What exactly is Kelvane, and who is it built for?
Kelvane is a licensed banking-infrastructure layer that software teams embed inside their own products. Rather than negotiating with a sponsor institution and writing a ledger from scratch, you call one set of APIs to open accounts, move money, issue cards and reconcile balances — while we carry the plumbing, the settlement rails and the audit trail underneath.
How much engineering time does an integration really take?
Most teams have a funded sandbox account moving test payments on day one, and a production pilot inside six weeks. The heavier work is usually policy review, not code.
Which kinds of companies get the most out of the platform?
Marketplaces holding funds between two parties, payroll and benefits platforms, logistics operators paying drivers, and vertical software vendors adding a wallet to an existing workflow.
What financial primitives ship in the core product?
Named accounts, a double-entry ledger, domestic and cross-border transfers, virtual and physical card issuing, direct debits, yield sweeps and a reconciliation export.
How do you handle regulation, security and data residency?
We run an annual SOC 2 Type II audit, encrypt cardholder data to PCI DSS scope, and keep customer records in the region where the account was opened. Partner institutions hold the underlying licences.
Can the ledger and the card program be customised?
Yes — account hierarchies, spend rules, fee schedules, statement branding and webhook payloads are all configurable per program without a bespoke deployment.
Do you support programs that operate in several countries?
Multi-entity programs run on one contract with per-market partner banks behind a single API surface, so a balance opened in one market settles against the right local rail.
What does the onboarding path look like from first call?
A scoping session, a sandbox key the same week, a compliance questionnaire, then a staged production rollout with volume limits that lift as your controls mature.
Is there hands-on support once we are live?
Every production program gets a shared channel with a solutions engineer, a 15-minute response target on payment incidents, and a named contact for partner-bank escalations.
How is the platform priced as volume grows?
A monthly platform fee plus per-transaction pricing that steps down at 240,000 and 1.4 million monthly events. Sandbox use and the first 2,500 test accounts are free.
Can we talk to teams already running on your rails?
We can introduce you to two or three programs of a similar shape once a scoping call is done, and the customer stories page carries written write-ups in the meantime.