Launch a neobank in weeks, not months.
Picept is a production-grade, white-label digital banking platform. Battle-tested on UK regulated rails. Ready to plug into your bank.
Building a digital bank from scratch takes 24+ months and tens of millions.
The economics are brutal and the talent is rare. Most teams burn years on infrastructure before shipping a single account.
Of engineering, integration, and certification work before a regulated MVP is operable.
In core engineering, security, and compliance R&D — before a single customer is onboarded.
Engineers have meaningful experience in transactional architecture. The talent simply doesn't exist at scale.
A complete neobanking platform. Already built. Ready to deploy.
Four production-grade surfaces, all white-labelled, all wired together — from end-customer mobile app to back-office operations.
Built for end customers.
Accounts, cards, transfers, statements and payments — a polished mobile experience under your brand.
Web self-service.
Multi-currency accounts, transactions, payees and statements — accessible to your customers in any browser.
Onboarding & monitoring.
KYC and KYB review, AI transaction monitoring alerts, sanctions screening and full document management.
Bulk & oversight.
Bulk transaction processing, delegated approvals, role-based oversight and full audit trail for back-office teams.
Everything a regulated retail or business bank needs.
Personal & business accounts
Multi-currency accounts for individuals and companies, with UBO and shareholder modelling.
Cards & payments
Virtual and physical card issuance, tokenized payments, contactless and 3DS-ready by default.
Transfers, mandates & DDs
FPS, SEPA, SWIFT, standing orders, direct debits and recurring mandates — domestic and cross-border.
KYC & KYB onboarding
Document capture, biometric liveness, sanctions screening, UBO verification — fully embedded.
AI transaction monitoring
Real-time anomaly detection, velocity rules, typology screening and tunable risk thresholds.
Delegated & multi-user access
Business accounts with team members, approval policies and segregation of duties out of the box.
Statements & reporting
Branded PDF/CSV statements, regulatory reporting outputs, and ledger exports your finance team can trust.
RBAC & audit trail
Granular role-based access control and an immutable, exportable audit log of every action across portals.
Why teams choose Picept.
A product that's been in production — not a prototype dressed up for a demo.
Production-grade, not a prototype.
Operated on UK regulated rails (Payrnet, Caxton) with live customer flows. The system was hardened before you ever saw it.
Bank-agnostic by design.
Connects to any bank API. Architected to be localized for Morocco, Africa and beyond — without rewriting the core.
Compliance built in.
KYC, KYB, AI transaction monitoring, RBAC and immutable audit logs — present from day one, not bolted on later.
Engineered for scale.
Architected to handle hundreds of thousands of concurrent transactions, with horizontal scaling on every critical path.
Built for institutions launching modern financial services.
Banks digitalizing their offering.
Launch a digital-first product without rebuilding the core. Plug Picept onto your existing bank infrastructure and ship in weeks.
Fintech challengers going to market.
Go live with a mature, regulated-rails platform instead of an MVP. Spend your runway on growth, not on reinventing core banking.
Telcos entering financial services.
Turnkey rails for embedded finance plays. Layer wallets, payments and accounts onto your subscriber base without a banking team.
From signed to live in weeks.
A clear four-step path from first conversation to operating a regulated digital bank under your brand — measured in weeks, not quarters.
Discovery
Scope, banking partner, regulatory context. We map the route together.
Customization
Branding, business rules, banking API integration tailored to your market.
Deployment
Your dedicated environment — configured, tested and load-checked.
Launch
Go live with Picept's team supporting operations through ramp-up.
We don't move fast by cutting corners. We move fast because our foundations are already solid.
Picept is built and operated by OpenTecc, a software and technology company partnering with regulated financial businesses — including a UK FCA-regulated lender and a UK employee financial wellbeing platform.
Visit opentecc.comReady to see Picept in action?
Book a 30-minute walkthrough — we'll show you the live platform and talk through deployment for your market.