Launch your corporate card and expense control program.
Issuing, processing, and spend controls in one platform — under your brand. Live in 8 to 12 weeks.
The complete corporate card and expense control program, already built — ready for your bank to launch under its brand.
Cifra delivers the three portals (issuer, corporate, cardholder), the issuing logic, the expense control and the rule orchestration — all under the bank's brand. Your bank keeps the customer relationship, the deposits, the interchange and the full program economics. Cifra is the infrastructure; the bank issues and invoices.
We process authorizations in 0.35 ms. A traditional processor takes 1.2 seconds.
Cifra runs on Authrix + Conector Axion — our own processing architecture. Authorizations resolve inside the platform: speed and control in one place.
PCI · Visa · MC · KYC · fiscal.
Traditional card processors.
TIME TO FIRST CARD IN PRODUCTION
Pre-certified
PCI DSS Level 1, Visa Ready and Mastercard certified. Network audit isn't a project phase — it's already done.
Pre-integrated
KYC, AML, fiscal authorities and major ERPs already wired in. The bank's team doesn't build connectors.
Built-in processing
Cifra issues and processes authorizations inside the platform. Speed and control in one system.
Funds stay at the bank
Funds never leave the bank's accounts. Cifra is the operational layer, not the money rail.
The bank's customer doesn't know we exist. That is the product.
Most issuer-platform deals leak the vendor's name somewhere — a portal footer, an SMS sender ID, an email footer, a privacy policy. Cifra is contracted to be invisible. The bank stands alone in front of the relationship — and keeps the customer, the deposits, and the economics.
Money moves in real time. Control hasn't caught up.
In most organizations, spend is decided after the fact: through expense reports, monthly reconciliations, after-the-fact audits. Cifra moves control to the moment of authorization.
Money moves first. Control catches up later.
The rule executes before the money moves.
One architecture for moving and controlling money.
Issuance
Issuance ready to operate at scale.
Physical and virtual cards · named and unnamed · individual or bulk · program profiles · post-issue assignment to people · full lifecycle states.
Dispersion
Mass dispersion without losing control.
Individual top-ups · batch top-ups · inter-account transfers · refunds · reversals · file or API dispersion · per-recipient rule overlays.
Transactional control
Rules execute before the transaction.
MCC · MID · limits · channel · geography · velocity · hierarchy · budget · approval · card/account status.
Operational treasury
One layer to move and control money.
Master account · sub-accounts · balances · top-ups · transfers · movements · exports · reconciliation · settlement.
Governance and audit
Auditable control from origin.
Approvals · roles · permissions · history · states · fiscal export · service orders · reconciliation · full traceability.
What your corporate and government clients will do with Cifra.
Six use cases. One rules engine. Rules inherited from the organization down to the card.
A modern corporate program under the bank's brand.
Physical and virtual cards for employees, with rules inherited from the org: allowed merchants, per-person limits, per-department budget, approval thresholds by amount.
Travel spend controlled before the purchase.
Traveling employees get cards with per-trip rules: allowed merchants, limits, geographies, dates, approval thresholds. No expense reports.
The digital replacement for petty cash.
Department or branch-controlled cards with monthly budget, authorized merchants and automatic reconciliation. Zero cash, zero leakage, auditable evidence.
Operational funds for distributed teams.
Drivers and field operators receive controlled funds for fuel, maintenance, tolls, meals or per-route spend — restricted by MCC and region.
Mass dispersion without losing control.
Commissions, incentives, gig payments, affiliates, insurance claims. One card or account per beneficiary with rules by destination — restricted to workshops, healthcare, hospitality, transport.
Subsidies with verifiable rules.
A public institution disperses funds to thousands of beneficiaries. Each can only spend within approved categories, amounts, time windows and geographies — with traceability for the comptroller.
In production at bank scale.
A government bank in Panama / a ministry of finance — running since 2024.
See full storiesTX / MONTH
ACTIVE CARDS
FEWER INCIDENTS
Banks issue it. Corporates and governments operate it.
Modernize without losing the customer.
The bank issues, disperses and controls under its own brand, with funds in its custody — without handing the relationship to an external fintech.
Financial control before the spend, not after the report.
Cards, budgets, approvals, balances and movements controlled in real time. No reimbursements, no petty cash, no manual reconciliation.
Public programs with traceability from origin.
Funds, per diems, subsidies and operating budgets dispersed with rules by agency, beneficiary, category, location and period — with auditable evidence of every movement.
See the portal under your brand.
30 minutes to understand your program and show you the live portal under whatever brand you choose.