Credit-as-a-Service
Credit-as-a-Service
Credit-as-a-Service
for Global Fintechs
for Global Fintechs
Easily offer U.S. dollar credit products to your users
Easily offer U.S. dollar credit products to your users
Easily offer U.S. dollar credit products to your users
Built by operators who’ve scaled credit and payment products at top fintechs.
Built by operators who’ve scaled credit and payment products at top fintechs.
Built by operators who’ve scaled credit and payment products at top fintechs.
Backed by
Everything you need to launch U.S. dollar credit solutions
Everything you need to launch U.S. dollar credit solutions
Everything you need to launch U.S. dollar credit solutions
spago handles the operations, provides funding and takes the regulatory and financial risk so you can offer credit from day one.
Products
Products
Products
Explore our
credit stack
Credit Card Issuance
Issue U.S.-based credit cards to your users globally.
Fiat and Stablecoin Credit
Receive funds and make repayments using USD fiat, USDc or USDT
Credit Card Issuance
Issue U.S.-based credit cards to your users globally.
Fiat and Stablecoin Credit
Receive funds and make repayments using USD fiat, USDc or USDT
Credit Card Issuance
Issue U.S.-based credit cards to your users globally.
Fiat and Stablecoin Credit
Receive funds and make repayments using USD fiat, USDc or USDT
Benefits
Benefits
Benefits
Global credit
starts here
Credit Risk Management
Launch credit without the financial risk
spago handles underwriting and risk monitoring. We take the financial risk so you don't need to build internal credit teams and models.
API based credit decisioning
Automated limit adjustment based on user behaviour
Credit Risk Management
Launch credit without the financial risk
spago handles underwriting and risk monitoring. We take the financial risk so you don't need to build internal credit teams and models.
API based credit decisioning
Automated limit adjustment based on user behaviour
Credit Risk Management
Launch credit without the financial risk
spago handles underwriting and risk monitoring. We take the financial risk so you don't need to build internal credit teams and models.
API based credit decisioning
Automated limit adjustment based on user behaviour
Regulatory Compliance
Operate compliantly from day one
spago manages the regulatory requirements needed to issue and operate credit products across multiple jurisdictions.
Local registrations and licenses in every market
Credit issued in accordance with local laws
Regulatory Compliance
Operate compliantly from day one
spago manages the regulatory requirements needed to issue and operate credit products across multiple jurisdictions.
Local registrations and licenses in every market
Credit issued in accordance with local laws
Regulatory Compliance
Operate compliantly from day one
spago manages the regulatory requirements needed to issue and operate credit products across multiple jurisdictions.
Local registrations and licenses in every market
Credit issued in accordance with local laws
Funding & Terms
Provide credit at U.S. dollar interest rates
spago provides funding in U.S. dollars so your users gets access to cheaper capital than they would in their local currencies.
Capital provided by spago
Credit financed at U.S. interest rates
Funding & Terms
Provide credit at U.S. dollar interest rates
spago provides funding in U.S. dollars so your users gets access to cheaper capital than they would in their local currencies.
Capital provided by spago
Credit financed at U.S. interest rates
Funding & Terms
Provide credit at U.S. dollar interest rates
spago provides funding in U.S. dollars so your users gets access to cheaper capital than they would in their local currencies.
Capital provided by spago
Credit financed at U.S. interest rates
FAQs
FAQs
FAQs
Frequently Asked Questions
Who is spago built for?
spago is built for fintechs, neobanks, and platforms that offer USD fiat or stablecoin-based financial services and want to add credit products without building credit infrastructure in-house.
What does spago offer today?
spago provides U.S.-issued credit-as-a-service, including underwriting, issuance, compliance, and funding. Credit cards are our first product.
Do partners need to hold capital or take credit risk?
No. spago provides the credit line and takes on underwriting and credit risk. Partners do not need to post collateral or fund balances.
How do users apply for credit?
Users apply directly within your app. spago handles credit decisioning, limit assignment, and ongoing risk management behind the scenes.
Can spago support users outside the United States?
Yes. spago is designed to enable non-U.S. users to access U.S. dollar–denominated credit products, even in markets without mature local credit systems.
Who is spago built for?
spago is built for fintechs, neobanks, and platforms that offer USD fiat or stablecoin-based financial services and want to add credit products without building credit infrastructure in-house.
What does spago offer today?
spago provides U.S.-issued credit-as-a-service, including underwriting, issuance, compliance, and funding. Credit cards are our first product.
Do partners need to hold capital or take credit risk?
No. spago provides the credit line and takes on underwriting and credit risk. Partners do not need to post collateral or fund balances.
How do users apply for credit?
Users apply directly within your app. spago handles credit decisioning, limit assignment, and ongoing risk management behind the scenes.
How do I sign up for the app?
Yes. spago is designed to enable non-U.S. users to access U.S. dollar–denominated credit products, even in markets without mature local credit systems.
Who is spago built for?
spago is built for fintechs, neobanks, and platforms that offer USD fiat or stablecoin-based financial services and want to add credit products without building credit infrastructure in-house.
What does spago offer today?
spago provides U.S.-issued credit-as-a-service, including underwriting, issuance, compliance, and funding. Credit cards are our first product.
Do partners need to hold capital or take credit risk?
No. spago provides the credit line and takes on underwriting and credit risk. Partners do not need to post collateral or fund balances.
How do users apply for credit?
Users apply directly within your app. spago handles credit decisioning, limit assignment, and ongoing risk management behind the scenes.
Can spago support users outside the United States?
Yes. spago is designed to enable non-U.S. users to access U.S. dollar–denominated credit products, even in markets without mature local credit systems.
Launch U.S. credit products anywhere
Build, issue, and manage U.S. dollar credit cards for your users
without licensing, capital, or operational overhead.
Launch U.S. credit products anywhere
Watch your money grow. Download the app now and start taking control of your money today
Launch U.S. credit products anywhere
Build, issue, and manage U.S. dollar credit cards for your users
without licensing, capital, or operational overhead.