Launching a branded card program in 8 weeks

Karia had a clear vision: a consumer-facing prepaid card product that would allow their users to load, spend, and manage funds through a sleek mobile app. They needed Mastercard network access, Apple Pay and Google Pay tokenisation, real-time transaction notifications, and a branded experience with zero third-party branding visible to end users.

The traditional approach would require separate integrations with a card processor, a wallet provider, a KYC vendor, and a mobile app development team. This patchwork would take 12-18 months and require a team of 15-20 engineers. Karia had neither the time nor the budget for that approach.

Karia chose Kobble for its composable, API-first architecture that allowed them to integrate cards, wallets, compliance, and a white-label mobile app through a single API integration. The modular approach meant they could launch with the exact features they needed and expand over time.

Karia went from signing with Kobble to processing their first live transaction in 8 weeks. They achieved 99.99% platform uptime, and the average API response time of under 500ms enabled the real-time experience their users expected.

By building on Kobble, Karia avoided an estimated $2-3M in infrastructure development costs and reduced their engineering team requirement from 15-20 to just 4 developers focused on their unique product features.