Regulated banking infrastructure

The bank you can build on

Launch accounts, payments, and card programmes on dependable rails—without stitching together a maze of providers.

Talk to our team Explore the platformBuilt in London · serving Europe
Chosen by teams building the next financial layer
Copperlane
April & Co.
Tern
Morrow
Wayfare
Ledgerly

Banking infrastructure built to evolve

Our own core banking system and direct payment connectivity give your product room to grow—without costly migrations or brittle workarounds.

01 / DEFINE

Differentiate

Create financial products on configurable foundations, with product controls that adapt to your model.

Account logicConfigurable ledger
02 / CONNECT

Integrate

Use precise APIs and practical tooling to move from a first sandbox call to production with confidence.

One API surfaceEvent webhooks
03 / EXPAND

Power

Scale volumes and add new capabilities on infrastructure engineered for consistent performance.

Real-time railsResilient systems
04 / PROTECT

Secure

Protect every account with controls designed into the bank, not layered on as an afterthought.

Risk controlsSafeguarded funds

Purpose-built core

Designed to help you build

Our platform gives product teams the controls and clarity to turn an ambitious financial idea into a durable service.

  • Flexible configuration 01
  • Predictable economics 02
  • Live operational view 03
  • Compliance foundations 04
  • Dedicated support 05

Our products

Mix dependable banking building blocks into a product that feels unmistakably yours.

Platform banking

Embedded bank accountsNamed accounts with own-brand experiences
Savings accountsFlexible balances and interest logic
Safeguarding accountsClear, controlled client-money structures
Client money accountsReconciliation designed into the ledger

Business banking

Business bank accountsOperational accounts for growing firms
VerificationCompany checks with clear outcomes
PaymentsFaster Payments and scheduled transfers
ReportingAuditable events and exports

Powering the future of finance

View all stories
Young startup team, CC0 via Openverse

Why instant settlement is becoming the baseline

How product teams are turning faster clearing into better customer experiences.

Future Leaders Pacific Conference by usembassynewzealand, CC0 via Openverse

Building accounts customers return to

Four operating choices that earn confidence when money is moving.

Consumer Advisory Board meeting by the Consumer Financial Protection Bureau, CC0 via Openverse

Removing the hidden drag from reconciliation

A practical guide to making finance operations legible from day one.

Developer-first

Start coding today

Prototype in the sandbox, then move to production with the same API surface and a team that knows the rails beneath it.

  • Explore the API reference
  • Create a sandbox organisation
  • Configure accounts and controls
  • Receive signed event webhooks
  • Promote your integration with guided review
Open the docs
Create an account · POST /v1/accounts
const account = await cinder.accounts.create({
  owner: "org_7tm31",
  currency: "GBP",
  product: "operating",
  controls: {
    outboundLimit: 18500
  }
});

// status: active

Make it real

Build, launch and scale your financial products on one powerful platform.

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