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Mbanq Cloud
LinkedIn lists headquarters in Naples, Florida, at 4850 Tamiami Trail North, Unit 301.
What it is
Mbanq Cloud is a cloud-based banking platform for fintechs, neobanks, embedded finance products, and software platforms adding financial services. It provides core banking, regulatory compliance, and operational management; Mbanq says it operates the infrastructure and manages the compliance layer alongside the client's product. Web tools include a Back Office for operations and compliance users, a Console for IT users, and a template web banking application for bank clients. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and the platform allows third-party integrations and extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB capabilities include risk assessment, SSN verification, OFAC screening, document verification, and liveness checks. Security features include multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions. Mbanq describes pricing as pay as you grow, with infrastructure, support, and operational costs included; no price is listed. The company says it maintains PCI DSS compliance and employs bank-level security measures.
For and against
For
- Includes REST and GraphQL APIs.
- Lists multiple payment rails.
- Offers web tools for operations, compliance, and IT.
- Mobile banking apps are available for iOS and Android.
Against
- Pricing is available on request.
- No price is listed.
- Mbanq operates the infrastructure and compliance layer.
The verdict
Mbanq Cloud brings banking functions, payment rails, compliance tools, and web and mobile interfaces into a managed platform. Pricing requires an inquiry, and organizations should consider the operating arrangement with Mbanq.
Who it suits
Mbanq Cloud may suit fintechs, neobanks, and software platforms adding banking or embedded finance services. It is aimed at organizations that want Mbanq to operate infrastructure and manage the compliance layer alongside their product.
Plans and prices
Mbanq Cloud
Pricing is not numerically published · partner-bank or financial-institution contract required
Read 15 Oct 2026 · mbanq.com
On the record
- Accounting
- Accounting includes charts of accounts, journal and closing entries, accounting rules, accruals and provisional entries.mbanq.com · read 15 Oct 2026
- Accounts
- Current and savings accounts support lifecycle management, interest calculations and automated charges.mbanq.com · read 15 Oct 2026
- API management
- API documentation describes versioning, rate limiting, OAuth 2 authentication, access control and webhooks.apidocs.cloud.mbanq.com · read 15 Oct 2026
- APIs
- The platform exposes REST and GraphQL APIs covering core banking functions.mbanq.com · read 15 Oct 2026
- Authentication
- API authentication uses OAuth 2 bearer tokens, tenant identifiers, JSON payloads and HTTPS requests.apidocs.cloud.mbanq.com · read 15 Oct 2026
- Back Office
- The web Back Office supports operations, compliance monitoring, AML work and customer-service tasks such as replacement-card issuance.apidocs.cloud.mbanq.com · read 15 Oct 2026
- BBB accreditation
- BBB states that Mbanq is not an accredited business.bbb.org · read 15 Oct 2026
- Client management
- Client workflows cover creation, approval, activation, updating, closure, staff assignment and branch transfers.mbanq.com · read 15 Oct 2026
- Company founded
- LinkedIn states that Mbanq was founded in 2016.linkedin.com · read 15 Oct 2026
- Company founders
- Crunchbase lists Igor Kostyuchenok, Lars Rottweiler and Vladimir Lounegov as founders.crunchbase.com · read 15 Oct 2026
- Company legal name
- Crunchbase identifies the legal name as FinLink, Inc., also known as Mbanq.crunchbase.com · read 15 Oct 2026
- Company profile
- LinkedIn lists Mbanq as a privately held banking company with 51–200 employees.linkedin.com · read 15 Oct 2026
- Compliance
- Mbanq states that it maintains PCI DSS compliance and employs bank-level security measures.mbanq.com · read 7 Oct 2026
- Core
- The platform provides core banking, regulatory compliance, and operational management.mbanq.com · read 7 Oct 2026
- Documentation
- The documentation site provides guides, API references, a changelog link, tutorials and Postman setup instructions.apidocs.cloud.mbanq.com · read 15 Oct 2026
- Extensibility
- Extendable core objects allow custom fields, data structures and business logic, while third-party integrations and custom extensions are supported.apidocs.cloud.mbanq.com · read 15 Oct 2026
- Free evaluation
- LinkedIn states that Mbanq Cloud includes a free evaluation environment for testing ideas.linkedin.com · read 15 Oct 2026
- Funding news
- A July 24, 2026 announcement said a Swiss private bank made the first investment in Mbanq's note program, which has capacity up to US$100 million.mbanq.org · read 15 Oct 2026
