StableOne gives UK fintechs and payment service providers the regulated fintech infrastructure to launch, scale, and move money domestically and across borders, without building a banking stack from scratch. Whether you're a UK PSP providing account services or a fintech embedding financial services into a product for UK customers, StableOne provides the infrastructure you need to build and scale on.
Launch branded payment accounts under your own product name for UK-based products, backed by StableOne's regulated infrastructure. Your customers see your brand while StableOne handles the ledgering, account issuance, and underlying rails behind it, including the FCA authorisation burden you'd otherwise have to carry yourself.
Issue dedicated IBANs to your customers across multiple jurisdictions so they can receive and send funds like a local business, alongside the UK account details your own platform runs on. Each account comes with full transaction history and real-time balance visibility. See how we support fintech infrastructure for PSPs worldwide across multiple jurisdictions.
Manage GBP as your home currency alongside multi-currency balances, moving funds across borders from a single view. StableOne's payment infrastructure handles FX exposure, liquidity management, and fund positioning for UK platforms operating in more than one market, with Faster Payments and CHAPS covering domestic transfers alongside SEPA and other international payment networks.
Fast, predictable settlement cycles for merchants, partners, and platform users, with Faster Payments typically clearing within minutes and CHAPS available for same-day, high-value transfers. The settlement engine reconciles transactions automatically and gives clear visibility into pay-in and pay-out timing.
A single, well-documented API connects your platform to accounts, payments, settlement, and reporting. Built for developers and designed to integrate quickly, it gives UK fintechs a reliable payments foundation without the complexity of building the full stack in-house.
We work as an infrastructure partner, not a competitor, for UK platforms building financial products. You own the customer relationship and the brand; StableOne provides the regulated backbone underneath.
Every account and transaction runs through built-in KYC/KYB and AML/CTF monitoring aligned with UK requirements under the Financial Conduct Authority's e-money and payment services regulations. Compliance is part of the infrastructure itself, handled before a single transaction moves, not bolted on afterwards.
It is the regulated banking, payment, and compliance foundation that UK fintechs and PSPs build their products on. StableOne provides accounts, API access, IBANs, settlement, and compliance so UK firms can launch without holding their own licences.
StableOne's embedded finance model lets UK platforms integrate accounts, payments, and money movement into their own product via a single API. Your users stay in your product; StableOne handles the regulated side, including FCA-aligned AML/CTF compliance, behind it.
Yes. UK PSPs use the infrastructure to issue dedicated IBANs and payment accounts to their own customers, with full transaction history and real-time balance visibility under their own brand.
It covers account issuance, cross-border treasury with GBP as the home currency, and Faster Payments, CHAPS and SEPA for payments. It also includes FX, global IBANs and an API, with compliance aligned to FCA e-money and payment services regulations built in from the start.