Financial infrastructure for every use case
Whether you are launching a neobank, embedding finance into your platform, or managing complex payment flows, Kobble provides the building blocks.
Neobanks & Challenger Banks
Launch a fully featured digital bank with card issuing, wallets, payments, and compliance. Skip the multi-year infrastructure build.
BIN Sponsorship
Launch your card program without becoming a bank. Scheme access, card issuing, and program management under our regulatory umbrella.
Card Issuing
Launch a branded Mastercard prepaid or debit card program for any use case — corporate expense, rewards, salary packaging, or consumer prepaid.
Embedded Finance
Add banking, payments, or card features to your existing platform. Embed financial services where your customers already are.
Expense Management
Issue expense cards, set per-employee limits, control merchant categories, and automate reconciliation for organisations of any size.
Employee Benefits & Rewards
Power employee benefits, rewards, and incentives with branded cards and digital wallets. One platform for benefits that employees use.
Payroll Cards
Payroll on a card — instant wage access, contractor payouts, and gig economy disbursements. Real-time funding via API.
Insurance Disbursement
Disburse claims, benefits, and payouts via cards and wallets. Real-time funding, full audit trails, compliance built in.
Travel Cards
Travel cards, crew disbursements, and expense management for airlines, hotels, and travel platforms. Real-time controls and multi-currency.
Gift Cards & Incentives
Power gift card programs for retailers, brands, and incentives — physical and virtual, B2B and B2C. Full program management via API.
Fuel & Fleet Cards
Issue fuel and fleet cards with merchant controls, driver limits, and real-time spend visibility. One platform for fleet expense management.
Government Payments & Benefits
Disburse government benefits, grants, and payments via cards and wallets. Audit-ready, compliant, built for public sector.
Treasury & Cash Management
Multi-entity ledger, virtual accounts, and multi-rail payments for treasury and cash management. Real-time visibility and control via API.
Single-Use Virtual Cards
Issue single-use virtual cards for secure B2B payments, procurement, and subscription management. Create, spend, and close via API.
Compliance
KYC/KYB, AI-powered transaction monitoring, and AUSTRAC reporting as a standalone product — no need to take the full platform.
Marketplaces & Platforms
Manage complex money flows with escrow wallets, split payments, seller payouts, and real-time reconciliation.
Loyalty & Rewards
Create stored-value cards, loyalty wallets, and reward programs with real-time issuance, redemption, and analytics.
White-Label Banking App
Launch a fully branded mobile banking app for iOS and Android in weeks. Your brand, your UX, connected to Kobble's full backend.
Don't see your use case?
Our team works with you to architect a tailored solution. From scoping to production, we're alongside you every step.