Products · Lending
A marketplace of lending providers, credit decisions stay with licensed partners
Banks, fintechs, and licensed lenders plug into every Neobankify program. Members get credit, microcredit, and financing services when they need them. Every time they engage a lending partner the neobank marketed, that program gets a cut of the revenue, without becoming the lender of record.
Partner network
Banks · fintechs · lenders
Product surface
Loans · BNPL · micro · HELOC
Member path
SuperApp · agents · Growth OS
Program economics
Revenue share on activity
The model
You distribute. Partners underwrite. Members win. Programs earn.
Neobankify is the experience and distribution layer, SuperApp, wallet, mCard, Growth OS, and marketplace. Credit decisions, capital, and regulated obligations stay with licensed banks, fintechs, and lenders. The community neobank that introduced the product participates in the economics of every eligible lending and credit engagement.
- ✓Compose a catalog from the partner marketplace, not a single fixed loan product
- ✓Surface the right offer with Growth OS, AI agents, and lifecycle journeys
- ✓Earn when members originate, draw, renew, or use partner credit features
- ✓Keep brand trust: clear disclosures that partners decide eligibility and terms
Revenue share loop
Member
Needs credit moment
Neobank
Markets partner product in SuperApp
Lender / bank / fintech
Underwrites & funds
Economics
Eligible programs may participate in partner economics where permitted
Every engagement with a lending partner or affiliated feature provider marketed by the neobank can contribute to program revenue, origination, ongoing balances, BNPL fees, and marketplace success shares.
Partner network
Banks, fintechs, and licensed lenders, one composable network
Each community program selects and prioritizes partners that fit its members. The catalog is open-ended: new lenders and feature providers expand what members can access without rebuilding the neobank.
Banks & credit unions
Licensed depository partners originate personal loans, HELOCs, auto, and secured products under their own underwriting and compliance.
Licensed lenders
Specialty originators for installment credit, microloans, and niche products, always the lender of record on funded accounts.
Fintech credit platforms
BNPL, paycheck-linked advances, and embedded credit rails that surface inside the SuperApp when members need them.
Marketplace feature providers
Credit-builder, debt tools, and underwriting-adjacent experiences that plug into Growth OS journeys and member agents.
What members can access
Credit, lending, microcredit, and fintech services
Personal installment loans
Consolidate, renovate, or fund life events
Origination + balance revenue share
BNPL & checkout credit
Split larger purchases at partner merchants
Per-transaction / merchant fee share
Microcredit & advances
Small, short-duration liquidity between paydays
Fee and usage share where permitted
Lines of credit
Revolving access for members who qualify
Interest and annual fee economics
HELOC & home products
Equity-backed borrowing via bank partners
Referral and funded-loan participation
Student & education finance
Tuition, relocation, and education expenses
Partner program revenue participation
Auto & secured lending
Vehicle and asset-backed options
Dealer / partner network share models
Credit-builder tools
Responsible products that strengthen credit files
Subscription and product fee share
How it works in the real world
Neobanks + lending partners unlocking member value
Illustrative scenarios, eligibility, rates, and availability are always defined by licensed partners.
Collaboration
Campus neobank × education lender
Education installment loan
Member moment
Junior year student needs $4,200 for summer housing and books before aid disburses.
How they work together
Growth OS flags “education liquidity” intent. SuperApp surfaces a licensed education-finance partner with clear APRs and a co-branded apply path. mCard remains the everyday spend card; loan funds land in the member wallet when approved.
Member value
Fast, branded path to cash without leaving the university SuperApp or hunting random lenders.
Neobank value
Revenue share on funded loans marketed to its members, plus deeper stickiness through a hard life moment.
Lending partner value
Pre-warmed applicants from a trusted community brand with higher completion rates.
Seamless path
From marketing moment to shared revenue
01
Neobank markets the moment
SuperApp, Growth OS, agents, and partner offers put the right credit product in front of the right member.
02
Licensed partner originates
Banks, lenders, and fintechs underwrite, fund, and own the regulated credit relationship.
03
Member gets real utility
Cash, flexibility, or credit-building, delivered inside the brand they already trust.
04
Eligible programs may participate
Where agreements allow, funded loans, BNPL plans, advances, or credit product engagements may include revenue sharing for the distributing NeoBank program.
Program economics
Eligible NeoBank programs may participate in partner economics
Lending is not only a member benefit, it is a durable revenue engine for community programs that distribute partner credit well.
Origination participation
When a member funds a personal loan, HELOC, or installment product introduced by the NeoBank program, eligible programs may participate in agreed partner economics where permitted.
Ongoing portfolio share
Where contracts allow, interest, annual fees, or utilization on revolving products may include participation for the NeoBank program that holds the relationship.
BNPL & checkout fees
Merchant and plan fees from BNPL and embedded checkout credit flow through affiliate-style economics to the community program.
Marketplace module margin
Feature providers in the Lending category pay placement and success fees when members engage through SuperApp and Growth OS.
For members & cardholders
Credit that shows up when life does
- ✓Loans, BNPL, microcredit, and lines from partners fit for their community
- ✓Surfaced in SuperApp, wallet, and agent journeys, not cold outbound spam
- ✓Clear that a licensed partner decides yes/no and sets terms
- ✓Tied to the same mCard and rewards home they already use
For neobank operators
Distribute lending products without owning the loan book
- ✓Compose lending modules from the marketplace partner network
- ✓Growth OS ranks next-best credit moments by cohort
- ✓Eligible programs may participate in revenue sharing where permitted
- ✓Stay on the right side of regulation: experience layer vs. licensed credit
Trust & compliance
Honest boundaries matter
Neobankify and community programs market and route members to products. Credit decisions, rates, eligibility, capital, and servicing remain with licensed banks, lenders, and fintech partners. All lending products are subject to approval, underwriting, eligibility, and applicable laws. Member communications should never imply the neobank is the lender unless a licensed entity in the stack actually is. Examples on this page are illustrative, not offers of credit.
Surface credit moments for members, with partner underwriting
Compose lending partners into your neobank. Market them through SuperApp and Growth OS. Engage members and cardholders with partner credit products where available the network.
Illustrative product experiences. Not an offer of credit. Partner terms apply. Disclosures