Turn any balance into a payment method accepted globally
Open Fabric tokenizes your customer accounts — wallets, BNPL, bank balances — so they can pay in-store, online, and through AI-powered agents on Visa and Mastercard rails.
Open Fabric tokenizes your customer accounts — wallets, BNPL, bank balances — so they can pay in-store, online, and through AI-powered agents on Visa and Mastercard rails.
Whether you operate a closed-loop wallet, a BNPL product, or a digital bank — we help you unlock acceptance at millions of merchant touch points.
Tokenize your wallet balance and enable usage across retail, transit, domestic, and cross-border touch points.
Expand where your customers can use their credit facility — from high-street retail to global e-commerce.
Match the agility of e-wallets with tokenized debit, savings, and credit products for frictionless payments.
Bridge crypto balances to everyday spending. Tokenize digital asset accounts so your users can pay at any Visa or Mastercard merchant — no off-ramp friction.
Turn loyalty points into a spendable currency at any card acceptance point — retail, online, and cross-border — through the power of account tokenization.
No monolithic card management suite. Pick the capabilities that fit your use case — a lightweight SDK here, an API there — and go live fast.
Tokenize customer accounts into Own App Tokens for NFC, Virtual Cards for e-commerce, Digital Wallet Tokens for Apple/Google Pay, and Agentic Tokens for AI-driven commerce.
Learn moreLet merchants accept your payment method at checkout, or bring shopping into your own app with AI-assisted in-app shopping — all on card rails using the existing payment gateways.
Learn moreControl how every token is used with policy-based Spend Controls — transaction limits, velocity caps, merchant and country restrictions, and time-window policies.
Learn moreTokenize a single customer account into multiple payment instruments — each optimized for a different channel.
Let your customers pay contactless from your own app with a single NFC tap. Our lightweight SDK turns any balance into a payment instrument accepted at millions of terminals globally.
Issue virtual cards instantly so your customers can spend online — domestically and cross-border — on any merchant that accepts card payments. Full 3D Secure support included.
Push-provision your tokenized accounts into the digital wallets your customers already use. One integration, three major wallet ecosystems.
Issue scoped payment tokens that AI agents can use to transact on behalf of your customers. Pair with Spend Controls to set precise boundaries on amount, merchant, geography, and time — so agents operate autonomously but within clear guardrails.
Open Fabric powers every payment scenario your customers encounter.
Your customers tap and pay at any Visa or Mastercard terminal worldwide — using your own app with NFC, or through Apple Pay and Google Pay. No physical card needed.
Virtual cards for any e-commerce checkout, merchant orchestration so gateways can accept your payment method, and AI-assisted in-app shopping so customers can buy without leaving your app.
Issue tokens to employees or departments with Spend Controls that enforce per-transaction limits, merchant restrictions, country controls, and time-based policies in real time.
Issue Agentic Tokens so AI agents can transact autonomously on behalf of users. Spend Controls define the boundaries — agents get the freedom to act, you keep full visibility and control.
Explore our APIs, SDKs, and integration guides.