800 Crypto X ✗ velocity AUTH-0483 $12 Blue Bottle ✓ approved AUTH-0484 $620 MCC 7995 ✗ category AUTH-0485 $89 Apple ✓ approved AUTH-0486 $340 Amazon ✓ approved AUTH-0487 $1,200 MCC 6051 ✗ risk AUTH-0488 $24 Uber ✓ approved
04 · RAILS

The networks you already trust

Everything runs on Visa and Mastercard. Existing acceptance, existing settlement, existing consumer expectations. You get the rails; your customer gets the experience.

VisaMastercard3D SecurePush-provisioning
240M+ ACCEPTANCE POINTS
Explore the full stack Deep-dives on tokenization, orchestration, controls & agentic commerce.
ACCOUNT TOKENIZATION

Four token types.
One platform.

Choose the shape the moment calls for. The SDK handles key management, cryptograms, and lifecycle — you handle the customer experience.

01
Own-app NFC
Phone to terminal, tap, paid. Lightweight SDK handles secure element, tokenization, transaction flow.
02
Virtual cards on demand
Issue cards for online shopping anywhere Visa and Mastercard are accepted. Full 3D Secure.
03
Push to wallets
Provision into Apple Pay, Google Pay, Samsung Pay. Familiar UX; your balance behind it.
04
Purpose-scoped tokens
Issue tokens an AI agent can use for one thing, in one place, for one day. Bounded autonomy.

For every balance.
For every checkout.

From e-wallets to BNPL to neobanks, our customers ship offline, online, B2B, and agentic experiences on the same set of primitives — without teaching their users any new behavior.

01 · Who we serve The balance holders
01
E-wallets
Tokenize wallet balances for retail, transit, and online — domestic to global.
02
BNPL & credit
Take your credit facility from high-street retail to global e-commerce.
03
Digibanks & neobanks
Match wallet agility with tokenized debit, savings, and credit instruments.
04
Crypto wallets
Spend crypto balances at any Visa or Mastercard merchant — no off-ramp friction.
05
Loyalty programs
Turn points into a spendable currency on the same card rails as everything else.
02 · What they ship The use cases
01 · Offline payments
Offline payments
Tap and pay at any Visa or Mastercard terminal — from your own app, Apple Pay, or Google Pay. No physical card required.
02 · Online payments
Online payments
Virtual cards for any e-commerce checkout, gateway acceptance for your payment method, and AI-assisted in-app shopping.
03 · Expense management
Expense management
Issue tokens with per-transaction limits, merchant restrictions, country controls, and time-based policies — enforced at the network.
04 · Agentic commerce
Agentic commerce
Issue scoped tokens AI agents can use autonomously. Spend Controls define the boundaries; you keep visibility and control.

Built to carry
real money.

Payments infrastructure only matters if it stays up, stays secure, and stays accountable. We hold the certifications regulators and partners ask for — and publish the ones they should.

Weave your
balance sheet
into the card rails.

Book an integration call Read the docs