Every card program your CFO can name.
Credit, debit, loyalty, prepaid, travel, per diem, grocery, benefit. Every program runs on one ledger, one API, one governance model. No bolted-on subsystem for HSA or fleet. No second vendor for tax-time receipts. Each program runs the same dual ledger: an authorization side that reconciles to a settlement side, hold for hold. PAN never crosses your stack.
Pre-GA · taking design partners — see what runs today
credit · debit · loyalty · prepaid · travel · per diem · grocery · benefit — one ledger
Credit & charge
revolving · BNPL · CARD-Act
disclosures handled in-ledger
Debit & prepaid
real-time available balance
instant-issue · open & closed loop
Loyalty & co-brand
rules-as-code earn engine
points post <100 ms after settle
Travel & per diem
multi-currency · trip-scoped
off-policy spend declines at swipe
Grocery & fleet
MCC-locked at the network edge
driver / vehicle / fuel controls
Benefit · HSA/FSA/LSA
IIAS / SIGIS auto-substantiation
ineligible items decline at swipe
Network-tokenized to Apple Pay & Google Wallet · real-time authorization · PCI scope stays at the platform edge.