Mambu vs Mbanq Cloud

Mambu is a cloud-based core banking platform for banks, lenders, fintechs and other financial institutions. Its Mambu Core is composable and supports deposits, consumer and SME lending, buy now pay later, embedded finance, Islamic banking and payments. Mambu Payments connects partner banks and payment schemes, coordinates payment flows and manages operations through one API. Mambu Agentic links AI to core data and supports agents and workflows inside the platform. RESTful APIs, webhooks and streaming APIs connect systems, partners and services. The platform supports greenfield launches, progressive modernisation, dual-core strategies and full migration, with loan management, real-time processing, API access and regulatory reporting. Mambu states a 99.99% uptime SLA for Mambu Core. It describes SOC 1 and SOC 2 reports, an ISO/IEC 27001 information security management system and 24/7 on-call coverage for security or risk incidents. It is available through web and API access. Pricing is on request.

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.