Issuers & Lending

The loan starts the relationship.
Extend it across your customer's entire financial journey.

You already hold the relationship with your borrowers. But your offering stops where their cross-border activity begins, and that is exactly where a bank steps in and takes the account.

Embed multi-currency accounts, payments, conversions, and FX products into your platform, under your brand. Extend beyond lending, and stay the financial partner your customers do not need a bank for.

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The financial world of a lender

The relationship is yours.
The bank is trying to change that.

The lender's world

The relationship is yours.

Your borrowers already trust you with their credit and financing. You hold the loan file, the repayment schedule, the financial picture — you are inside their business.

The offering stops short.

When customers need to hold currency, pay a supplier abroad, or convert, they leave your platform. That activity is happening on their books today — just not on yours.

The bank steps in.

Every capability you do not offer is a door the bank walks through, and the relationship you built starts to move with them.

The only question is whose platform the activity runs on, and who earns the revenue under it.
What you get, ready to offer

Extend your offering beyond lending. Under your brand.

Each capability is ready to offer to your borrowers, inside your product, on your policy. Not assembled by you. Operated by the layer underneath.

Offer multi-currency accounts.

Let your borrowers hold and receive in dozens of currencies, across 65 currencies, inside your platform. Operated by the layer the moment money lands.

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Move money across borders.

Let them pay suppliers and get paid across 200+ countries, on local rails where they exist. Every payment runs on policy. The right ones clear on their own.

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Convert currency in your platform.

Let them convert across 65 currencies at institutional rates, without leaving your product. Timed and priced by the layer.

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Offer FX protection.

Give your customers protection against the currency exposure their cross-border activity creates, as a product under your brand. Operated the moment the exposure forms.

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Govern it all on one policy.

Every account, payment, and conversion across your customer base, checked against your policy continuously, audit-ready. Not at quarter-end. As it happens.

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What makes it more than infrastructure

The building blocks are the foundation.
Three things make Okoora the layer above them.

Every capability is operated, not just provided. This is the difference between a vendor and an operating layer.

Your Platform

The intelligence layer.

Every capability is operated, not just provided. Priced, protected, moved, and governed on your policy, on its own, across your entire customer base.

The pricing engine.

Every client transaction is priced in real time, on your policy, so the cross-border activity your customers create is captured as your revenue, instead of leaking to a bank.

Smart FX products.

Beyond conversion, give your customers FX protection and smart currency products they can actually use, as new offerings under your brand.

That is the difference between infrastructure that gives you the parts, and a layer that operates them and earns you revenue.

From lending to the full relationship

Extend your offering, and keep the customer the bank is trying to take.

The activity your borrowers already run across borders, holding currency, paying suppliers, converting, protecting, runs inside your platform instead of a bank's. You extend beyond lending without building infrastructure, your customers get a complete financial home, and the relationship you built stays yours.

You compete with the bank for the full financial relationship, without becoming one.
Embed accounts & money flow Embed FX products

And the same stack can run your own finance, across your entities and currencies, on your policy.

Build AI capabilities for your finance
Proven in production

Operated inside lenders and trade finance platforms.
Proven in production.

Live across global banks, fintechs, and enterprises.

Operating today across regulated institutions, lenders, and platforms building on Okoora.

Okoora's intelligence was written by people who operated finance for decades, then built onto advanced AI. You stay the regulated institution. Okoora gives you the capabilities, the pricing, and the products to offer your customers, and operates them underneath.

Recognition

Recognized by

IBS Intelligence Award Europas Europe's 100 Hottest Startups TechRound Top 66 SaaS Best SaaS for FinTech

You started the relationship with a loan. Keep it for everything that comes after.

Accounts, payments, currencies, and FX protection, with an intelligence layer, a pricing engine, and smart FX products, embedded in your platform, operated underneath.

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Extend: add FX capabilities to your existing lending platform | Retain: keep the customer the bank is trying to take
Lending and trade finance, answered

The questions lenders and
trade finance platforms ask us most.

Embed Okoora's accounts, payments, conversions, and FX products into your platform, under your brand. Your borrowers get the capabilities inside your product, and you extend beyond lending without building the infrastructure. The entire operating layer, from account management to FX execution, is provided and operated by Okoora underneath.
By offering that activity inside your own platform. When your borrowers can hold currency, pay abroad, and protect against exposure with you, the bank has no door to step through. The relationship stays on your platform because the complete financial capability is already there.
The pricing engine prices every client transaction in real time, on your policy, so the cross-border activity your customers already generate is captured as your revenue, instead of leaking to a bank. Your spread, your rules, applied to every conversion your customers run, at the moment it happens.
No. Okoora runs above the systems you already operate, connecting to your platform, your rails, and your data, and operates on top of them. Your lending infrastructure, your credit engine, and your core systems remain exactly as they are. Okoora extends what you offer, it does not replace what you run.
You remain the regulated institution. Okoora provides the capabilities and operates them underneath, within your regulatory perimeter. Your customers contract with you. You hold the customer relationship and the regulatory obligations. Okoora is the infrastructure layer, not the regulated party your customers face.
Okoora is built for lenders, issuers, and trade finance platforms that want to extend their offering beyond credit, hold the full customer relationship, and offer modern financial capabilities under their own brand. It is the operating layer that sits between your platform and the financial infrastructure your customers need.