Solution Brief · Embedded Finance
Embedded finance where the credit is actually yours.
Run both sides of the balance sheet for every partner brand — deposits and credit — on one ledger, under your charter and your controls.
The problem
Most BaaS is a deposit pipe — a checking account and a debit card, reconciled by middleware the bank can’t see into, with credit handed off to someone else’s system. You hold the risk and capture the thinnest slice.
The platform behind it
Fabric
Both sides of the balance sheet, for every brand.
- Deposit program templates that launch in days
- A full embedded credit shelf — cards, BNPL, lines
- Per-partner subledger reconciled to the core GL
- One ledger, your charter, your controls
Requires Nucleus BankOS; embedded credit runs on Foundry (Advanced for BNPL).
Explore FabricHow it fits
It holds together because every Adapfin product runs on one core:
One ledger
Every product posts to the same double-entry GL — no extracts, no second version of the truth.
One customer identity
The same record across deposits, lending, wealth, treasury, digital assets, and embedded brands.
One control environment
RBAC, dual control, and approval chains enforced at the moment of action.
One audit trail
Every action and decision in one immutable record — exam-ready by default.
See it with demo data, or join the founding-partner cohort.