Fintechs

Build an account, payment or IBAN offering faster by relying on an existing regulated infrastructure.

In brief

Tractial provides regulated infrastructure to launch an account, payment or IBAN offering. Three models can be assessed: API or white label, payment-institution agent, or a progressive path. Tractial’s licence is not transferred to the partner.

Creating a financial service involves three heavy workstreams: technology, regulation and operations. Relying on an existing regulated infrastructure lets you test your market and launch your product first, then, if the model justifies it, progressively internalise.

Which model fits your project?

  1. API or white label

    Services remain operated by Tractial. The fintech owns the user experience.

    See the page
  2. Payment institution agent

    The fintech carries out certain activities on behalf of Tractial, under supervision. No licence is transferred.

    See the page
  3. Progressive path

    Start with an integration, then assess agent status if the model justifies it. Each step has its own validations.

This is a teaching aid only. Any implementation requires qualification with our teams.

Three ways to build on Tractial

  • API integration / white label

    Services remain operated by Tractial; the fintech owns the user experience.

    See the page

  • Payment institution agent

    The fintech itself carries out certain payment activities on behalf of Tractial, within a supervised framework.

    See the page

  • Progressive path

    Start with white label, move to agent status, then possibly to your own licence.

From qualification to production

The timeline depends on scope, the application file and compliance duties. No timeframe is guaranteed.

  • Qualification of the model, flows, users and countries
  • Compliance and responsibility analysis
  • Technical integration
  • Pilot then production, if the framework allows

FAQ

Do you need a licence to launch a fintech?

Not necessarily at launch: depending on the model, services can be operated by a licensed institution (white label) or carried out as an agent. Analysing the model determines the appropriate framework.

How long does it take to launch?

The timeline depends on scope, application quality, compliance obligations and technical integration. No standard timeframe can be guaranteed.

Can you migrate from one model to another?

A progressive path (white label → agent → own licence) can be assessed; each step involves its own validations.

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