Increase your customer lifetime value by integrating payment solutions into your core product
Attract and retain customers with the convenience of an all-in-one solution that drives long-term loyalty
Allow users to manage their business accounts from your platform. No need for multiple logins.
Set a new standard for speed in account openings by using existing KYB/C data.
Unify payments and accounts on the same platform, making domestic and cross-border payments faster and more reliable.
Offer financial services and products to your customers, with no need to set aside capital
COMO allows you to plug into fully compliant financial services, enabling companies to embed regulated financial and payment services into branded offerings, powered by COMO license and leading-edge tech platform.
Innovate on a flexible API platform. Unleash the full potential of your business.
Your customers can use financial services straight from your platform, without any capital burden for your organization, or the need for in-house resources.
Gain access to the highest standards in terms of compliance and AML/CTF controls on customers’ cash flows.
Choose from a full set of modular financial services products, allowing you to open accounts and move money around with fine-tuned controls.
We provide a step-by-step onboarding process, starting with access to our comprehensive API documentation and sandbox environment. Your team can test and simulate real-world scenarios before going live. Our dedicated specialists are available to guide you through integration, compliance requirements, and best practices.
COMO allows you to plug into fully compliant financial services, enabling companies to embed regulated finance and payment services into branded offerings, powered by COMO’s license and leading-edge tech platform.This means our services can operate entirely under the branding of our partner. For instance, your company can present financial services to end-users with your brand identity, and COMO will function as the behind-the-scenes engine. We provide extensive customization options:
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Partners can customize the user interface components of our solution or integrate our services invisibly via API into their existing user-facing applications. The end-user would not see “COMO” – instead, they would experience a unified service with financial features powered and managed by COMO.
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Meanwhile, COMO handles all the underlying regulatory and technical operations (such as account ledger management, regulatory reporting, etc.). This arrangement is truly a win-win: you can enhance your product offerings with compliant financial functionalities under your trusted brand, and COMO ensures those services run smoothly and within all regulatory guidelines.
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Yes, our application is fully API-enabled. We provide a comprehensive RESTful APIs allowing seamless integration with external systems and platforms. This API-first architecture means partners like you (and your clients) can easily embed our banking-as-a-service functionalities into existing workflows or software. By leveraging our secure APIs, financial operations (such as account creation, payments initiation, KYC updates, etc.) can be streamlined and automated in real-time, significantly improving efficiency and user experience. In short, COMO’s open API ecosystem offers the flexibility to integrate the services you need while ensuring interoperability with other systems.
Our solution integrates seamlessly with third-party systems and external applications. The primary integration method is via our well-documented RESTful APIs and webhook callbacks, which allow external systems to retrieve data from COMO and initiate actions (like payments) on the COMO platform in real time. We provide partners with a Developer Portal and technical documentation to simplify the integration process. In addition to APIs, we support secure file-based data exchange for batch processes if needed (for example, daily files or reports can be imported/exported securely for clients that use batch processing). The architecture is designed to be technology-agnostic on the integration side. Whether a partner’s systems are built on modern stacks or legacy software, we can accommodate connectivity through standard formats (JSON, XML) and protocols. Furthermore, we assign a dedicated solutions engineer to major partners like you during onboarding to work together with your IT team, ensuring that the integration of COMO’s platform into your ecosystem (or your clients’ systems) is smooth, timely, and effective.
We employ industry-standard security measures, including:
Multi-Factor Authentication (MFA): This adds an extra layer of security by requiring users to provide two or more verification factors to gain access. MFA typically combines something the user knows (like a password) with something the user has (like a smartphone or security token) or something the user is (like a fingerprint).
X.509 Certificates (API): We use X.509 certificates for API authentication. These digital certificates provide a secure method for authenticating users and devices, ensuring only authorized entities can access the API. X.509 certificates use public key infrastructure (PKI) to establish a trust chain, enhancing data exchange security.
These mechanisms help protect against unauthorized access and ensure user identities are verified securely.
Yes, COMO’s services and operations fully comply with the principles of the EU General Data Protection Regulation (GDPR). We ensure compliance through robust internal policies, technical safeguards, and staff training. For instance, we have implemented formal policies such as a Data Protection & Processing Policy, an Incident/Breach Response Procedure, and guidelines for data retention and minimization. All employees receive training on data protection, best practices and GDPR obligations. We have appointed a Data Protection Officer (DPO) who oversees privacy compliance and regularly audits our processes. Additionally, we conduct periodic assessments of GDPR compliance and engage external counsel as needed to review our data handling. This multifaceted approach ensures that personal data is processed lawfully, transparently, and securely, aligning with GDPR and upholding the trust of partners like you and your clients.
Yes, we provide a complete sandbox environment for partners. Our sandbox is a safe testing space where your teams or clients can explore and integrate with our APIs without touching live funds or real customer data. It replicates the functionality of the production environment, including test accounts and transactions, so that integration and user acceptance testing can be conducted thoroughly.
Our application implements session timeouts to enhance security. Inactivity causes timeouts in the dashboard, and the API has session runtimes with token renewal mechanisms. This ensures that sessions are securely managed and reduces the risk of unauthorized access.
By embedding our software, you allow COMO’s systems to talk directly to your business software through an API feed. That means you never have to leave your business software environment again to gain access to your account.
Embedded users also gain access to added COMO products, enabling them to offer their customers worldwide payments, multi-currency accounts, digital wallets, KYC/KYB functionality, and, soon, cards and Buy Now Pay Later (BNPL).
The ease with which you can integrate COMO into your business software means you never have to juggle between different systems again. Using the same data format across all your software gives you powerful tools to manage your business, produce analytical reports, understand your customers’ behavior, and grow revenues. A principle we call Single Truth Finance.
COMO offers an easy-to-use, one-glance oversight of everything that is going on in your account in real time. Because of COMO’s single data format, it will become possible to link other business systems to the same dashboard, creating one single dashboard to get a 360-degree view of your entire business.
COMO Digital Life is a bank challenger, not a traditional bank. While COMO offers similar functionalities to a bank, we belong to a different category known as payment institutions. COMO clients get access to a rich array of payment and financial services, without committing to any traditional bank.
Conversely, COMO does not offer certain banking products like loans, credit cards, savings accounts, and deposits.
You can have your COMO account up and running within three business days if you follow these easy steps:
Complete a short questionnaire to provide information about your business. This should take around 10 minutes. Click here to open an account
Fill out the Ultimate Beneficial Owners (UBO) declaration
Make sure you have the required documents ready to upload. They are listed at the beginning of the questionnaire.
Submit the form. Our client support team will set up your account within three business days (72 hours) so you can be up and running. In some cases, we might call you for further information depending on the complexity of your business.
Activate your COMO account by transferring it first. It will be ready for use immediately afterward.
Tech for optimal performance
We utilize the latest programming languages and adhere to the industry’s best practices and design patterns.
Shielded environment
Our API employs security protocols and Multi-Factor Authentication (MFA) to prevent unauthorized access to your environment and to block any tampered encrypted information during transmission.
Ultra-scalability
Our API processes requests using lightweight, compact formats and efficient coding. This design enables seamless support for large enterprise systems operating at high volumes and scales.
You are safe here
Our company is strategically located in AAA-grade Luxembourg, the best-rated jurisdiction to safeguard your funds. Unlike banks, we are legally required to separate your money in segregated accounts. We will not use your cash to speculate, invest in assets, or lend to other clients.
Assistance every step of the way
We take pride in offering five-star, 100% human client support. All your inquiries are handled personally – no chatbots, just real experts.