Built so banks don't have to.
Cifra is the complete corporate card program — issuing, processing and spend controls in one platform — that banks would build themselves if they had three years and a platform team. We've already built it; the bank licenses it under its brand.
The problem: financial control arrives too late.
Every organization moving money at scale has the same problem: control lives in reports closed after the spend already happened. Expense reports, monthly reconciliations, late audits, petty-cash leakage, subsidies that can't be proven.
The existing issuing infrastructure — international or local — was designed to move money, not to control it at the moment of authorization. The rules layer always landed on the customer's side, patched together in spreadsheets and policies that live in manuals.
Our job is to invert that relationship: the rule executes before the money moves. The entire system — issuance, processing, dispersion, treasury, governance — is built around that moment. Authorizations resolve inside the platform.
The bank keeps the customer
We're not a fintech competing with banks. We're infrastructure banks operate under their own brand, with funds in their custody.
Preventive control, not reactive
The rule runs before authorization. The audit confirms what already happened under policy.
Regulator-grade traceability
Every movement is explainable to the regulator, the comptroller, the board.
Turnkey
Pre-certified by Visa, Mastercard and PCI DSS Level 1. Issuing, processing and controls included. Pre-integrated to KYC, AML, fiscal and ERP stacks. Live in weeks.
Global certifications. Presence where issuers issue.
Cifra is built network-agnostic and jurisdiction-agnostic. Certifications (PCI DSS Level 1, Visa Ready, Mastercard) are global. Local fiscal, KYC and reporting integrations are added per market as issuers go live.