Underlie API Platform

Underlie is a modern fintech infrastructure platform designed to help banks and fintech companies transform traditional financial services into data-driven, customer-centric solutions. By leveraging open APIs and machine learning, the software enables institutions to move beyond basic balance checks and transfers, turning everyday banking applications into intelligent personal finance tools that improve engagement and decision-making. A key strength of Underlie lies in its strong focus on security and compliance. With bank-level encryption, modern infrastructure, and ISO 27001 certification, the platform ensures that sensitive customer financial data is well protected. Its one-day integration timeline also makes it attractive to institutions looking to modernize quickly without heavy in-house development, especially through its white-labeled, brand-flexible approach. Underlie’s product suite addresses real industry pain points. Its Personal Finance Management API enhances customer insights and lending personalization, while the e-KYC API streamlines authentication, reduces churn, and helps prevent fraud. The Underlie Score offers a more inclusive and accurate alternative credit assessment model that works for both banked and unbanked users. Additionally, UnderlieX Issuing simplifies the process of launching branded physical and virtual cards.