Decentro vs NymCard
Decentro
decentro.techNymCard
nymcard.comSide by side
| Figure | Decentro | NymCard |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 1 |
| Spec score · Banking-as-a-Service Platforms | 8.1 (#6) | 8.0 (#7) |
| Integration | Decentro provides a test environment and shares test API credentials after onboarding a platform. | NymCard says customers can select the layers they need through one integration, and offers APIs, webhooks, implementation guides, and developer tooling. |
| Integrations | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. | NymCard says its platform connects to existing core banking platforms without requiring their replacement. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | nCore combines card issuing, money movement, settlement, reconciliation, lending, and financial crime capabilities on one payments platform. |
| Security | Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards. | NymCard states that nCore is certified for PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001. |
| Support | The escrow page describes 24x7x365 priority support via email, phone, and Slack. | The site directs prospective customers to contact its team and directs developers to documentation. |
| What it does | Decentro describes itself as a full-stack Banking-as-a-Service platform that lets businesses select financial modules, test them in a sandbox, and launch using APIs and SDKs. | NymCard describes nCore as a payments platform covering card issuing, money movement, settlement, reconciliation, lending, and financial crime. |
Plans
In their own words
Decentro
Decentro is a Banking-as-a-Service platform that provides financial modules through APIs and SDKs. Its global collection service lets businesses accept international payments in local currencies through a unified API, with payment options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies, though available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider.
Other offerings include multi-currency accounts, escrow, and a ledger for transactions and balances. The multi-currency escrow service supports holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices. A web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports.
NymCard
NymCard’s nCore is a payments platform for banks, fintechs, and businesses building financial products. It combines card issuing, money movement, settlement, reconciliation, lending infrastructure, and financial crime capabilities. Card programs can issue debit, credit, or prepaid cards in physical, virtual, or tokenized form, with controls for spending limits, billing cycles, repayment, and installments.
The platform also supports domestic and cross-border payments, foreign exchange, remittances, wallet top-ups, peer-to-peer and merchant payments, bill payments, transfers, and cash in and out. Financial crime features include identity verification, fraud monitoring, risk management, AML and sanctions screening, and issuer-side 3D Secure. NymCard says nCore can connect to existing core banking systems without replacing them, and can run in public cloud, hybrid, on-soil, or fully on-premise deployments. Its APIs, webhooks, implementation guides, and developer tools support integration. Listed platforms include Android, iOS, web, API, and self-hosted. NymCard says nCore holds PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001 certifications. Pricing is on request. Its lending infrastructure supports decisioning, origination, and servicing, but NymCard does not fund loans.