Netbank Banking-as-a-Service Platform

Organization
Netbank (A Rural Bank) Inc. · Philippines
Solution Type
Platform
Collaboration
Business Collaboration (Joint Venture)

1. Technology overview

Netbank is a Philippine rural bank licensed and regulated by the Bangko Sentral ng Pilipinas that operates an embedded finance platform for fintechs and digital platforms. It addresses the difficulty non-bank companies face in obtaining banking licences, settlement access and compliance infrastructure.

The platform is organised into four service groups: Collect-as-a-Service, Disburse-as-a-Service, Account-as-a-Service and Lend-as-a-Service, offered white-label through an API portal. Supported channels include bank transfers, QRPH, Instapay, over-the-counter and debit pull. Partners include payment processors, lenders, marketplaces and payroll providers.

2. Highlighted features & specifications

  • Collect-as-a-Service: collections through bank transfer, QRPH, over-the-counter and debit pull channels.
  • Disburse-as-a-Service: payouts to accounts and wallets via Instapay and other rails.
  • Account-as-a-Service: accounts opened and embedded directly inside partner platforms.
  • Lend-as-a-Service: lending products offered through partner fintechs.
  • API portal: documented APIs for integration by payment processors, lenders and marketplaces.
  • Card issuing: card products launched in the past year, per the funding announcement.

3. Potential application

  • A Vietnamese fintech or e-commerce marketplace extending payouts and accounts to sellers in the Philippines.
  • A lender or payroll platform using disbursement and collection rails for Philippine clients.
  • A regional payment processor adding local settlement through a licensed bank partner.

4. Benefits

  • Lets fintechs launch accounts, cards, payments and lending without holding their own banking licence.
  • Compliance, licensing and settlement are handled by the licensed bank in the background.
  • One API integration covers collections, disbursements, accounts and lending products.
  • Deposits are insured by PDIC up to PHP 1,000,000 per depositor, as stated on the site.

6. Other information

Philippine rural bank regulated by the Bangko Sentral ng Pilipinas. Series B announced 2026-04 led by Altara Ventures with BeeNext, Kaya Founders, January Capital, Oak Drive Ventures and Boleh Ventures. Reported 88% revenue growth and first profitable year in FY2025.

Netbank (A Rural Bank) Inc.
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