FinTech & Neobanks
Powering the Disruption.
Infrastructure for the Economy.
FinTech is no longer a niche experiment; it is the new standard of customer expectation. In this sector, you are not just competing on price. You are competing on user experience, speed, and the ability to solve problems that traditional banks ignored. But the "Move Fast and Break Things" era is over. Today, regulators are watching, sponsor banks are de-risking, and customers expect their digital wallet to be as safe as a vault. The mandate is clear. You must scale your user base exponentially while managing a compliance program that satisfies the most conservative risk officers in the industry.
​
Moraph FinTech Solutions is the specialized practice engineered to serve Consumer Neobanks, B2B Spend Platforms, and Embedded Finance innovators. We act as the secure bridge between your code and the regulated banking system. From the API call to the sponsor bank report, we provide the digital infrastructure that turns a viral app into a sustainable financial institution.
The Architecture of Value
Sponsor-Ready Security. Viral Scale.
FinTech founders face a relentless paradox. You need to ship features daily to retain fickle users, but every update creates a potential break in your compliance posture. Moraph resolves this tension.
​
We operate on a philosophy of Velocity and Validity. Whether we are architecting a real-time ledger or securing a virtual card issuance platform, our approach is rooted in "Bank-Grade" design. We recognize that for a FinTech, your relationship with your Sponsor Bank is your lifeline. If that trust breaks, the business stops.
​
Our solutions are engineered to withstand the rigorous scrutiny of BaaS (Banking-as-a-Service) audits and federal regulators. We do not retroactively apply controls. We embed KYC/CIP verification, OFAC screening, and Reg E dispute management directly into the code of your product.
Our Operational Model: The Hybrid Advantage
Proprietary Precision Meets Best-of-Breed Scale.
FinTech IT is often a chaotic mix of agile microservices and rigid legacy banking rails. Moraph offers a unique hybrid capability that unifies the challenger stack. We operate through two powerful, integrated streams:
1. Moraph Proprietary SaaS
Purpose-built applications for the industry’s most critical operational friction points. For the specific reconciliation and governance hurdles that generic software cannot handle, we deploy our own engineering. These are audit-proof applications designed to keep the sponsor bank happy.
-
Sponsor Bank Governance Hub: A "Compliance-as-a-Service" dashboard. It aggregates your program’s risk data—complaints, fraud rates, and capital levels—into a format that your sponsor bank’s risk committee can digest. It turns the monthly audit from a struggle into a seamless report.
-
Interchange Revenue Optimizer: An analytics engine for card programs. It analyzes transaction metadata to ensure you are receiving the correct interchange rates from the network. It identifies "downgraded" transactions and helps you tune your authorization data to maximize revenue per swipe.
-
Synthetic Fraud Radar: A specialized defense engine for digital onboarding. It analyzes application behavior and device telemetry to detect "Frankenstein Identities" (synthetic fraud) that pass standard bureau checks but bleed the portfolio later.
2. The Partner Ecosystem (FinTech Edition)
Managed implementation and governance of global platforms. FinTechs need the power of modern cloud infrastructure and identity tools, but they need them orchestrated for speed. We are the experts in the "FinTech Editions" of these platforms.
-
Modern Ledgering Infrastructure: Implementation of Modern Treasury or Fragment to manage complex funds flows. We ensure that your internal database and the bank’s core remain perfectly in sync, preventing the "Ledger Drift" that kills FinTechs.
-
Identity & Fraud Orchestration: Integration of Socure, Persona, or Alloy. We build dynamic decisioning workflows that introduce friction only when risk is high, keeping your conversion rates high and your fraud rates low.
-
Cloud-Native Scalability: Management of AWS or Google Cloud with Kubernetes (EKS/GKE). We build auto-scaling environments that can handle a viral marketing event or a sudden influx of deposits without a millisecond of latency.
Consumer Neobanks
Growth with Guardrails.
For challenger banks serving retail customers, Customer Acquisition Cost (CAC) and Lifetime Value (LTV) are the metrics that matter. Moraph partners with Product Heads to build features that drive retention without breaking the rules.
-
Real-Time Dispute Management: We automate the intake and provisional credit decisioning for transaction disputes. We ensure you meet Reg E timelines while using data to deny friendly fraud instantly.
-
Customer Support Automation: We deploy AI-driven support tools that integrate with the ledger. Agents can see "Where is my direct deposit?" status instantly, reducing handle time and improving the trust score of your brand.
-
Early Wage Access (EWA) Ops: We manage the complex float and settlement operations for early pay products. We ensure that the risk models governing advanced funds are robust and that repayment flows are seamless.
B2B FinTech & Spend Management
The CFO's Operating System.
For platforms offering corporate cards, expense management, and AP automation, reliability is the product. Moraph provides the uptime and data accuracy that allows CFOs to trust you with their runway.
-
Virtual Card Issuance: We architect the secure infrastructure for generating thousands of virtual cards on demand. We ensure that spending limits and merchant category code (MCC) blocks are enforced instantly at the processor level.
-
ERP Integration Pipelines: We build the resilient data connectors that push transaction data from your platform into your client’s ERP (NetSuite, QuickBooks, Sage). We ensure the data is clean, categorized, and reconciles perfectly every time.
-
Credit Risk Modeling: For B2B lenders, we implement the data infrastructure to ingest real-time banking data (via Plaid/Finicity) for underwriting. We allow you to adjust credit limits dynamically based on the client’s cash balance.
Embedded Finance & Payment Infrastructure
Reliability as a Service.
For platforms enabling others to launch financial products, you are the infrastructure. Moraph provides the "five nines" reliability that allows your customers to build their businesses on your API.
-
API Reliability Engineering: We monitor your endpoints from the customer’s perspective. We detect and resolve latency issues in the "handshake" between your API and the banking core before transactions fail.
-
Complex Funds Flow Management: We map and monitor the movement of funds across For-Benefit-Of (FBO) accounts. We ensure that money moves from the sender to the receiver to the revenue account in strict compliance with money transmission laws.
-
Merchant Underwriting Ops: We automate the Know Your Business (KYB) checks for new merchants. We scrape business registries and sanctions lists to approve good merchants in seconds while blocking bad actors.
The Moraph Difference: Managed Governance
We Don't Just Code. We Comply.
The greatest risk to a FinTech is "De-Risking"—when a sponsor bank shuts down a program because they can't see what's happening. A viral app today can be a closed business tomorrow if the compliance black box is not opened. Moraph distinguishes itself through our Managed Governance model. We act as the translation layer between Silicon Valley and Wall Street.
-
Continuous BaaS Monitoring: We utilize automated tools to scan your program limits 24/7. We alert you if you are approaching the concentration limits or velocity caps set by your sponsor bank, allowing for proactive management.
-
The "Sponsor-Aware" Service Desk: For our FinTech clients, support isn't routed to a generic queue. It is handled by our Global Resilience Command. We understand that a ledger discrepancy of $0.01 is a reconciliation emergency, not just a rounding error.
-
Third-Party Sender Compliance: We ensure your ACH operations meet NACHA standards. We monitor return rates and unauthorized entry ratios, keeping your program below the thresholds that trigger audits and fines.
Partner with Moraph
The Innovation is Yours. The Infrastructure is Ours.
FinTech leaders today are asked to do the impossible. Disrupt a trillion-dollar industry, delight users, and operate with zero failure. You cannot navigate this high-growth volatility alone. Partner with Moraph FinTech Solutions. Let us handle the complexity of the digital domain so that you can focus on your true mandate: redefining the future of finance.
​