Bankly provides a Banking as a Service platform for businesses building financial products such as digital accounts. Available through web access and APIs, it offers more than 30 APIs for connecting financial services to a partner’s system. Its account management API supports opening and operating individual and business payment accounts, including multiple accounts for one customer. Services include Pix, TED transfers, bill payments, and deposit and collection boletos. Bankly also offers issuance, processing, and management of Mastercard-branded cards. It says it is a direct Pix participant with direct access to Brazil’s Central Bank DICT, and is licensed by Brazil’s Central Bank as a Payment Institution with bank code 332. Partners can test integrations in a sandbox; production access follows a homologation process. The developer portal includes manuals, API references with request simulations, and monthly documentation updates. Bankly describes mTLS certificate authentication and personal-data safeguards including access controls, encryption, monitoring, and vulnerability management. The platform serves Brazil. Pricing is available on request, and API credentials are provided after contract closure and a kickoff with its Technical Account Management team.
Who it is for
Bankly is intended for banks, fintechs, startups, e-commerce businesses, acquirers, retailers, and other industries building financial products in Brazil. Partners need their own or a contracted technology team to build the front end and integrate the APIs.
What is good
- More than 30 APIs for financial-service integration.
- Supports individual and business payment accounts.
- Includes Pix, TED, bill payments, and boletos.
- Sandbox available for integration testing.
- Technical Service Desk is available around the clock.
What to know first
- Pricing is available only on request.
- Production access follows a homologation process.
- Partners need a technology team for front-end and integration work.
- Services are listed for Brazil.
Verdict
Bankly offers account, payment, and card capabilities through a partner-integrated platform focused on Brazil. Prospective partners should account for the integration work, homologation, and contract process before planning a launch.
Compared on banking-as-a-service platforms
- Free plan
- No
- Card issuing
- Yes
- Embedded accounts
- Yes
- Payment rails
- card_networks
- KYC/AML tools
- Yes
- Supported regions
- Brazil
