What FinLink, Inc. does

Mbanq is a private Banking-as-a-Service and core banking infrastructure provider operating a proprietary, cloud-native platform that combines a core ledger, compliance framework, payment orchestration, and product layer in a single integrated system. The company sells primarily to regulated financial institutions (banks, credit unions, challenger banks) under its Nebula core banking product and to fintechs, neobanks, and platforms under its Mbanq Cloud BaaS offering, with deployed examples including Sagicor Bank Barbados (Caribbean digital bank) and B9 (US neobank for underbanked communities). Revenue is generated through platform licensing, managed services, compliance and operations support, payment processing, and card issuance, delivered under a single agreement that covers 14 in-house managed services.

The product suite extends beyond core banking into adjacent modules: Eclipse for card issuing, Comet for AI-driven lending, Mbanq Pay for multi-rail payment orchestration across SWIFT, SEPA, Visa, Mastercard, Fedwire, GPS, InstaRem, RippleNet, Euronet, and IBM World Wire, plus emerging offerings in fiat-backed stablecoin infrastructure, Earned Wage Access, and a white-label Financial Fan-Ecosystem for sports and creator communities. Go-to-market is exclusively direct enterprise sales with a consultative, no-pitch-deck motion, supplemented by the Mbanq Labs accelerator program run in partnership with IBM and AWS. Mbanq operates the infrastructure post go-live alongside clients, which it positions as a structural advantage over BaaS providers that resell third-party cores. Geographic footprint spans Europe, the Middle East, and North America, with a UK operations center established in Bradford alongside the Mbanq Valley Parade stadium naming rights partnership with Bradford City AFC announced in July 2026.

Name

FinLink, Inc.

Legal name

Mbanq (legal name not explicitly stated in source materials)

Website

https://mbanq.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Mbanq provides proprietary, cloud-native core banking and Banking-as-a-Service infrastructure (Nebula, Mbanq Cloud, Eclipse, Comet, Mbanq Pay, stablecoin rails) to regulated banks, fintechs, neobanks, and platforms, operating the platform and 14 managed services post go-live.

Ownership category

akta.pro rank

Product category

Banking-as-a-Service Infrastructure

NAICS

Other Activities Related to Credit Intermediation (522390), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)

Keywords

• Banking-as-a-service platform
• Core banking infrastructure
• Payment orchestration rails
• Card issuing infrastructure
• AI-driven lending system

Headquarters

HQ city

Healdsburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform and Infrastructure Licensing / Managed Services: Mbanq provides a fully managed, cloud-native BaaS platform combining core banking infrastructure, compliance operations, payment processing, and managed services. Revenue is derived from licensing the platform and providing ongoing managed services. The company describes its model as combining technology, compliance, payments, support, and managed services in one agreement. Mbanq operates the infrastructure post go-live alongside clients.
2. Managed Operational Services: Fourteen managed services delivered by Mbanq's in-house experts including compliance management, dispute resolution, payment processing, lending infrastructure, data intelligence, marketing support, and client enablement. Services are available as modular components or fully managed programs.
3. Compliance, KYC/AML, and Regulatory Services: Policy design, KYC onboarding, AML monitoring, regulatory reporting, and audit preparation provided as managed services within the platform.
4. Lending and Credit Program Management: White-label credit cards, loans, and credit lines delivered through compliance, underwriting, servicing, and collections managed services.
5. Customer Contact Center Services: 24/7 multilingual contact center services across voice, chat, email, and messaging channels, including agents, automation, quality assurance, and workforce management.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

Mbanq provides a proprietary, cloud-native Banking-as-a-Service (BaaS) and core banking platform combining ledger infrastructure, compliance framework, payment orchestration, card issuing, AI-driven lending, stablecoin capabilities, and 14 in-house managed services (compliance, payments, lending, contact center, data intelligence) under a single agreement. The platform is operated by Mbanq post go-live alongside clients, serving banks, credit unions, fintechs, neobanks, and platforms that need to launch or modernize regulated financial products without assembling multiple third-party vendors.

Product overview

Mbanq is a financial infrastructure platform providing modern infrastructure for digital finance through a platform-plus-modules architecture. The flagship offerings are Nebula (enterprise core banking system) and Mbanq Cloud (full-stack BaaS infrastructure), both built on proprietary cloud-native technology. These core platforms are complemented by specialized modules including Eclipse (card issuing), Comet (AI-driven lending), Mbanq Pay (payment rails), Earned Wage Access (EWA), Stablecoin Infrastructure, and Financial Fan-Ecosystem. The platform is operated and managed by Mbanq, providing banks, fintechs, and platforms with core banking, payments, compliance, and fully managed programs. Operational services including compliance management, contact center support, and data analytics are delivered as integrated managed services.

Differentiator

Problem solved

Functional benefit

Brands

• Nebula: Enterprise core banking system for regulated financial institutions. Cloud-native, fully managed core banking platform for banks and credit unions.
• Mbanq Cloud
• Eclipse
• Comet
• Mbanq Pay
• Mbanq Stablecoin Infrastructure
• Earned Wage Access (EWA)
• Financial Fan-Ecosystem

Products and services

• Nebula Core Banking System Enterprise core banking system serving as the system of record for accounts, balances, and transactions. Built for institutions that need precise control over every layer of banking infrastructure including account structures, ledger logic, transaction processing, product configuration, multi-currency, and multi-product through sub-ledger architecture.
• Mbanq Cloud Cloud-based full-stack BaaS (Banking-as-a-Service) platform providing the full operating layer required to run a financial product including compliance, KYC/AML, account infrastructure, payments, and operational systems. Offers REST and GraphQL APIs, an evaluation environment for testing, and white-label-ready web and mobile banking applications for fintech platforms and neobanks.
• Eclipse Card Issuing Card issuing infrastructure providing the technology for card issuance, controls, and program management. Executes issuance, authorization controls, lifecycle management, and servicing for debit, credit, prepaid, and virtual card programs, and can sit on top of existing core banking infrastructure without requiring replacement.
• Comet Lending AI-driven lending system providing automated decisioning, onboarding, and servicing. Single execution layer for the full lending lifecycle from application through repayment, powered by AI-driven risk assessment, compliance automation, and embeddable credit workflows.
• Mbanq Pay Payment infrastructure providing banks, fintechs, and businesses with payment infrastructure for domestic and international money movement. Complete payment stack including origination, processing, risk management, and compliance through a unified API, with multi-rail routing across SWIFT, SEPA, Visa, Mastercard, Fedwire, GPS, InstaRem, RippleNet, Euronet, and IBM World Wire.
• Earned Wage Access (EWA) Payroll-linked capability enabling employees to access wages they have already earned before scheduled pay dates. Features policy-governed eligibility, limits, and access frequency, plus automated payroll reconciliation without changes to payroll schedules or employer funding, offered as a white-label enterprise benefit.
• Stablecoin Infrastructure Fiat-backed stablecoin capabilities integrated into core banking and payment infrastructure. Stablecoin balances, transfers, and lifecycle workflows managed within core ledger, payment, treasury, and compliance systems, with dual-ledger fiat/stablecoin architecture, mint/burn support, jurisdiction-aware policy enforcement, and continuous chain-to-core reconciliation.
• Financial Fan-Ecosystem White-label technology stack and compliance infrastructure for creators, sports clubs, and consumer brands to design and manage embedded finance platforms. Includes branded digital wallets, payment cards, loyalty rewards, tokenized engagement, and integrated merchandise and content commerce.
• Compliance and Regulatory Services End-to-end compliance and regulatory services including policy design, KYC onboarding, AML monitoring, reporting, audit preparation, and license acquisition managed by in-house experts. Available as modular components or fully managed programs.
• Lending and Credit Program Services Lending infrastructure and credit program management including white-label credit cards, loans, and credit lines delivered through compliance, underwriting, servicing, and collections managed services.
• Customer Contact Center Services 24/7 multilingual contact center services across voice, chat, email, messaging, and social media channels, including agents, automation, quality assurance, and workforce management for financial programs.
• Data and Insights Services AI-powered analytics and insights applied to customer and operational data including machine learning models, behavioral analytics, real-time dashboards, predictive analytics, fraud detection, and risk scoring, delivered as a managed service within the platform.

Quantifiable outcome

• Stablecoin settlement available continuously, reducing dependence on traditional banking cut-off times and time-zone limitations
• +3 more outcomes

Named customers15 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability6 records

Feature8 records

Partnerships

13 partnerships are on record, tiered flagship, supporting and core.

• Bradford City AFCflagshipStrategic or Co-development Partner · 8 July 2026Long-term stadium naming rights partnership renaming Valley Parade stadium to Mbanq Valley Parade. Described as one of the largest commercial partnerships in Bradford City's history. Mbanq will establish Bradford as the centre of its UK operations while exploring future opportunities to enhance the supporter experience through modern financial infrastructure, subject to applicable regulatory approvals.
• IBMsupportingTechnology or IntegrationIBM is a technology partner within the Mbanq Labs acceleration program. IBM helps startups in the program build products on Mbanq Cloud and extend the capabilities of the platform.
• Amazon Web Services (AWS)supportingTechnology or IntegrationAWS is a technology partner within the Mbanq Labs acceleration program. AWS helps startups in the program build products on Mbanq Cloud and extend the capabilities of the platform through cloud infrastructure.
• SWIFTcoreTechnology or IntegrationSWIFT integration supports global cross-border payment connectivity through one of the world's most widely adopted financial messaging networks. Part of Mbanq Pay's multi-rail payment orchestration.
• VisacoreTechnology or IntegrationCard payment capabilities across multiple currencies through globally recognized payment networks. Mbanq Pay integrates Visa alongside Mastercard, Fedwire, SEPA, GPS, InstaRem, RippleNet, Euronet, and IBM World Wire.
• MastercardcoreTechnology or IntegrationCard payment capabilities across multiple currencies through globally recognized payment networks. Mbanq Pay integrates Mastercard alongside Visa, Fedwire, SEPA, and other rail providers.
• SEPAcoreTechnology or IntegrationEuro-denominated payment infrastructure supporting transfers throughout participating SEPA jurisdictions. Integrated into Mbanq Pay's multi-rail orchestration alongside SWIFT and domestic payment systems.
• FedwirecoreTechnology or IntegrationAccess to real-time domestic wire transfer infrastructure through the Federal Reserve payment network. Integrated into Mbanq Pay for US domestic payment capabilities.
• GPSsupportingTechnology or IntegrationCross-border payment connectivity supporting faster international payment workflows across multiple jurisdictions. Integrated into Mbanq Pay alongside InstaRem and RippleNet.
• InstaRemsupportingTechnology or IntegrationCross-border payment connectivity supporting faster international payment workflows across multiple jurisdictions. Part of Mbanq Pay's international payment network integrations.
• RippleNetsupportingTechnology or IntegrationRippleNet leverages blockchain technology to facilitate international payment connectivity for financial institutions. Integrated into Mbanq Pay's multi-rail orchestration.
• Euronet NetworksupportingTechnology or IntegrationExtends access to ATM and point-of-sale network connectivity across multiple markets. Part of Mbanq Pay's payment network ecosystem.
• IBM World WiresupportingTechnology or IntegrationBlockchain-enabled payment infrastructure supporting international payment workflows across multiple jurisdictions. Integrated into Mbanq Pay alongside RippleNet and traditional rails.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Unit: Unit is a US-based BaaS platform offering embedded banking, lending, and card infrastructure to fintechs and brands. It is a direct competitor to Mbanq Cloud, targeting the same fintech and platform customer base with a similar API-first, white-label model.
• Synctera: Synctera operates a BaaS platform connecting fintechs with sponsor banks for accounts, cards, lending, and compliance. Both companies compete for fintech and neobank clients seeking regulated infrastructure with API-driven access.
• Treasury Prime: Treasury Prime provides an embedded banking platform with sponsor bank integrations, accounts, payments, and compliance APIs. It is a direct competitor to Mbanq in providing regulated infrastructure to fintechs and platforms.
• Banked: Banked is a BaaS/payments network connecting banks, fintechs, and merchants via a single API. It is comparable to Mbanq Cloud in providing payment orchestration and account infrastructure to fintechs and platforms.
• Thought Machine: Thought Machine offers Vault, a cloud-native core banking platform built for banks and fintechs. It is a direct competitor to Mbanq's Nebula core banking, especially for legacy core replacement at mid-tier and challenger banks.

Broad incumbents

• Galileo Financial Technologies: Galileo (a SoFi company) is a large-scale payments and card issuing platform serving fintechs and banks globally. It competes with Mbanq's card issuing (Eclipse) and payment orchestration (Mbanq Pay) capabilities and has a much larger enterprise client footprint.
• Marqeta: Marqeta is a public card issuing and processing platform serving fintechs and brands. It overlaps with Mbanq's Eclipse card issuing business and broader BaaS layer, but with a more focused scope on card programs.
• Stripe Treasury: Stripe Treasury is a large-scale embedded banking service that allows platforms to offer bank accounts. While part of Stripe's broader payments ecosystem, it competes directly with Mbanq Cloud for platform-embedded financial services deals.
• Finastra: Finastra is a major incumbent financial software vendor offering core banking, lending, and treasury solutions to banks globally. It competes with Mbanq's Nebula core banking platform for core modernization deals at regulated institutions.

Regional players

• Solaris SE: Solaris is a European Banking-as-a-Service platform with a full banking license, offering accounts, cards, lending, and Identity services. It is a strong regional peer to Mbanq in the European market, especially relevant given Mbanq's UK push.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Mbanqcom

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FinLink, Inc.