Embedded finance, built responsibly
Oyaka gives banks, credit unions, fintechs and employers a full shelf of consumer financial products to offer under their own brand — the lending, servicing and compliance handled, so they can focus on their customers.
More ways to pay, borrow and build — without more risk for the people using them
Consumers are asked to manage more bills, in more places, than ever. Oyaka lets the institutions they already trust offer modern ways to pay over time, access earned wages, build credit and stay protected — with responsible terms and real servicing behind every one.
How we build
Customer-first terms
No late fees on Pay in 3, clear disclosures on every product, and reminders before each payment.
Compliance by default
Licensing, adverse-action notices, OFAC screening and audit trails built into the platform, not bolted on.
Your brand, always
Every product ships under your name. We're the engine; your customers see you.
Built to scale
One ledger, one API and partner-isolated data, from your first plan to your millionth.
Built by operators from banking, lending and compliance
Our team has shipped regulated financial products at banks, processors and fintechs. We hold the licenses and partnerships each product needs, state by state, and we publish how we handle data and money up front.
At a glance
- Lending licenses and bank partnerships per product and state
- SOC 2 program underway; data encrypted field by field
- Headquartered in Los Angeles, California
- Responsible disclosure at security@oyaka.com
Partner with us
See how your institution can offer the whole suite under its own brand.