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Mbanq Cloud

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What Mbanq Cloud is

Mbanq Cloud is a banking platform for fintechs, neobanks, embedded finance products, and software platforms adding financial services. It provides core banking, compliance, and operational management, with Mbanq operating the infrastructure and managing the compliance layer alongside the client's product. Operations and compliance users get a web Back Office, while IT users get a web Console; a template web banking application is also listed for bank clients. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and users can integrate third-party services or build extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB capabilities include risk assessment, SSN verification, OFAC screening, document verification, and liveness checks. Security features include multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions. Pricing is described as pay as you grow, with infrastructure, support, and operational costs included; no price is listed. Mbanq says it maintains PCI DSS compliance and uses bank-level security measures.

Who it suits

Mbanq Cloud is intended for fintechs, neobanks, embedded finance products, and software platforms that want to add financial services. Its Back Office, IT Console, APIs, and mobile apps address different operational and client-facing needs.

What it does well

Includes core banking and a ledger.
Lists ACH, Fedwire, SWIFT, RTP, and card rails.
Offers REST and GraphQL APIs.
Includes KYC and KYB capabilities.
Infrastructure and operational costs are included in the pay-as-you-grow model.

What to know first

Pricing is on request; no amount is listed.
Mobile apps are listed for iOS and Android only.

Plans

Plan	Billed and limits	Price
Mbanq Cloud	Pay as you grow; IT infrastructure, support, and operational costs included · Pricing is not numerically published · partner-bank or financial-institution contract required	On request

As mbanq.com lists them, read 15 Oct 2026. The maker's own page has the final word.

Getting started

Visit the Mbanq website.
Contact Mbanq to request pricing.
Discuss the pay-as-you-grow plan and included infrastructure, support, and operational costs.
Plan access for web, Android, iOS, or API use.

Verdict

Mbanq Cloud combines banking operations, compliance capabilities, payment rails, and mobile applications in a platform Mbanq operates. Pricing is pay as you grow, but the listed facts do not give a price.

Questions

How much does Mbanq Cloud cost?

Pricing is available on request. Mbanq describes the model as pay as you grow, with IT infrastructure, support, and operational costs included.

What platforms does Mbanq Cloud support?

The listed platforms are web, Android, iOS, and API.

What payment rails are listed?

They include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring.

Does it include KYC and KYB tools?

Yes. Listed capabilities include risk assessment, SSN verification, OFAC screening, document verification, and liveness checks.

Who operates the infrastructure and compliance layer?

Mbanq says it operates the infrastructure and manages the compliance layer alongside the client’s product.

Does Mbanq Cloud offer APIs?

Yes. Its cloud-native core banking system offers REST and GraphQL APIs for access to core banking functions.

Facts from Mbanq Cloud's own pages

Accounting: Accounting includes charts of accounts, journal and closing entries, accounting rules, accruals and provisional entries. · mbanq.com, 15 Oct 2026
Accounts: Current and savings accounts support lifecycle management, interest calculations and automated charges. · mbanq.com, 15 Oct 2026
API management: API documentation describes versioning, rate limiting, OAuth 2 authentication, access control and webhooks. · apidocs.cloud.mbanq.com, 15 Oct 2026
APIs: The platform exposes REST and GraphQL APIs covering core banking functions. · mbanq.com, 15 Oct 2026
Authentication: API authentication uses OAuth 2 bearer tokens, tenant identifiers, JSON payloads and HTTPS requests. · apidocs.cloud.mbanq.com, 15 Oct 2026
Back Office: The web Back Office supports operations, compliance monitoring, AML work and customer-service tasks such as replacement-card issuance. · apidocs.cloud.mbanq.com, 15 Oct 2026
BBB accreditation: BBB states that Mbanq is not an accredited business. · bbb.org, 15 Oct 2026
Client management: Client workflows cover creation, approval, activation, updating, closure, staff assignment and branch transfers. · mbanq.com, 15 Oct 2026
Company founded: LinkedIn states that Mbanq was founded in 2016. · linkedin.com, 15 Oct 2026
Company founders: Crunchbase lists Igor Kostyuchenok, Lars Rottweiler and Vladimir Lounegov as founders. · crunchbase.com, 15 Oct 2026
Company legal name: Crunchbase identifies the legal name as FinLink, Inc., also known as Mbanq. · crunchbase.com, 15 Oct 2026
Company profile: LinkedIn lists Mbanq as a privately held banking company with 51–200 employees. · linkedin.com, 15 Oct 2026
Compliance: Mbanq states that it maintains PCI DSS compliance and employs bank-level security measures. · mbanq.com, 7 Oct 2026
Core: The platform provides core banking, regulatory compliance, and operational management. · mbanq.com, 7 Oct 2026
Documentation: The documentation site provides guides, API references, a changelog link, tutorials and Postman setup instructions. · apidocs.cloud.mbanq.com, 15 Oct 2026
Extensibility: Extendable core objects allow custom fields, data structures and business logic, while third-party integrations and custom extensions are supported. · apidocs.cloud.mbanq.com, 15 Oct 2026
Free evaluation: LinkedIn states that Mbanq Cloud includes a free evaluation environment for testing ideas. · linkedin.com, 15 Oct 2026
Funding news: A July 24, 2026 announcement said a Swiss private bank made the first investment in Mbanq's note program, which has capacity up to US$100 million. · mbanq.org, 15 Oct 2026
Headquarters: LinkedIn lists headquarters in Naples, Florida, at 4850 Tamiami Trail North, Unit 301. · linkedin.com, 15 Oct 2026
Integrations: Mbanq says it partnered with IBM and Amazon Web Services through its Mbanq Labs accelerator program. · mbanq.com, 15 Oct 2026
Intended users: Mbanq Cloud is described as infrastructure for fintech platforms, embedded finance products, neobanks, and software platforms adding financial services. · mbanq.com, 7 Oct 2026
KYC and KYB: Risk checks cover addresses, email, phone and devices, with SSN verification, OFAC screening, document verification and liveness checks. · mbanq.com, 15 Oct 2026
Licence: Mbanq describes its core banking platform as proprietary and operated in-house. · mbanq.com, 15 Oct 2026
Limit: BBB complaint: BBB records one product-issue complaint in the prior three years involving unauthorized transactions and a dispute over reimbursement. · bbb.org, 15 Oct 2026

Where Mbanq Cloud stands on Freedom251

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