Cards Core
Card infrastructure shaped around the product—not around the processor.
Cards Core provides a reusable layer between FinDech products and issuing, processing, network, manufacturing, tokenization, and settlement partners. It enables each brand to deliver its own card experience while using common lifecycle, control, authorization, reconciliation, and operations infrastructure.
Core Sequence
- 01Create
- 02Provision
- 03Authorize
- 04Control
- 05Settle
Core Principle
The Processor Should Not Shape The Product
Card programs usually inherit the vocabulary, limits, and lifecycle of whichever processor was chosen first. Cards Core inverts that: the product defines the card experience, and the shared layer translates it into processor, issuer, and network behaviour.
What This Core Provides
Reusable Cards Core capabilities available to FinDech products, configured per product, market, and partner model.
- Physical and virtual card issuance
- Consumer and business card programs
- AI-agent and scoped-purpose cards
- Card creation and activation
- PIN and credential management
- Card freeze and unfreeze controls
- Spending and merchant-category limits
- Country and channel restrictions
- Recurring-payment controls
- Network tokenization
- Apple Pay and Google Pay readiness
- Authorization and lifecycle event handling
- Card settlement and reconciliation
- Processor and issuer abstraction
How Cards Core Works
The same sequence underneath every product that uses this Core.
Create
A card is created against a product program, account, and cardholder model — physical, virtual, business, or scoped-purpose.
Provision
Credentials, PIN, and network tokenization are prepared, including readiness for Apple Pay and Google Pay provisioning.
Authorize
Authorization events are handled in real time against balances, program rules, and Risk Shield evaluation.
Control
Freeze, limits, merchant categories, countries, channels, and recurring-payment permissions are applied per card.
Settle
Clearing, settlement, disputes, and reconciliation are normalized back into one internal card ledger.
Where This Core Is Used
Product categories this Core is designed to support. Availability depends on the product, jurisdiction, and selected partners.
- Consumer debit cards
- Business expense cards
- Youth cards
- Creator cards
- Virtual cards
- Subscription cards
- Travel cards
- AI-agent cards
Designed To Work With The Other Cores
Cards Core is built to be combined. Each connection below is a reusable relationship, not a bespoke integration.
Designed For Products Like These
Cards Core is intended to be reusable across the FinDech portfolio. The brands below are the products this Core is designed for — not a statement that each one currently uses it.
- MONOBANK
- Woney
- Yogl
- Clawr
- Paym
Partner And Regulatory Boundary
Where FinDech Stops And Partners Begin
FinDech does not issue cards. Card programs are designed to integrate with appropriately authorized issuers and processing partners. FinDech develops the technology and infrastructure used to connect products with those partners.
Other Cores
Build From The Core
Partner with FinDech to develop financial products using reusable infrastructure across crypto, cards, banking, payments, deals, investing, and risk protection.