Modernize without losing the customer.
Cifra lets the bank offer issuance, dispersion and financial control under its own brand, with funds in bank custody — without handing the relationship to an external fintech.
Your corporate clients are defecting to fintechs.
Ramp, Brex, Clara, Mendel, Tribal, Jeeves. Every corporate that leaves takes deposits, FX, fees and cross-sell with it. Building it in-house takes 2–3 years; with Cifra, the bank ships its own product in 8–12 weeks, under its brand.
Authorizations resolve inside the platform. That's why Cifra goes live in weeks: there is no integration project to depend on.
Issuing
Processing
Spend controls
One platform — under your brand
Brand
The end customer only sees the bank. Cifra operates underneath.
Deposits
Funds stay in bank accounts. Zero disintermediation.
Time to market
8-12 weeks of implementation vs 2-3 years building internally.
Compliance
PCI-L1, Visa Ready and Mastercard certifications already covered.
Auditability
Every movement is explainable: who authorized it, under what rule, from which account, to which beneficiary.
Modularity
Issuance, dispersion, control and portal individually or as a bundle. The bank picks the scope.
Cifra vs. the three real alternatives.
| INTERNAL BUILD | FINTECH PARTNER | CIFRA | |
|---|---|---|---|
| Time to production | 2-3 years | 3-6 months | 8-12 weeks |
| End-customer brand | Bank | Fintech | Bank |
| Fund custody | Bank | Fintech | Bank |
| Network / PCI certifications | Bank builds them | Fintech | Cifra already has them |
| Local fiscal integrations (CFDI, NF-e, DIAN, SUNAT, AFIP, + per jurisdiction) | Bank integrates | Limited | Included |
| Disintermediation risk | None | High | None |
A government bank in Panama.
497K monthly transactions · 59K active cards · >60% reduction in petty-cash incidents. Continuous operation since 2024 under the issuing bank's brand.