Our modules provide flexibility and scalability


Wallet API

Create a white-label Multi-Currency Wallet with KYC, Bank, Payments, and Digital Currency features.

Card API

Issue a white label or co-branded debit card with the Spend Business platform.


Real accounts, total

Checkless DDA and savings accounts with live routing and account numbers. Full FDIC insurance on every account for USD dollar deposits only held at Evolve Bank & Trust.

Learn more about our accounts feature


Debit cards taken to the
next level

Your company’s branding and maximum design flexibility for virtual and physical cards.

Learn more about our cards feature


Payments, reimagined

Your apps make rapid decisions. Moving money shouldn’t slow you down. Whether you are an automated wealth advisor, a personal lender, or just need to move money, use Spend to remove payment friction and add powerful functionality into your core products.

Learn more about our payments feature

Build a Powerful Application

Spend Business offers affordable and highly customizable banking solutions that allow you to easily launch profitable banking features now and in the future.

Program Management

Let Spend help you launch your next banking or card program with the tools needed to get you into production quickly!

Checking & Saving Accounts

Offer secure banking services through robust DDA, savings, and FBO accounts.

Prepaid, Debit & Credit Cards

Issue virtual or physical debit cards with full transactional potential.

ACH, Wire, SEPA, EFT, & Card Payments

Simplify and improve user bill pay, payments, and more. Build your own

Data & Control

Use our exclusive data as an input into your product ecosystem. Build your own

Digital Assets & Currencies

Create a Digital Wallet for your own coin, smart contract to launch a service, or a combination of payment and account services for your digital currency business.

REST API lets you build for today,
tomorrow, and the future

Code in any language, build on any device, and stay cutting-edge as we evolve our platform to meet tomorrow’s needs.

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See how Spend solves complex challanges

We’ve helped companies of all shapes and sizes solve problems and build the future of money

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Learn more about Spend

See how our clients are empowering the next generation of banking-as-a-service

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Not sure where to start?

Spend is here to help at every step of the way. When you sign up with us your success becomes our priority.

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