NymCard

Embed credit into every payment flow.

Launch BNPL, installment, revolving credit, and working capital programs on nCore. You retain the lending relationship; NymCard provides the infrastructure.

Talk to usRead the docs

Embed credit where your customers already transact.

Four ways embedded credit changes your payment flows.

New revenue lines

Earn interest, interchange, and fee income from credit programs added to your existing customer base.

Higher conversion

Offer BNPL and installment options at checkout to lift basket size and close more sales.

Stronger retention

Keep customers transacting on your products with card-linked credit and revolving lines.

Faster time to market

Launch credit programs on infrastructure already built for scale.

Configure every stage of credit.

Origination, decisioning, disbursement, collections, and repayment on one platform.

Revolving

Card-linked credit

Embed a revolving line in the card itself — draw, spend, and repay in one flow.

Credit detailCard-linked
Credit line
$7,800
Available · of $12,000 limit
35% used
Pay in fullPay minimumInstallments

Onboarding

Origination

KYC, KYB, and digital onboarding, handled through one API.

Applicant flow1.9s
Identity verifiedKYC · KYB
Income verifiedOpen banking
ApprovedAccount opened

Underwriting

Decisioning

Score against bureaus, open banking, or your own model in real time.

Decision rulesReal-time
BureauOpen bankingScoring model
742
Score · threshold 720
Approve

Payout

Disbursement

Pay out to a card, account, or wallet in the same session.

Funds outInstant
$4,200
Funds routing to destination
Card
Account
Wallet

Servicing

Collections

Automate billing cycles, repayments, and early delinquency intervention.

Servicing runAuto-dunning
On track
Day 15 of 30 · auto-debit on
C1
C2
C3
C4
C5
C6

Structures

Repayment structures

Conventional interest, flat fee, or reducing balance — priced per program.

Repayment structurePer program
Reducing balanceConventionalFlat fee
PrincipalInterest6 periods

Configure underwriting rules through the API.

Connect to credit bureaus, open banking data, or your own scoring model. Adjust limits, pricing, and approval logic by segment and product.

Read the underwriting docs →
{  "segment": "consumer",  "credit_structure": "revolving",  "scoring_model": "partner_internal_v2",  "data_sources": ["bureau", "open_banking", "transaction_history"],  "credit_limit_range": [500, 25000],  "approval_threshold": 720,  "pricing_tier": "risk_based"}
Applicant A
768
score · $14,000 limit
Approved
Applicant B
612
score · below threshold
Declined
Applicant C
704
score · thin file
Manual review

Credit programs for every industry.

Consumer banking

Revolving credit, installment plans, and credit cards on one platform.

See consumer banking
Commercial banking

Working capital, invoice financing, and SME credit lines that scale.

See commercial banking
Fintechs

Launch BNPL, installment, and digital-first credit products.

See fintechs
Retail and marketplaces

BNPL and installment options at checkout to lift basket size.

See retail
Telecoms

Device financing and consumer installment plans inside your customer relationship.

See telecoms
Healthcare

Patient financing embedded at the point of care.

See healthcare

Deploy in the cloud, on-soil, or on-premise.

NymCard is deployment-agnostic by design. nCore is built on cloud-native architecture but isn't bound to the cloud — the same platform runs in the cloud, on-soil, or fully on-premise, configured to your regulatory and data-residency requirements.

Cloud

Multi-region, NymCard-hosted, fully managed.

On-soil

Hosted by NymCard inside your country, meeting in-country data residency.

On-premise

Run inside your own data center, fully self-hosted.

Migrate from legacy infrastructure with agentic AI.

Discovery, mapping, configuration, parallel run, and cutover — handled by AI agents alongside your team. Existing lending portfolios, books, and credit programs all supported.

Discovery

Inventory

Mapping

Field by field

Configuration

Rules & limits

Parallel run

Dual validation

Cutover

Live on nCore

Common questions.

Talk to us.

Launch BNPL, installment, revolving credit, and working capital programs on infrastructure built to scale.

Talk to usRead the docs

Keep exploring

Cards

Issue debit, credit, and prepaid cards on the same nCore platform behind your credit programs.

See Cards
Money Movement

Disburse loans and move repayments across domestic rails, cross-border, and FX — on one platform.

See Money Movement