A clear, transparent guide to how Artha Fintech’s helps you launch and scale your neobank, Web3 app, or fintech platform.
A banking-as-a-service (BaaS) platform combines software and licensed banking rails so a nonbank can launch regulated financial products accounts, IBANs, payments and cards under its own brand via API, without holding a banking licence. Artha delivers this white-label,powered by licensed BaaS partners.
Your application calls Artha’s APIs to
(1) open a multi-currency account or IBAN through a licensed partner.
(2) fund it via cards, payment rails or stablecoins.
(3) move money in and out and
(4) reconcile everything through a real-time double-entry ledger all under your brand.
Embedded banking places financial services accounts, payments, cards directly inside a non-financial product, such as a marketplace issuing each seller a dedicated IBAN. Artha’s BaaS APIs make embedded banking deployable in weeks instead of months.
No. Artha is infrastructure, not a bank. Regulated functions such as account issuing, IBANs and settlement are delivered through licensed BaaS and sponsor-bank partners (for example OpenPayd), so you inherit compliance without holding your own licence.
No. Artha is infrastructure, not a bank. Regulated functions such as account issuing, IBANs and settlement are delivered through licensed BaaS and sponsor-bank partners (for example OpenPayd), so you inherit compliance without holding your own licence.Yes. You can open multi-currency fiat accounts with full IBAN support where applicable, plusvirtual IBANs for sub-account reconciliation for example, a unique IBAN for each marketplace seller or business customer.
A virtual IBAN is a unique account identifier mapped to a master account that lets you attribute incoming payments automatically. Artha issues virtual IBANs to give your platform cleaner reconciliation and true embedded accounts.
Yes. Unlike most BaaS providers, Artha unifies fiat and crypto on one stack fund accounts with stablecoins, connect custodial wallets, and add fiat on/off ramps, all on a single ledger and compliance layer.
A branded BaaS deployment typically launches in about 3-4 weeks (roughly 10 business days for a standard instance), depending on region and partner onboarding. Enterprise rollouts may follow a phased plan.
Yes. Artha is pre-integrated with 30+ providers, and Enterprise clients can connect their own banking, custody, liquidity or payment partners thanks to the API-first architecture.
Artha uses a one-time setup fee (covering white-label deployment, branding and compliance configuration) plus a monthly subscription that includes your modules, hosting, uptime SLAs and support. See the pricing page for plan tiers.
A white-label crypto wallet is wallet software you launch under your own brand so your users can hold, send and receive crypto, stablecoins and fiat – without you building wallet or custody infrastructure. Artha provides the UI, APIs and institutional custody; you provide the brand.
An MPC (multi-party computation) wallet secures assets by splitting the private key into encrypted shares held by multiple parties, so no single party ever holds the full key. This removes single points of failure and is the custody model used by major exchanges. Artha’s wallets use MPC via Fireblocks, Dfns and Inabit.
Wallet-as-a-service is a managed API that lets any platform embed crypto and fiat wallets without building custody, key management or compliance in-house. You call the API; the provider runs the secure infrastructure. Artha delivers WaaS white-label, with institutional MPC custody.
In a custodial wallet the provider (or its custody partner) manages keys on the user’s behalf; in a non-custodial wallet the user controls their own keys. Artha supports both architectures, so you choose the model that fits your product and regulatory posture.
Integrate Artha’s wallet APIs and SDKs: call the API to create a wallet at onboarding, fund it via cards, bank rails or stablecoins, then enable transfers, QR/P2P payments and spending. Prebuilt white-label UI components for iOS, Android and web cut launch time to weeks.
Fiat currencies (USD, EUR, GBP, SGD and more), major cryptocurrencies (BTC, ETH) and stablecoins (USDC, USDT) in one unified wallet. You choose which assets to enable for your Users.
With MPC custody no single party ever holds a whole key – it is split into shares across the custody provider’s infrastructure (Fireblocks, Dfns, Inabit). In a non-custodial configuration, the end user controls their own key share.
Yes. Custody runs on institutional MPC infrastructure, every transaction is monitored by a builtin AML engine, and the platform aligns with PCI DSS, ISO 27001, SOC 2 and GDPR, with Travel Rule-ready controls.
Yes. Users can send peer-to-peer transfers and pay merchants by scanning a QR code, spending their crypto or stablecoin balance directly from your branded wallet.
Programmable rules let you set transaction limits, auto-sweep balances and define thresholds via API – useful for treasury controls, risk management and automation across user or business wallets.
Those are consumer wallets your users download. Artha is B2B infrastructure: a white-label wallet you launch under your own brand, with institutional custody, fiat support, compliance and APIs – built for platforms, not individual consumers. Artha Fintech – Crypto Wallet Page SEO Repor
A branded wallet typically goes live in weeks using pre-built UI components and pre-integrated custody partners, instead of the months required to build wallet and custody infrastructure from scratch.
Yes. Corporate clients can use secure stablecoin vaults to manage cross-border liquidity,
bypass traditional banking cut-off times and execute instant global payouts.
Yes. Artha supports custodial and non-custodial (self-custody) architectures on one platform, so you can match the model to each product line or jurisdiction.
Artha uses a one-time setup fee plus a monthly subscription covering your modules, hosting, uptime SLAs and support. See the pricing page for plan tiers.
Fintech card solutions enable businesses to issue virtual and physical payment cards connected to digital wallets and financial systems. These solutions support secure transactions, spending controls, and global payment acceptance.
Virtual cards generate digital card credentials for online payments and subscription management. They improve transaction security while helping businesses manage spending, automation, and fraud prevention more efficiently.
White-label card program platforms help businesses launch branded payment cards quickly without building financial infrastructure from scratch. They support faster deployment, customization, compliance management, and scalable payment operations.
Artha Fintech provides scalable card program infrastructure for fintech companies, digital finance platforms, and embedded finance platforms. The platform supports virtual cards, physical cards, transaction monitoring, and API integrations.
Digital payment cards use encryption, tokenization, fraud monitoring, and authentication technologies to protect transactions. Modern card infrastructure also includes real-time risk management and compliance monitoring.
Fintech card platforms are widely used by neobanks, crypto platforms, payroll providers, travel companies, expense management systems, and embedded finance businesses for digital payment services.
A modern card platform should include real-time transaction processing, API integrations, fraud prevention, spending controls, multi-currency support, analytics, and secure onboarding features.
Businesses adopt virtual and prepaid cards because they improve expense management, transaction security, automation, and payment flexibility while supporting digital-first financial operations.
A crypto on-ramp is a service that converts fiat currency – via card, bank transfer or local method – into cryptocurrency or stablecoins. Artha provides white-label on-ramps so your customers move from dollars to USDC or bitcoin inside your branded app.
A crypto off-ramp converts cryptocurrency back into fiat and pays it out to a bank account or card. With Artha, a user sells crypto in your branded interface; the exchange routes to the liquidity network, executes at best price, settles, and the fiat lands via your payment rails.
The FATF Travel Rule requires Virtual Asset Service Providers (VASPs) to share originator and beneficiary information on crypto transfers above a threshold (typically USD/EUR 1,000). Artha’s infrastructure is Travel Rule-ready, with the messaging and screening built in.
Integrate Artha’s on/off-ramp APIs: your users fund via card, bank or local methods, trade in your branded interface, and the exchange executes against aggregated liquidity. Pre-built white-label UI gets you live in about 2 weeks.
Aggregated liquidity from Binance, Kraken, Crypto.com, Finery Markets, Aquanow and Stillman Digital, for best execution with minimal slippage.
A transparent spread model (around 1%) lets you earn on every on-ramp, off-ramp and trade from day one. You set fees, spreads and limits in the admin console – the margin accrues to you, not a third party.
Major cryptocurrencies and stablecoins (BTC, ETH, USDT, USDC) and multiple fiat currencies, with the trading pairs your customers actually want.
Yes – FATF Travel Rule-ready, with AML screening and alignment to MiCA and GDPR, and KYC/KYB onboarding via integrated providers.
A branded on/off ramp or exchange typically goes live in about 2 weeks, using pre-built UI and pre-integrated liquidity, instead of months of backend development.
Post-trade, the user’s wallet is updated in real time – debiting one asset and crediting another with full ledger accuracy. Balances are reusable across your cards, payments and wallet modules.
A widget (an embeddable buy button) lets users buy crypto, but you do not own the interface or the economics. Artha gives you a branded exchange where you control fees, liquidity routing, limits and revenue.
Fees vary by provider and method; widget providers often charge 1-4% per transaction. Artha uses a transparent spread (around 1%) that you control, so the margin accrues to your business.
Fintech and digital finance platforms, Web3 apps and wallets, B2B cross-border platforms, and teams launching a standalone branded crypto exchange.
Yes – convert inbound fiat to USDT or USDC for near-instant, low-cost global settlement, ideal for cross-border B2B flows.
Yes – the exchange module connects to Artha’s wallet, cards, payments and BaaS modules, so balances flow across your entire platform.
A Global Payments Platform enables businesses to send, receive, and manage payments across multiple countries through a unified infrastructure. It supports cross-border payments, payment orchestration, and multi-rail routing across various payment networks.
A Cross-Border Payments API allows businesses to integrate international payment capabilities into their applications. It enables secure payment processing, global settlements, and automated pay-ins and payouts through a single API.
Cross-border payments move funds between parties located in different countries. Transactions are processed through networks such as SWIFT, SEPA, local payment rails, or alternative settlement methods, ensuring secure and compliant global money movement.
Payment orchestration is the process of managing and routing transactions across multiple payment providers, banks, and payment rails through a single platform. It helps improve transaction success rates, reduce costs, and optimize payment performance.
Pay-ins refer to incoming payments received from customers or partners, while payouts are outgoing payments sent to vendors, merchants, employees, or beneficiaries. A modern global payments platform supports both through a unified payment infrastructure.
Multi-rail payment routing allows transactions to be automatically routed through the most efficient payment rail, such as SWIFT, SEPA, local banking networks, or alternative settlement rails, based on cost, speed, and availability.
A payment orchestration platform simplifies payment operations by connecting multiple payment providers through a single integration. It improves reliability, increases transaction success rates, enhances scalability, and provides greater control over payment flows.
SWIFT is a global messaging network used for international bank-to-bank transfers, while SEPA is a European payment framework designed for fast and efficient euro-denominated payments within participating countries
Instant payouts enable businesses to transfer funds to customers, partners, or merchants in near real time. They help improve user experience, accelerate settlements, and support time-sensitive payment operations.
Fintech companies can use a Cross-Border Payments API to launch international payment services faster, automate settlements, support multiple currencies, and provide seamless global payment experiences to their customers.
A payout API enables businesses to automate outbound payments to bank accounts, wallets, merchants, suppliers, or other beneficiaries. It streamlines payment workflows and reduces manual processing.
A B2B payments platform helps businesses send and receive payments securely across domestic and international markets. It supports vendor payments, supplier settlements, invoice payments, and cross-border business transactions.
A global payments platform can reduce costs through intelligent routing, optimized settlement paths, reduced intermediary fees, and access to multiple payment rails that improve efficiency and lower transaction expenses.
Modern global payments platforms typically support SWIFT, SEPA, local payment rails, and other regional banking networks. Multi-rail infrastructure allows businesses to choose the most efficient route for each transaction.
ArthaFintech’s Global Payments Platform enables businesses to manage cross-border payments, payment orchestration, pay-ins, payouts, and multi-rail routing through a single API-driven infrastructure designed for fintechs, PSPs, and global enterprises.
Know Your Customer (KYC) is the process of verifying a customer’s identity before granting access to financial services. KYC helps businesses prevent fraud, comply with regulations, and build trust with customers.
Know Your Business (KYB) is the process of verifying a company’s legal existence, ownership structure, and business information. KYB helps organizations onboard corporate customers while meeting regulatory requirements.
KYC verifies individual customers by validating identity documents and personal information, while KYB verifies businesses by checking registration records, beneficial owners, and company details.
A KYC and KYB platform automates identity verification, document validation, AML screening, sanctions checks, risk assessment, and compliance workflows through APIs and digital onboarding processes.
KYC and KYB solutions are commonly used by digital banks, payment providers, crypto exchanges, remittance businesses, lending platforms, marketplaces, investment firms, and regulated financial service providers.
Yes. ArthaFintech provides a white-label KYC and KYB platform that enables businesses to integrate customer onboarding, identity verification, business verification, AML screening, and compliance workflows under their own brand.
Yes. The platform can support AML screening, sanctions list checks, politically exposed person (PEP) screening, and risk-based compliance monitoring to help businesses meet regulatory requirements.
ArthaFintech’s KYC & KYB platform can integrate with leading identity verification providers such as Sumsub, Persona, and other approved compliance partners. This allows businesses to automate customer onboarding, identity verification, document validation, and risk screening through a single platform.
Yes. ArthaFintech offers API-based integration options that allow businesses to connect KYC, KYB, AML, and onboarding workflows into web applications, mobile apps, and financial platforms.
Implementation timelines depend on project requirements, integrations, and compliance workflows. Many businesses can significantly accelerate onboarding by using a white-label platform instead of building from scratch.
Yes. The platform supports customizable workflows, branding, onboarding journeys, verification rules, and compliance processes based on business requirements.
The platform can support onboarding workflows for businesses operating across multiple regions, subject to applicable regulatory requirements and third-party verification coverage.
A white-label platform reduces development time, lowers implementation costs, simplifies compliance workflows, and allows businesses to focus on growth while leveraging proven onboarding infrastructure.
Yes. Depending on your business requirements, region, and compliance needs, ArthaFintech can support integrations with various verification and compliance providers, including Sumsub, Persona, and other third-party services.
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