Don't pitch your idea.
Launch your embedded product.
Synctera Labs gives you banking infrastructure, built-in oversight and compliance operations support, with less up front than a custom program. Learn from real usage and keep about half of interchange, subject to program terms.
What are you building?
First programs expected to launch in February 2027.
Proposed terms shown for planning purposes and subject to the approved use case and definitive agreements.
Stop guessing. Launch with real money.
An embedded finance idea is hard to judge on paper. A sandbox can't show how real customers behave with real money. A custom program means more upfront cost before you know there's demand. And building it yourself means standing up compliance and payment operations first.
Synctera Labs means less up front and banking infrastructure built in, with oversight and compliance operations support included, so you can launch with real customers and real money and learn from what actually happens.
Explore the APIs in the sandbox today. Launch with real customers when Synctera Labs opens.
What you could build
A few examples of embedded finance ideas that fit the standard Synctera Labs configuration.
Embedded finance
B2B software platforms—property tech, dental clinics—adding financial tools.
Community wallets
Tailored banking for specific demographics, affinity groups, or unbanked communities.
Earnings and payouts
Creator platforms, gig-worker marketplaces, and independent professionals.
A lower upfront commitment than a custom program.
What Synctera Labs covers
Every Synctera Labs program runs on the same standard configuration, so there's less to set up.
Frequently asked questions
Who is Synctera Labs for?
Anyone with an embedded finance idea they want to test with real customers and real money, including established companies adding a financial product to an existing business.
When can I launch?
First programs expected to launch in February 2027. Join the waitlist as the first step, and explore the APIs in the sandbox in the meantime.
What does Synctera Labs cost?
A $60K annual platform fee and a $10K fraud-loss reserve, both prepaid before activation. You keep about half of interchange, subject to program terms. Proposed terms shown for planning purposes and subject to the approved use case and definitive agreements.
What's outside the standard configuration?
These sit outside the standard Synctera Labs configuration: cross-border, wires, lending/credit, overdraft, negative balances, complex treasury, mRDC, cash, Synctera Pay, stablecoin/crypto and early wage access. Custom programs are also available.
What support is included?
Compliance operations support from Synctera's team, included with every program; usage billed per case. Synctera also supports payment monitoring, so your team can spend less time on compliance and payment operations and more on the product.
Can my program stay on Synctera Labs?
Yes. Synctera Labs is a complete product, not a waiting room. Your program can stay for as long as it makes sense.
Ready to build for real?
Stop guessing. Launch your idea with real customers, real money and less up front.
Join the waitlistFirst programs expected to launch in February 2027.
Not sure yet? Tell us about your idea
If your program grows and you want more customization and better economics, we offer custom programs.
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