Sthira Embedded Banking

Powering Financial Innovation Inside Digital Platforms

Sthira Embedded Banking brings banking functionality into non-financial platforms—enabling seamless, native access to payments, lending, accounts, insurance, and investments. It transforms any digital product into a financial hub, unlocking new business models and improving customer experience.

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Sthira Embedded Banking enables businesses to integrate financial services directly into their digital platforms, creating seamless experiences for customers while unlocking new revenue streams. Our comprehensive solution covers payments, lending, accounts, insurance, investments, rewards, and expense management.

📦 Key Use Cases & Diagrams

Discover how Sthira Embedded Banking can transform your digital platform with our comprehensive suite of financial solutions.

1

Embedded Payments

Use Case: Online retailers accept payments natively without redirecting users.

Sthira Solution:

Unified payment gateway supporting UPI, cards, wallets.

[User Checkout] ↓ [Embedded Payment Form (via Sthira API)] ↓ [Payment Processor / Bank] ↓ [Success Confirmation]
2

Embedded Lending

Use Case: Platforms offer credit options like BNPL or business loans.

Sthira Solution:

Credit decisioning + disbursement via a single API.

[Customer Profile + Purchase Intent] ↓ [Sthira Lending Engine] ↓ Credit Check → Approval ↓ [Loan Disbursement → Embedded Account]
3

Embedded Banking Accounts

Use Case: Gig platforms offer drivers or sellers digital bank accounts.

Sthira Solution:

Digital KYC, virtual account issuance, card linking.

[Platform UI] → [Sthira KYC API] ↓ [Account Created Instantly] ↓ [Linked to Debit Card + Payout Engine]
4

Embedded Insurance

Use Case: Travel, health, or logistics apps embed insurance checkout.

Sthira Solution:

API-led insurance quote, bind, and claims.

[User Action: Booking/Checkout] ↓ [Insurance Options Fetched via Sthira] ↓ [Instant Quote → Bind Policy → Digital Certificate]
5

Embedded Investment Products

Use Case: Finance apps offer micro-investing or ETFs.

Sthira Solution:

Real-time investing engine with KYC and compliance.

[User App] → [Sthira Investment API] ↓ [Brokerage Integration] ↓ [Portfolio Allocation + Order Execution]
6

Embedded Rewards & Loyalty

Use Case: Merchants issue branded cards or point schemes.

Sthira Solution:

White-label rewards engine and card issuing.

[Customer Purchase] → [Points Earned] ↓ [Track + Redeem via App Wallet] ↓ [Insights via Sthira Analytics]
7

Embedded Expense Management

Use Case: SaaS or HR platforms automate employee expenses.

Sthira Solution:

Smart expense tools tied to embedded cards/accounts.

[Spend → Upload Receipt] ↓ [Auto Categorize + Compliance Checks] ↓ [Manager Approves → Reimbursement Issued]

✅ Business Benefits of Sthira Embedded Banking

Discover how our embedded banking solutions can transform your business

🔁

Customer Loyalty & Retention

  • Build deeper user relationships with contextual financial services
  • E.g., instant payouts, loyalty wallets, or buy-now-pay-later at checkout
💰

New Revenue Streams

  • Monetize financial activity: interest spreads, interchange fees, commissions
⚙️

Operational Efficiency

  • Automate payment flows, expense handling, and reconciliation
📊

Advanced Analytics

  • Gain behavioral insights from financial usage patterns
🌍

Improved User Experience

  • Keep users inside your app or platform. No redirects = lower friction
🛡️

Regulatory Compliance Built-in

  • Sthira handles KYC, AML, PCI DSS, and local banking regulations
🧩

Customizable & Modular

  • Use only what fits your use case—payments, lending, cards, or all

🌟 Why Choose Sthira Embedded Banking?

🔐 Security-First Design Bank-grade security with end-to-end encryption and secure API gateways
⚙️ Modular Integration Easily plug into existing systems with our flexible API architecture
📱 Developer-Friendly Comprehensive documentation, SDKs, and sandbox environment
🔄 Scalable Infrastructure Built for high-volume transactions with 99.9% uptime SLA
✅ Regulatory Ready Compliance with global financial regulations and standards

Embedded Banking Architecture

API Management architecture