Embedded Payments
Launch wallets, cards, BaaS, and BNPL without rebuilding from scratch.
The business challenge
The problem this solves.
Standing up wallets, cards, BaaS, or BNPL from scratch is expensive, slow, and often results in proprietary lock-in.
Why existing approaches fail
- Proprietary cores mean long-term licensing dependency.
- Rigid payment engines limit product innovation.
- Sharia-compliant payment products add months without native support.
The solution
What CoorB provides.
Modular embedded payment infrastructure — WaaS, CaaS, BaaS, and BNPL — on open-source Fineract, Sharia-compliant and composable.
Key capabilities
Everything you need — in one product.
Wallet-as-a-Service (multi-tenant ledger, tiered limits)
Cards-as-a-Service (virtual & physical, loyalty programs)
Banking-as-a-Service (headless, full API layer)
BNPL Engine (Pay in 4 / Slice It, merchant hub)
API Middleware & Orchestration
Account provisioning & disbursement
Amortization & product configurator
Open-source Fineract core — zero licensing fees
Architecture
Mifos X / Fineract core — REST-first, double-entry GL
Mambu & Tuum compatible · multi-tenant · maker-checker.
01
Product Configurator
02
Mifos X / Fineract Core
03
Sharia Modules (Murabaha · Tawarruq · SAMA calc)
04
Card Processors · Wallets · BaaS Layer
05
API Middleware & Orchestration
Integrations
Connects to what your bank already runs on.
Mifos X / Apache FineractMambuTuumEiger (Tawarruq)PaymentologySTC PayApple Pay
Business outcomes
Outcomes, not slideware.
$0
Licensing fees (open source)
3-in-1
WaaS · CaaS · BaaS
Faster
Product launches
Native
BNPL & Sharia support
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