Mbanq Cloud
mbanq.com
What it is
Mbanq Cloud is banking infrastructure for fintech platforms, neobanks, embedded finance products, and software platforms adding financial services. It brings together core banking, regulatory compliance, and operational management, while Mbanq operates the infrastructure and manages the compliance layer alongside a client’s product. Operations and compliance teams have a web Back Office; IT users have a web Console, and bank clients can use a template web banking application. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and users can add third-party services or build extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB tools cover risk assessment, SSN verification, OFAC screening, document checks, and liveness checks. Security measures include multi-factor authentication, maker/checker workflows, configurable password policies, and granular permissions. Pricing is pay as you grow, with infrastructure, support, and operational costs included; no price is listed.
Spec sheet
- What it does
- Mbanq Cloud is a cloud banking-as-a-service platform for fintechs, neobanks, challenger banks and credit unions.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Product
- Mbanq Cloud is a cloud-based banking platform for fintechs and neobanks to launch banking instances and financial products.Read 7 Oct 2026 · mbanq.com
- Intended users
- Mbanq Cloud is described as infrastructure for fintech platforms, embedded finance products, neobanks, and software platforms adding financial services.Read 7 Oct 2026 · mbanq.com
- Integrations
- Mbanq says it partnered with IBM and Amazon Web Services through its Mbanq Labs accelerator program.Read 15 Oct 2026 · mbanq.com
- Mobile apps
- The platform offers white label-ready mobile banking applications for iOS and Android.Read 7 Oct 2026 · mbanq.com
- Security
- The platform lists multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions.Read 7 Oct 2026 · mbanq.com
- Compliance
- Mbanq states that it maintains PCI DSS compliance and employs bank-level security measures.Read 7 Oct 2026 · mbanq.com
- Headquarters
- LinkedIn lists headquarters in Naples, Florida, at 4850 Tamiami Trail North, Unit 301.Read 15 Oct 2026 · linkedin.com
- Accounting
- Accounting includes charts of accounts, journal and closing entries, accounting rules, accruals and provisional entries.Read 15 Oct 2026 · mbanq.com
- Accounts
- Current and savings accounts support lifecycle management, interest calculations and automated charges.Read 15 Oct 2026 · mbanq.com
- API management
- API documentation describes versioning, rate limiting, OAuth 2 authentication, access control and webhooks.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- APIs
- The platform exposes REST and GraphQL APIs covering core banking functions.Read 15 Oct 2026 · mbanq.com
- Authentication
- API authentication uses OAuth 2 bearer tokens, tenant identifiers, JSON payloads and HTTPS requests.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Back Office
- The web Back Office supports operations, compliance monitoring, AML work and customer-service tasks such as replacement-card issuance.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- BBB accreditation
- BBB states that Mbanq is not an accredited business.Read 15 Oct 2026 · bbb.org
- Client management
- Client workflows cover creation, approval, activation, updating, closure, staff assignment and branch transfers.Read 15 Oct 2026 · mbanq.com
- Company founded
- LinkedIn states that Mbanq was founded in 2016.Read 15 Oct 2026 · linkedin.com
- Company founders
- Crunchbase lists Igor Kostyuchenok, Lars Rottweiler and Vladimir Lounegov as founders.Read 15 Oct 2026 · crunchbase.com
- Company legal name
- Crunchbase identifies the legal name as FinLink, Inc., also known as Mbanq.Read 15 Oct 2026 · crunchbase.com
- Company profile
- LinkedIn lists Mbanq as a privately held banking company with 51–200 employees.Read 15 Oct 2026 · linkedin.com
- Core
- The platform provides core banking, regulatory compliance, and operational management.Read 7 Oct 2026 · mbanq.com
- Documentation
- The documentation site provides guides, API references, a changelog link, tutorials and Postman setup instructions.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Extensibility
- Extendable core objects allow custom fields, data structures and business logic, while third-party integrations and custom extensions are supported.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Free evaluation
- LinkedIn states that Mbanq Cloud includes a free evaluation environment for testing ideas.Read 15 Oct 2026 · linkedin.com
- Funding news
- A July 24, 2026 announcement said a Swiss private bank made the first investment in Mbanq's note program, which has capacity up to US$100 million.Read 15 Oct 2026 · mbanq.org
- KYC and KYB
- Risk checks cover addresses, email, phone and devices, with SSN verification, OFAC screening, document verification and liveness checks.Read 15 Oct 2026 · mbanq.com
- Licence
- Mbanq describes its core banking platform as proprietary and operated in-house.Read 15 Oct 2026 · mbanq.com
- Limit: BBB complaint
- BBB records one product-issue complaint in the prior three years involving unauthorized transactions and a dispute over reimbursement.Read 15 Oct 2026 · bbb.org
- Loans
- Loan features include applications, charges, repayments, officer assignment and guarantor management.Read 15 Oct 2026 · mbanq.com
- Mbanq Console
- Mbanq Console is a web interface for IT staff to manage banking instances.Read 15 Oct 2026 · mbanq.com
- News: fan-finance ecosystem
- On June 16, 2025 Mbanq announced a financial fan ecosystem combining wallets, payment cards, loyalty rewards and creator-oriented digital features.Read 15 Oct 2026 · mbanq.org
- Operating model
- Mbanq says it operates the infrastructure and manages the compliance layer alongside the client's product.Read 7 Oct 2026 · mbanq.com
- Partner-bank dependency
- Mbanq Cloud customers contract with a partner bank or other financial institution to provide enabled financial services.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Partnerships
- Mbanq says it has partnered with IBM and Amazon Web Services to support startups in its Mbanq Labs acceleration program.Read 7 Oct 2026 · mbanq.com
- Payment rails
- Listed rails include ACH, Fedwire, SWIFT, RTP, Check 21 and card issuing and acquiring.Read 15 Oct 2026 · mbanq.com
- Platform components
- The product consists of an API platform, back office and white-label self-service applications.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Pricing
- The product page describes pricing as pay as you grow and says IT infrastructure, support, and operational costs are included, without listing a price.Read 7 Oct 2026 · mbanq.com
- Profitability claim
- The same July 2026 announcement says Mbanq has operated profitably since 2019.Read 15 Oct 2026 · mbanq.org
- Rate-limit limitation
- Requests exceeding configured limits are temporarily blocked until the interval resets, although customers can edit or disable limits.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Rating on BBB
- A+ out of A+ from 0 reviewsRead 15 Oct 2026 · bbb.org
- Sandbox
- A sandbox supports API testing, account and transaction simulations, data manipulation, error testing and load testing.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- Sandbox limitation
- The sandbox is for development only, must not process live transactions and must not contain personally identifiable information.Read 15 Oct 2026 · apidocs.cloud.mbanq.com
- SDK
- Mbanq's developer portal advertises an official Node.js payments SDK and an npm package named @mbanq/core-sdk-js.Read 15 Oct 2026 · mbanq.com
- Security and compliance
- Mbanq's 2026 funding announcement lists ISO 27001, ISO 9001, AICPA SOC 2 Type II, PCI DSS and SOX compliance.Read 15 Oct 2026 · mbanq.org
- Security controls
- Security features include multifactor authentication, maker-checker workflows, configurable password policies and granular permissions.Read 15 Oct 2026 · mbanq.com
- Web interfaces
- Mbanq Cloud includes a web-based Back Office for operations and compliance users, a web-based Console for IT users, and a template web banking application for bank clients.Read 7 Oct 2026 · mbanq.com
- White-label apps
- Mbanq offers customizable white-label web and mobile banking applications for customer brands on iOS and Android.Read 15 Oct 2026 · mbanq.com
Plans and prices
Mbanq Cloud Priced on request Pay as you grow; IT infrastructure, support, and operational costs included Pricing is not numerically published · partner-bank or financial-institution contract required Read 15 Oct 2026 · mbanq.com
Strong points and limits
Strong points
- Offers core banking, compliance, and operational management.
- Includes REST and GraphQL APIs.
- Lists ACH, Fedwire, SWIFT, RTP, and card services.
- Provides KYC and KYB checks.
- Supports iOS, Android, API, and web.
Limits
- No price is listed.
- Mbanq operates the infrastructure and compliance layer.
Who it suits
It suits fintechs, neobanks, embedded finance products, and software platforms that want to add banking services. Its web tools distinguish operational, compliance, and IT users.
Verdict
Mbanq Cloud combines banking functions, payment rails, KYC/KYB capabilities, and operational tools in one platform. Pricing is described as pay as you grow, but a specific amount is not provided.
Where Specifiction places it
- Banking-as-a-Service Platforms#3 of 318.5
- Banking Systems#2 of 208.3
