The core infrastructure for modern banking
Cloud-native. Compliance-ready. API-first. Powering fintechs, digital banks, and next-gen financial institutions.
Modular products. One powerful platform.
Why Us
Built by operators. Trusted by regulators.
We’ve built licensed digital banks, passed audits, and delivered real-world compliance — so you don’t have to start from zero. Our stack is production-tested, modular by design, and ready for scale.
A.ID compliance
Full-stack onboarding & monitoring
Modular stack
Plug in what your use case needs
Built for scale
Get to market quickly and grow at your own pace
Proven case
Arival Bank live & licensed on our stack
OCIF-compliant
Approved by Puerto Rico’s regulator
SOC 2 certified
Enterprise-grade security controls
Penetration testing
Verified by third-party security audits
Back Office portal
Built-in ops & compliance tools
For whom
Ideal for startups, perfect for upgrades.
Different starting points. One unified infrastructure.
Start your digital bank with ready rails
Launch your product with a ready stack — onboarding, payments, compliance, accounts, and UI. Go live in as little as 3 months and focus on growth, not infrastructure.
Transform outdated systems without a rebuild
Modernize customer experience and compliance with white-label UI, automated onboarding, and APIs. Add new layers on top of your core — no downtime, no migration, just smarter infrastructure.
Accelerate growth with built-in compliance
Plug in onboarding, card issuing, and end-to-end compliance with flexible APIs. Scale faster, meet regulatory demands, and retain full control over your product stack.
Expand your bank into new markets
Deploy localized digital products with modular compliance and global risk controls. Expand into new markets without disrupting your legacy infrastructure.
Stack architecture
Your stack, supercharged.
From frontend to compliance, each layer is modular and integration-ready.
Front-End Interfaces
Branded user experiences, ready to launch. White-label web and mobile apps — customizable, fast to deploy, and designed for fintech use cases.
API Integration Layer
Connect your systems with ease. A unified set of APIs for onboarding, transactions, payments, and more — made for fast, secure integration.
Back Office Portal
Full control for your operations team. Manage users, accounts, transactions, and compliance workflows from a single dashboard.
Compliance Engine (A.ID)
Built-in regulatory intelligence. Modules for KYC, KYB, AML, EDD, screening, monitoring, and audit — trusted by licensed banks.
Power every layer.
Launch with confidence.
Trust / Clients / Case
Used by Arival. Built for you.
Our infrastructure powers Arival Bank — a licensed digital bank live in multiple jurisdictions. Validated by regulators. Proven in production.
Bill Papp
Chief Executive Officer at Arival Bank
EZ is changing the way fintechs can partner with a bank through better technology. At Arival Bank, we are able to meet the global demand of our FinTech clients because of the speed and infrastructure EZ Banking brings to the table.
Let’s build the future of finance — together.
Book a demo
Contact us!
Contact SalesSkaya, Inc. (Skaya) is a technology and services company, not a bank. Banking services are provided by Skaya's bank partners. EZ, EZ Banking and EZ ID are registered trademarks of Skaya.