Create your own digital bank with your brand: no bureaucracy

A white-label digital bank is a 100% customized bank branded by a company that partners with a technology provider who develops and supplies the entire financial services infrastructure through APIs. This model enables fintechs and organizations from any sector to have their own bank without needing to build everything from scratch.

To have a white-label digital bank, you need to find a technology provider who offers a banking platform with all the necessary infrastructure, such as Dock. Thanks to the model's flexibility and customization possibilities, the company can have a bank that reflects its visual identity and brand value proposition.

Banking as a Service is the solution that allows a company to have its own white-label bank without becoming a bank itself. In BaaS, the infrastructure provider acts as the payment institution and issuer, being responsible not only for technology and security but also for operations, licenses, compliance, and regulatory adherence.

A white-label bank works through APIs, which allow the integration of robust services such as digital accounts, card issuance, payment management, etc. It is typically offered in a plug-and-play format, and the company offers its services through the provider's platform, only needing to develop the front-end with its brand.

The benefits of a white-label digital bank include having your own bank without needing to develop infrastructure from scratch, which speeds up implementation and optimizes processes, as the solution is already built, tested, and validated. This also allows the product to be brought to market much faster. Furthermore, a white-label digital bank offers a unique opportunity to expand a company's operations and generate new revenue streams.

Among the services that a company using the white-label bank model can offer are a complete digital account with different functionalities (Pix, invoice generation, bill payments, top-ups, loans, etc.), its own app, a debit card with its brand, a virtual card for online purchases, and a marketplace for vouchers and top-ups.

When operating as a white-label digital bank, the Banking as a Service provider is responsible for both the technical and regulatory aspects, while the contracting party can focus on its core business and on acquiring, engaging, and retaining customers.

The technologies used in white-label digital banks are based on financial APIs, which function as feature aggregators and are ready to be integrated. The APIs connect the front-end with the digital bank's platform.

The time to launch a white-label digital bank depends on various factors, but it is undoubtedly much shorter than developing a proprietary platform from scratch. Thanks to API technology, Banking as a Service enables a much faster time-to-market for companies that want to have their own bank.

Among the challenges of implementing a white-label digital bank is finding the ideal Banking as a Service provider, one that has an adaptable platform and offers everything needed – including treasury, account opening, processing, transaction monitoring, fraud prevention tools, and transactional anti-fraud solutions.

Yes, you can offer Pix in a white-label digital account, allowing users to make transfers and payments quickly and conveniently using the Central Bank's instant payment system.

To act as an Indirect Participant of Pix, you need to be connected to a Direct Participant, like Dock. Furthermore, you need to meet the requirements established by the Central Bank, which include obtaining authorization to act as a financial or payment institution, proving the full subscription and maintenance of at least R$ 5 million in capital, and structuring a minimum compliance program.

Ensuring the security of Pix transactions has been one of the challenges for the Central Bank and the sector as a whole. To minimize risks and protect users and institutions, the CB has been implementing specific measures, such as time restrictions, new device monitoring, and Pix key adjustments. However, institutions must also implement prevention solutions to strengthen protection against fraud.

It is possible to integrate payment slips (boletos) into a white-label digital account solution through specific APIs for this purpose. Dock's Banking solution includes the Boleto functionality, allowing the generation of customized payment slips that include changes to the due date, fines, interest, and discounts.