Australia's Licensed BaaS Platform

Launch financial products in weeks, not years

Cards, accounts, wallets, and payments — all powered by one licensed, API-first platform. Kobble handles the infrastructure, licensing, and compliance, allowing you to focus on your product.

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White-label ready

Live

Kobble AI: Sydney Breakfast

Join us for breakfast to launch Kobble AI

9:00–10:30am AEST, Thursday 23 July · AWS Sydney, 2/26 Park St · Breakfast and coffee provided

For mutual banks, credit unions, non-bank lenders and fintechs. RSVP by Tuesday 21 July — spots are limited.

RSVP now

Trusted by partners and clients across the ecosystem

Traditional Path vs Kobble Path

Why Companies Choose Kobble

Kobble accelerates the transition from concept to market-ready product. By providing everything needed to launch, Kobble allows companies to bypass traditional development complexities and focus on growth.

One-Stop Shop

Single Platform

Single API integration
Battle-tested systems
Production-ready from day one

Traditional Path vs Kobble Path

Why Companies Choose Kobble

One-Stop Shop

Single Platform

Single API integration
Battle-tested systems
Production-ready from day one

Reduced Launch Time

2-4 months

No complex vendor management
Earn revenue faster
Focus resources on your customer

Cost Efficient

Fraction of cost

Launch & test MVP faster
No costly vendor minimums
Focus budget on growth

Strategic Expertise

Ready to Deploy

Industry expertise built-in
Stand on the shoulders of giants
No specialist hiring required

Integrated Licensing & Compliance

Compliance as a Service

AFSL covered
AFCA membership included
AUSTRAC reporting handled

Modular Infrastructure

Pick & Choose

Pick and choose capabilities
Start small, then scale
Variable cost scaling

Advanced AI Intelligence

AI-Powered

Real-time transaction monitoring
AI compliance summaries
Natural language analytics

Platform

Modular infrastructure, infinite possibilities

Eight core modules that work independently or together. Pick what you need, leave what you don't.

Kobble Core

Real-time ledger updates
Immutable audit trail
API-first integration

Explore module

Cards

Prepaid, debit & virtual Mastercard cards
Apple Pay & Google Pay
Push & web provisioning

Explore module

Accounts

BSB & account numbers
Transaction & savings accounts
Multi-currency support

Explore module

Wallets

Stored value & digital wallets
P2P transfers
Apple Pay & Google Pay provisioning

Explore module

Payments

PayID, PayTo & BPAY
Direct entry & NPP
Full Australian rails

Explore module

Security & Compliance

KYC & AI-powered AML
Fraud detection
Automated regulatory reporting

Explore module

White-label App

Coming Soon

Fully branded experience
Your brand, your UX
iOS & Android native

Explore module

Loyalty

Coming Soon

Points, rewards & cashback
Real-time triggers
Native loyalty engine

Explore module

Platform

Modular infrastructure, infinite possibilities

Eight core modules. Swipe to explore.

Kobble Core

Real-time ledger updates
Immutable audit trail
API-first integration

Explore

Cards

Prepaid, debit & virtual Mastercard cards
Apple Pay & Google Pay
Push & web provisioning

Explore

Accounts

BSB & account numbers
Transaction & savings accounts
Multi-currency support

Explore

Wallets

Stored value & digital wallets
P2P transfers
Apple Pay & Google Pay provisioning

Explore

Payments

PayID, PayTo & BPAY
Direct entry & NPP
Full Australian rails

Explore

Security & Compliance

KYC & AI-powered AML
Fraud detection
Automated regulatory reporting

Explore

White-label App

Coming Soon

Fully branded experience
Your brand, your UX
iOS & Android native

Explore

Loyalty

Coming Soon

Points, rewards & cashback
Real-time triggers
Native loyalty engine

Explore

How It Works

Four steps to launch and scale

Choose only the modules you need, integrate, and launch a fully licensed financial product in weeks.

Define Your Product

Share your vision. We map it to the right modules so you start with exactly what you need.

Build Your Stack

Pick the modules you need

Kobble Core

Cards

Accounts

Wallets

Payments

Security & Compliance

White-label App

Loyalty

4 selected

Configure

How It Works

Four steps to launch and scale

Pick the modules you need, integrate via API, and launch a fully licensed financial product in weeks.

Define Your Product

Share your vision. We map it to the right modules so you start with exactly what you need.

Configure & Integrate

We configure modules, connect your systems, and handle licensing and compliance. You focus on building.

Launch in Weeks

Go live with a fully licensed, compliant financial product in as little as 8 weeks from your start date. Not months, not years.

Scale With Confidence

Add modules, expand use cases, and grow on infrastructure that scales with you.

Use Cases

Built for every use case

From neobanks to gift cards, our modular platform powers financial products across every industry.

Proven at Scale

Real products, real results

Real numbers from Australia's most complete BaaS platform

0 Days

Contract to LiveKaria: from signed contract to first products live with a major client

$0M+

Transaction VolumeProcessed securely across the Kobble platform

Week Avg. LaunchFrom integration start to live product

What People Say

Trusted by innovators

“The novated leasing industry has never done embedded finance before. Kobble understood the complexities of our use case immediately and moved incredibly fast to help us implement the solution. At every step, they've been responsive, innovative, and forward-thinking—and most importantly, their platform works seamlessly with our requirements. It's going to be a game changer for the industry.
We signed with Kobble on 4th Feb 2025 and we will have our first products live with Kobble to our large corporate client on 2nd April 2025. That's 42 working days!”

Oskar R.Co-Founder at Karia

Karia

“The novated leasing industry has never done embedded finance before. Kobble understood the complexities of our use case immediately and moved incredibly fast to help us implement the solution. At every step, they've been responsive, innovative, and forward-thinking—and most importantly, their platform works seamlessly with our requirements. It's going to be a game changer for the industry.
We signed with Kobble on 4th Feb 2025 and we will have our first products live with Kobble to our large corporate client on 2nd April 2025. That's 42 working days!”

Oskar R.Co-Founder at Karia

Karia

Get Started

Built for every industry

Whatever industry you operate in, Kobble provides the financial infrastructure to power your products.

Banking & Finance Retail & Ecommerce Travel & Hospitality HR & Payroll Insurance & Health Fintech Automotive & Fleet Education Government & Public Construction & Trade Sports & Entertainment Telco & Energy

Book a Demo Request a Consultation

No commitment required30-minute complementary intro callCustom analysis and strategy