Best White-Label Digital Banking Platforms for Community Banks and Credit Unions Modernizing Services in USA in 2025
Published: December 9, 2025
Executive Summary
We analyzed 5 solutions. Top Recommendation: Digital Banking Platform by Velmie scored highest due to Modular architecture with proven scalability and high availability, enabling banks and fintechs to launch digital banking services up to six times faster..
Digital Banking Platform
velmie.comA comprehensive, modular, and flexible digital banking platform for banks, credit unions, and financial institutions. It enables the launch and management of a wide range of banking products and services, supporting digital transformation and customer engagement.
Key Features:
- Multi-currency accounts
- Debit and credit card issuing
- International payments
- Loans and savings management
- Digital onboarding
- Account servicing
- Invoicing
- Bank and card transfers
- Reporting
- Loan management
- Remittances
Biz2X Platform
biz2x.comBiz2X is a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers. The platform simplifies underwriting and approval processes with an all-in-one lending software, leveraging AI-driven insights, flexible decision rules, and smart integrations.
Key Features:
- AI-powered, configurable loan origination workflows
- Automated approval processes
- Live borrower notifications and digital lending platform
- Flexible workflows to match internal credit decision policies
- Risk analytics and complete risk compliance monitoring
- Data integrations with credit bureaus, KYC providers, and CRM systems
- Banker’s Acceptance score, bank statement analysis, and tax spreading
- Rule-based decisioning and workflow automation
- Centralized dashboard for underwriting, communication, and financial analysis
- Smart portal for borrower engagement and transparency
- Real-time insights and third-party data integrations
- Customizable decision rules and limits
- Cloud-based services and third-party API connectivity
- Secure, centralized document management and e-signatures
- Support for compliance, auditability, and predictability
Mobile Banking App
sdk.financeThe Mobile Banking App by SDK.finance is a customizable, white-label solution for launching digital banking, ewallet, and payment applications. It provides a user-friendly experience and covers essential functionalities for both retail and corporate users.
Key Features:
- Onboarding and KYC verification (user account creation, KYC process navigation)
- Account and card management (multicurrency accounts, crypto-to-fiat support, spending limits, card issuance, statement download, account block/unblock)
- Transactions and payments (initiate transactions, QR code payments, crypto-to-fiat, send to card/account/contact/IBAN, templates, recurring payments, transaction categories, dashboard, support chat)
- User profile and customer support (profile management, document upload, KYC status, password/OTP/notification management, language and pricing plan changes, online chat with file upload)
- Corporate account management (create/configure corporate accounts, manage account members)
- Currency exchange
- Fund transfers
- Mobile payments
- Cash withdrawal
- User profile and settings
- Customer support
- Onboarding flow
- Account management
- Card management
- Transactions dashboard
BNPL Platform for Financial Institutions
equipifi.comThe equipifi BNPL Platform allows banks and credit unions to launch split payment (BNPL) solutions within their online and mobile banking experiences. Account holders receive personalized BNPL offers, can accept them instantly without a credit check or application, and repay over time via automated withdrawals from their checking accounts.
Key Features:
- Personalized BNPL offers generated based on real-time account and transaction data
- Customizable eligibility parameters and loan terms set by the financial institution
- Applicationless lending, 100% prequalified offers, no credit check or application required
- Automated deposit of funds into checking account upon offer acceptance
- Automated installment repayment withdrawals from checking account
- Continuous assessment and bidirectional sync with banking core systems
- Automated notifications to account holders when new BNPL offers are available
- Always-on platform with automated workflows
Eko Platform
eko.comEko Platform offers a comprehensive suite of tools for managing, customizing, and creating digital assets, including interactive videos and enhanced product visuals. It leverages AI and advanced studio technology to help businesses deliver engaging ecommerce experiences and optimize performance through analytics and integrations.
Key Features:
- AI-powered asset management and creation tools
- Centralized dashboard for organizing digital assets
- Support for assets created by Eko or imported from other sources
- Interactive video experience management
- Customization and enhancement of product visuals
- Effortless sharing across digital channels
- Analytics tools for tracking engagement and conversions
- A/B testing capabilities
- Built-in dashboards for data-driven decision making
- Seamless integrations with existing ecommerce and analytics tools
- AI Studio for high-resolution images and interactive videos using robotics and state-of-the-art equipment