Built to Flex; Proven to Scale

From banks to industry money movers, Qolo adapts to your needs. Smarter financial operations shouldn’t require juggling vendors or battling outdated systems. Qolo delivers an all-in-one platform that streamlines card issuing, payments, and ledgering into one unified, real-time solution.

With our help, you can build better, scale faster, and stay in total control of your funds with the infrastructure designed for innovators.

Who We Serve

Qolo helps leading platforms, banks, and fintechs unlock unified modern payment and treasury capabilities, without replacing their core systems. Explore solutions tailored to your business model:

Corporate & Commercial Banks

Modernize treasury operations with unmatched real-time visibility and seamless virtual account infrastructure you can’t get from legacy tools.

Vertical SaaS Providers

Increase revenue and customer stickiness with white-labeled financial features like accounts, disbursements and cards all embedded directly into your platform.

Fintech Platform & Payout Providers

Move funds at scale with complete control and compliance. Power high-volume disbursements across card rails, RTP, ACH and wire with embedded ledgering and real-time oversight.

Other Payments Innovators

One platform for the innovation you are building. Whether you are rethinking embedded finance, automating treasury or launching something new, Qolo’s infrastructure is designed to adapt to you.

Why Qolo is Different

Real-Time Financial Oversight

Stay ahead of the curve with real-time visibility into every transaction. Track money in and out with a single source of truth that reduces errors, simplifies audits, and boosts efficiency.

Fully Unified Operations

Say goodbye to disconnected systems! Qolo combines a bank-grade Quantum Ledger, first-party card issuing, and seamless money movement into one straightforward platform for all your financial needs.

Built for Innovators

Whether you’re issuing cards, managing accounts, or moving money across multiple rails, Qolo is built to adapt. Our flexible, API-first technology evolves with your business, helping you pivot and scale confidently.

Total Financial Control

Custom fund management on your terms. With Qolo Sparq, set transaction-specific funding sources, define rules, and authorize payments in real time—with no compromises on clarity or precision.

Core Capabilities at a Glance

Quantum Ledger

A bank-grade, dual-entry ledger ensures real-time tracking and audit-ready precision for every transaction.

Qinetic
Issuing

Issue virtual and physical cards instantly with comprehensive control over funds and seamless network connectivity.

Unified Money Movement

Eliminate vendor sprawl with a single API supporting ACH, RTP, wire, and card payments.

Automated Reconciliation

Say goodbye to manual errors with real-time reconciliation and detailed reporting that simplifies audits.

REAL-TIME FUNDING

Demystify Financial Complexity

Whether you need card issuing, advanced treasury tools, or seamless money movement, Qolo gets you where you need to go faster, smarter, and simpler. Join the movement toward a unified financial system.

Chosen by Industry Leaders

“We reduced operational costs and launched new features in record time thanks to Qolo’s innovative infrastructure.”

Joshua Bagley

CEO of Bluebanc

“Qolo doesn’t just streamline payments; they empower us to move money smarter. The real-time insights and flexibility are unmatched.” 

Kirsten Trusko

CEO, Payments as a Lifeline