Powering Embedded Finance: How a Lending Platform Automated Compliance at Scale with FT3Pay
Merchant Onboarding Time:
95% reduction in KYC/KYB processing time
Platform Partner Launch:
Launched 10 new partners in one quarter
Compliance Overhead:
50% reduction in compliance-related costs
About The Client
A fast-growing FinTech company that provides an embedded, white-labeled "Capital-as-a-Service" solution for B2B SaaS platforms, enabling them to offer cash advances to their small business customers.
Challenge
The company's innovative lending model was taking off, but their payment infrastructure was holding them back. The entire process was built on a patchwork of providers that created critical roadblocks to scale:
Compliance Bottleneck: Onboarding the underlying small businesses required a slow, manual KYC/KYB process that took days for each merchant, severely limiting the speed at which their SaaS partners could launch the service.
Broken White-Label Experience: Their payment provider’s branding appeared during the onboarding and repayment flows, which broke the seamless, embedded experience they had promised their SaaS platform partners.
Slow Capital Disbursement: Getting approved funds to small businesses was a multi-day process reliant on traditional banking rails, a major point of friction for businesses needing quick capital.
Manual Audit & Reporting: Generating audit-ready compliance and transaction reports for each SaaS partner was a time-consuming manual process, creating significant operational drag.
They needed a true infrastructure partner to automate compliance and enable frictionless, white-labeled financial flows.
Solution (FT3Pay Intervention)
By providing a fully embedded and modular payment engine, FT3Pay functioned as FinTech's new core infrastructure, unlocking its true potential for scale. The most critical bottleneck—compliance—was solved by deploying our Automated & White-Labeled Onboarding API. This automated the entire KYC/KYB and risk management process, reducing merchant processing time by 95% and allowing partners to onboard entire portfolios almost instantly.
Building on this efficiency, the platform's Real-Time Disbursement APIs provided a major competitive advantage by enabling same-day fund disbursement.
Furthermore, the automation of compliance through features like Audit-Ready Transaction Tracking directly led to a 50% reduction in overhead costs. With these operational and compliance bottlenecks removed, FinTech was able to successfully launch 10 new, large-scale platform partners in a single quarter.