The platform that powers regulated finance.
StackFlow gives fintechs, PSPs, neobanks and blockchain companies a complete, multi-tenant core — licensing, payments, banking-as-a-service, crypto and compliance — operated as a service so you ship, not build.
Who it’s for
One platform, many kinds of financial business
PSPs & acquirers
Launch a fully-operated payments business — accounts, cards, settlement, reserves — without building the core.
Neobanks & fintechs
IBANs, multi-currency wallets, payouts and a merchant-grade dashboard, white-labelled under your brand.
Blockchain companies
On/off-ramps, crypto checkout and custody flows alongside fiat rails on one ledger.
Licensees & sponsors
Lend your regulatory license to other brands through a permissioned, cryptographically-signed marketplace.
The platform
Everything the core needs, operated for you
Multi-tenant by design
One platform, many brands. Strict data isolation per brand and per license, enforced in the app and at the database (row-level security).
Capability marketplace
Brands lend and borrow licenses under bilateral agreements signed with ed25519 keys — non-repudiable, verifiable, revocable.
Compliance & risk
KYB/KYC orchestration, AML, fraud, sanctions and SAR workflows, with a regulator-scoped view per license.
Money engine
Double-entry ledger, fees, settlement cycles, rolling reserves, payouts and treasury — in minor units, reconciled.
Unified data platform
A canonical transaction model feeds merchant, admin and vendor systems in sync, with a governed raw-data explorer.
Pluggable rails
Card, IBAN and crypto providers behind a router — switch or multi-home processors per brand and jurisdiction.
How it works
Platform → Brand → License → Merchant
StackFlow / ACT Trader
Owns the technology, the license registry and the ecosystem. Sees everything; provisions everyone.
PSP / Neobank / Fintech
An operating tenant. Onboards and services its own merchants under one or more licenses.
Jurisdiction × Regulator
The regulatory boundary. Brand-owned or borrowed via the marketplace; on-platform or external.
The end business
Onboarded by one brand, homed to one license, transacting across cards, IBAN and crypto.
Capability marketplace
Lend & borrow licenses, cryptographically
A licensee publishes its regulatory license as an offer. A brand requests it, both parties sign the agreement with their own private keys, and the license activates — instantly poolable for onboarding. Every client onboarded onto a borrowed license is co-owned: operationally by the consumer brand, for regulatory purposes by the license owner.
- Bilateral ed25519 signatures — non-repudiable consent
- Tamper-evident agreements, verifiable any time
- Suspend, revoke or terminate with one action
- Dual-ownership visibility, isolated per regulator
owner ▸ publish(licenseOffer)
brand ▸ request(agreement)
owner ▸ sign(ed25519) ✓
brand ▸ sign(ed25519) ✓
→ ACTIVE · credential issued
→ license joins brand pool
verify ▸ both signatures valid ✓Build your financial product on StackFlow
Provision a brand, connect a license, onboard merchants — the ecosystem runs on one platform.
Enter platform console