Questions, answered up front

An embedded-finance platform. Banks, credit unions, fintechs and employers offer our eight consumer products — pay over time, earned wage access, a car-secured credit line, travel installments, rent reporting, bill rewards, and identity and privacy protection — under their own brand, by API, white-label portal or hosted link.

Any institution that wants to give customers more ways to pay, borrow, build credit and stay protected without building lending and servicing from scratch.

A hosted link in days, white-label in weeks, and the API on your own timeline. Products and data carry over if you change models later.

Never on Pay in 3. Any program fee is shown before a customer accepts a plan.

Any subset of the eight. Start with one and add the rest from a setting, not a new integration.

Oyaka handles servicing, reminders, complaints and adverse-action notices — all under your brand.

Depending on the product and state, Oyaka or a bank partner. We hold the licenses and partnerships each product needs and set this in your order form.

TLS in transit, AES-256 at rest, field-level encryption for account numbers, partner-isolated data and immutable audit trails. See the Security page.

Yes — identity verification, OFAC screening on every customer, and risk limits you control.

Customers, decisions, plans, products and webhooks, versioned at /v1, with a full sandbox and typed SDKs.

A platform fee by integration model, then per-product pricing: revenue share on credit products, a margin on subscriptions. See Pricing.

Yes. Grab sandbox keys and build against test data before any contract.