Almost every company that has to integrate with the legacy financial institutions faces several challenges when it comes to their product cycle. Not only are the APIs and documentations less available, but they are also old school and ridden with errors and loopholes.
On top of that, the lack of a single point of contact from the underlying institutions, makes the already long integration cycle of 5 months feel like a temple run between different departments. And since those services break and update over time, you can imagine the nightmare in terms of coordination between the tech teams.
We are a full-stack API banking platform where you can come, select your desired modules, play in the sandbox, and launch your product with just a few lines of code in a couple of weeks! Not only that, but we also take care of all upcoming fixes, iterations, and updates without breaking any flow.
Integrate with a single solution and build your own capabilities for loan assessment, processing, and recovery.
Leverage & offer a plethora of financial services offered by the banks & wallets to your consumers and businesses.
Connect to our unique integrated suite plugging into multiple payment channels and systems in the back-end.
Simply create an account using your business email ID with a seamless verification process and select your desired financial modules.
Explore our detailed documentation as well as integrate with your friendly sandbox for all your selected modules, right on day one.
Whenever you are ready with the integrations and want to launch in production, just give us the green signal from your dashboard itself.
We remove the complexity of underlying integrations so that you can create the ideal version of your digital bank with all the desired services.
Automate loan assessment, disbursal, management and repayment workflows using our modules across banking, payments, and data aggregation.
Enable transfers and settlements between consumer accounts on an actual or virtual basis, be it within the same institution or inter-bank or inter-wallet.
Allow your partners or SMEs to distribute money to their vendors, service providers, agents and customers in an automated fashion with just one integration.
Offer instant or scheduled payouts to your gig workforce via any channel to optimise their cash or credit lifecycle for maximum satisfaction.
Facilitate smart and intuitive solutions to make finance management for your consumers or businesses, a truly personalised and enriching experience.
A lending provider can offer their custom form of KYC and AML workflow using one single API / SDK each, that captures the uploaded document and completes the validation in an end to end fashion. After the onboarding is complete, the risk assessment part becomes super easy with just a few API calls to assess the credit score, banking history and much more.
As a final piece of the puzzle, our account aggregation module allows the lending platform to enable the customer to log in to his desired bank account, fetch the information to automatically fill in the account details and even link for auto-debit for this loan
A neo-bank wants to build a truly complete product and hence wants to integrate the majority of the existing financial services in the ecosystem. By aggregating with Decentro, beyond the initial onboarding related modules of KYC and AML, the app can fetch the customers’ bank info to automatically fill in the account details and link for bank transfers seamlessly.
He can even pay digital invoices received inside the app by selecting his desired bank account to pay from. And he also has access to new products such as prepaid cards and wallets powered by this neo-bank or the underlying institution, all within the app.
A marketplace wants to digitize and automate the transaction flow for its regular sales cycle on the channel, including its key participants such as vendors, sellers, distributors and/or agents. The customer/seller can then link the desired financial instrument such as a wallet or bank account within the platform itself without the need for switching apps.
Based on the payment & settlement cycles, intricate transaction scenarios such as scheduled payouts, commission-based payouts, recurring deposits, and more get easily automated.