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Tapestry

The product assembly layer FinTech has been missing.

Compose, test, and run financial products inside one platform. No code generated. No environment stitching. From intent to production, in days.
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Tapestry Hero Visual – Standalone Component
Blocks
Onboard User
Verify OTP
Update KYC
Apply Charge
Process Payment
Rule
Fetch Balance
Connectors
eKYC Provider
Payment Rails
Core Ledger
consumer-wallet v2.3
Onboarding
→
eKYC
P2P Transfer
→
Fee Engine
Bill Pay
→
Settlement
Governed · Tested · Live
API
/v2/wallet
Production

Product composition is more than just integration.

APIs improved connectivity. Middleware connected systems. But the way financial products get built hasn’t changed. Every financial product carries product behavior: the logic that governs limits, rules, state transitions, and compliance. That behavior is the product, not the screen or the APIs.

Today, that behavior lives inside the code of each product, rebuilt for every variant and duplicated across journeys. That’s why every new product behaves like a new IT project.

Integration Section

Integration

Connected. Not composed.

Core Banking
Payment Rails
KYC Provider
Ledger
?
No visible product layer
VS
Composition
Product behavior. Defined once.
PRODUCT LAYER
Onboarding
Transfers
Fee Logic
Settlement
↓ ↓ ↓ ↓
Core Banking
Payment Rails
KYC Provider
Ledger

You've tried the alternatives.

Low-code builders

Speed and flexibility. No financial product logic. You still build the behavior from scratch.

Embedded finance providers

Ship fast. Locked to their stack, their partners, their rails. Control isn’t yours.

Workflow platforms

Connect systems. Stop at API-level automation. No product intelligence. No compliance awareness.

Generic AI builders

Generate code from prompts. Still needs deployment, testing, compliance review. Every build is a new audit surface.

Meet Tapestry

The first platform where financial products are composed, tested, governed, and run, all in one place.

What makes Tapestry different

No code generated.
  • All code pre-exists on the platform
  • AI assembles existing governed components
  • Compliance inherited, not earned per build
No new code, no new audit surface.
One place to build, test, and run.
  • Compose, test, and deploy inside one platform
  • No exporting, no environment stitching
  • Audit trail follows sandbox to production
From idea to production, nothing leaves the platform.
Atomic financial primitives.
  • Limits, settlement, compliance, state transitions
  • Reusable across onboarding, payments, lending, wallets
  • Compose different products from the same foundation

Building blocks with real financial behavior.

Describe intent, AI finds the right blocks.
  • Hundreds of primitives — describe what you need
  • AI selects, assembles, suggests validations
  • Refine through conversation or visual builder
AI assisted assembly, deterministic execution.
Bring your own APIs and connectors.
  • Import internal or external APIs as workflow blocks
  • Pre-built versioned connectors for common infra
  • Tokenization, auth, and mapping built in
Build around your stack.
Custom blocks, built on your logic.
  • Create your own primitives and logic blocks
  • Package proprietary rules as reusable components
  • Use alongside platform blocks in any workflow
Your IP – Packaged once, reusable.
Versioned workflows, safe iteration.
  • Clone, branch, and rollback any workflow
  • Config-driven variants — base stays intact
  • Deployment control across environments
Change becomes controlled, not a regression risk.
Governance built-in, not bolted-on.
  • Policies, limits, audit trails by design
  • Centralized business rules via Global Data Profile
  • Role-based access at every layer
Compliance travels with every workflow.

How it works in practice

From product intent to a governed, production-ready API, inside one platform.
Define your product.

Start from a pre-built template (wallets, BNPL, loyalty,
onboarding, payments) or describe your product intent in plain language.

Tapestry has hundreds of fintech primitives. Tell the platform what you want to build. AI identifies the right blocks, workflows, and logic components.

  • Describe what you want in plain language
  • Magic Builder assembles the workflow instantly
  • Start from a template or a prompt
AI assembles the workflow.
Tapestry’s AI, Magic Builder selects the right primitives, blocks, and connectors based on your prompt, and assembles them into a governed workflow. Parameters, validations, and business rules are added automatically. The assembled flow appears on the visual canvas for review.
  • Right primitives, blocks, and connectors selected automatically
  • Parameters and rules added, for example "Validate tax ID length
  • Switch to the visual builder anytime to inspect or modify
Refine on the visual builder.
Switch to the drag-and-drop canvas to move blocks, adjust sequencing, add branches, and set conditions. Create custom blocks with your own proprietary logic and use them alongside platform primitives. Inspect inputs and outputs at every node before moving forward.
  • Drag-and-drop canvas with inline configuration
  • Prebuilt platform blocks alongside your own custom blocks
  • Step through, inspect, and validate at every node
Wire in your APIs and connectors.
Import internal or third-party APIs directly into the workflow as reusable blocks. Use pre-built connectors for common infrastructure: KYC providers, payment rails, ledgers, card networks. Tokenization, authentication, and service mapping are built in.
  • Import any OpenAPI as a reusable workflow block
  • Pre-built, versioned connectors: browse and deploy
  • Consistent interfaces, reusable across any workflow
Set rules, access, and admin experience.
Configure charges, fees, limits, commissions, and business rules centrally via the Global Data Profile. Set tenant-specific overlays, role-based access, and channel controls. Design admin panels per business unit: plugins, page designer, navigation, without raising a dev ticket.
  • Change a rule once in GDP, it propagates everywhere
  • Granular access down to sub-org, group, or individual
  • Tailored admin experience per business unit
Test in a production-like sandbox.
Run the full product journey in Tapestry’s sandbox, with mock data, live integration simulation, and error scenarios. Validate that the product behaves correctly as a business, not only as code. Business teams can test and iterate without an engineering dependency.
  • End-to-end simulation with mock events
  • Catch integration issues before they reach production
  • Non-technical teams own the testing loop
Deploy to production, same platform
Promote the tested product (App, workflow or connector) to a production environment inside Tapestry: no exporting, no environment stitching, no separate deployment pipeline. Version the workflow, set permissions, and the audit trail follows automatically from sandbox to production.
  • Same product, workflows, connectors, and governance, now at production scale.
  • Version control, rollback, and audit trail built in
  • Independent Dev, Stage, and Prod environments per tenant
Expose as a governed, production-ready API.
The workflow is now a secure, versioned API, tested and governed, ready to embed or publish. Integrate it into your app, expose it to partner channels, or launch it as a standalone service. Access tokens, RBAC, rate limits, and monitoring are built in.
  • API exposure directly from any workflow
  • Access controls, rate limits, and monitoring built in
  • Embed in your app or expose to partners independently
The result: A tested, governed, production-ready financial product — composed from existing blocks, running inside the platform, exposed as a secure API.

Built for institutions shipping financial products.

The same composable foundation adapts to how each segment builds and ships.
Every product launch touches 10 to 20 systems. Most effort goes into making them talk, not defining product behavior. Tapestry abstracts those systems into reusable blocks.

Sample use cases

SME Credit Orchestration

Eligibility · Underwriting · Disbursement · Exposure controls

Merchant Payment Disaggregation

Rule-based splitting · Fee logic · Multi-party settlement · Reconciliation

Digital Onboarding & eKYC

Identity capture · AML screening · KYC update · Channel validation

Corporate Payment Approval

Multi-tier authorisation · Limit enforcement · Audit trail · Exception handling

Product behavior defined above existing systems

Vendor-heavy environments mean every new product becomes a full IT project. Small teams cannot sustain continuous rebuilds. Tapestry delivers enterprise-grade product assembly without the overhead.

Sample use cases

Community SME & Micro-Business Lending

Relationship underwriting · Configurable rules · Exception handling · Portfolio visibility

Student & Youth Wallets

Age-based permissions · Guardian oversight · Spending controls · Controlled authorisation

Multiple products, one governed foundation

Financial behavior gets coded directly into products, duplicated across features, and harder to change over time. Each new launch increases regression risk. Tapestry externalizes that behavior into governed, reusable workflows.

Sample use cases

Configurable Fee & Pricing Engine

Runtime pricing · Segment rules · Threshold logic · Tenant-specific overlays

Instant Disbursement & Payout Flows

Payout orchestration · OTP validation · Counter tracking · Exposure controls

Embedded Wallet & Fund Controls

Balance management · Conditional payments · P2P/P2M orchestration · Limits

Rewards, Cashback & Loyalty

Milestone-based rules · Usage-triggered access · Campaign logic · Partner variants

Same blocks, multiple products

Every partner gets a bespoke integration. Controls diverge over time. Marginal cost per new partner stays high. Tapestry provides a shared financial layer: partners onboarded through configuration, controls enforced centrally.

Sample use cases

Wallet-as-a-Service

Multi-tenant wallet · Partner config · Fee overlays · Access control rules

Marketplace Payment Split & Settlement

Rule-based allocation · Multi-party settlement · Reconciliation · Auditability

Seller & Partner Commission Engine

Hierarchical payouts · Configurable splits · Settlement scheduling · Reporting

Instant Payouts for Gig & Platform Workers

On-demand disbursement · Validation · Exposure tracking · Payout controls

One platform, many partners

Settlement logic varies by tier, partner, and geography. Commission rules get hardcoded, and each new model becomes a backend project. Tapestry replaces that with configurable workflow components on a shared control layer.

Sample use cases

Transaction Routing & Failover Engine

Multi-rail routing · Failover logic · Retry handling · Provider normalisation

Multi-Party Settlement Orchestration

Rule-based allocation · Merchant settlement coordination · Reconciliation

Fee Normalisation Across Providers

Fee mapping · Threshold monitoring · Provider-specific logic · Reporting

Biller Aggregation & Payment Routing

Biller onboarding · Payment routing · Collection flows · Exception handling

One platform, many partners

Telcos sit on large agent networks and subscriber bases but lack the product layer to monetize them. Commission logic is hardcoded, incentive programs are fragmented, and financial workflows sit outside the core. Tapestry adds the missing product layer without touching subscriber infrastructure.

Sample use cases

Agent Commission & Hierarchical Payouts

Tiered commission rules · Payout scheduling · Target tracking · Dispute handling

Subscriber Wallet & Balance Programs

Stored-value layer · Spend controls · Airtime-linked incentives · Recharge triggers

Bulk Disbursement

Government transfers · Payroll · Aid distribution · Validation & controls

Merchant Collection & QR Acceptance

Agent-led QR flows · Collection orchestration · Settlement · Reconciliation

Product layer above subscriber infrastructure

Built from what's already running at scale.

The primitives and templates in Tapestry are not theoretical building blocks. They are abstracted from production deployments across all MobiFin solutions, and refined through real transaction volumes, real compliance requirements, and real edge cases.
Workflows like payment processing, KYC orchestration, commission logic, fraud detection, and settlement sequencing are already running. Tapestry packages that proven behavior into reusable, governed blocks you compose from instead of rebuilding.
As a result, you get financial products assembled from logic that has already been tested, audited, and deployed, across markets, segments, and regulatory environments.

See it live.

Live walkthrough with the team that built it. No slides required.

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