Introducing Synctera Labs: Because sandboxes simulate, customers don’t

Every embedded finance idea looks great in a sandbox, but a sandbox can’t tell you if anyone will open the account. Or use the card. Or come back next month. It simulates. Customers don’t. That’s why we’re building Synctera Labs, and today we’re opening the waitlist.

What Synctera Labs is

Synctera Labs is a launch platform for FinTechs. It’s built to put an embedded finance idea in front of real customers, with real money, without the cost and commitment of a custom program.

Not a sandbox. Not a waiting room. A program can stay as long as it makes sense.

If you have an embedded finance concept you want to validate, Synctera Labs is for you. A brand new company or an established business adding a financial product, it doesn’t matter. The idea is what counts.

The problem(s) it will solve

• A sandbox isn’t real. It proves little to anyone deciding whether to back the idea.
• A custom program is a big bet before you know there’s demand.
• Building it yourself is slow, and none of it tells you if customers want the product.

What Synctera Labs is built to give you

• Banking infrastructure from day one. Build your product, not your back office.
• Real accounts and real cards, so you learn from real behavior.
• Operating data you can show your investors and partners.
• Payment monitoring and compliance operations support, built in.

What it will cost

• $60K annual platform fee, prepaid
• $10K fraud loss reserve, prepaid (hopefully never needing to be topped up!)
• You keep about half of interchange, subject to program terms

If you ever want more customization, custom programs are there. That’s your call.

What’s next

The full program launches in February 2027. Consider this a first look. More soon.

Want in early? Join the waitlist.

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The necessary jargon:

These terms are subject to the approved use case and final agreements.

Synctera Labs is built for U.S. customers, 18 and older. Think about 1,000 consumer customers or about 100 businesses. Program limits apply to customers, accounts, cards, balances and volume.

Included: accounts, deposits, transfers, ACH and debit cards.

Not included at Launch: cross border, wires, lending or credit, overdraft, negative balances, complex treasury, mRDC, cash and Synctera Pay.