Luby Products
Finfy.
Luby's white-label financial platform
Digital accounts, payments, and lending under your brand, whether you are already regulated or launching through a regulated partner.
The problem
Launching a financial service costs years before it costs money.
The product you want to sell sits waiting for the infrastructure to be ready.
Anyone who decides to offer accounts, payments, or credit soon learns that the hard part is not the product. It is everything that comes first: the partner-bank agreement, fraud prevention, the account-opening pipeline, reconciliation, the back office, the audit trail.
Each piece comes from a different vendor, with a different contract and a different timeline. Your engineering team ends up wiring vendors together instead of building the business, and the launch date turns into an estimate that keeps moving.
The result
The operational ideal
What a financial operation needs on day one.
The solution
One platform in place of five vendors.
Finfy is Luby's platform for companies and institutions that want to run real financial services, already regulated or not, connected to the regulated partner that fits their model.
Under your brand
App, dashboard, and communications carry your identity. End customers see your brand, not Finfy or the partner supporting it.
Regulated or partner-backed
Works for institutions that are already regulated and for companies launching through a partner, without switching platforms midway.
Truly modular
Start with what the operation needs now. The other modules come in later, on the same foundation.
What's included
Six modules. You start with what the operation needs now.
Digital account opening and compliance (KYC/KYB/AML)
Account opening with document validation, liveness detection, and watchlist screening, for individuals and businesses.
Payments and money movement
Transfers, collections, and bill payments over the payment rails your partner supports, with settlement tracked end to end.
Personal and business digital accounts (white-label digital bank)
A complete transactional account under your brand, with statements, transfers, billing, and an app ready to publish.
Lending and advances (receivables, BNPL)
Origination, credit review, contract signing, and collections for the credit products your operation offers.
Operations back office
Customer-service console, reconciliation, limit management, and an audit trail for the team running the day-to-day.
Banking as a Service (BaaS)
The same capabilities exposed through APIs, so you can embed financial services in your own product.
Scale in production
Operating numbers, not pitch-deck numbers
active digital accounts
daily transactions
uptime over the last 12 months
API response time
Already running on it
Financial operations running today
Payroll lender
Payroll-deducted loans, advances, and operational control at scale.
Payments company
Part of a financial group
Accelerated go-live on instant payments, with white-label apps.
How it works
From designing the operation to a supported go-live, in four steps.
01
We design the operation
Which modules your product needs now and which come later. You leave with a scope, not a list of everything that exists.
02
We choose the regulated partner
Whether you are already regulated or launching through a partner. We help you choose when the decision is still open.
03
We configure and connect
Your brand, flows, and rules applied on the platform, connected to your systems and to the providers you chose.
04
It goes live and runs
A supported go-live, with monitoring, ongoing maintenance, and the Luby team backing the operation.
Anyone with customers who wants to offer them financial services.
- Fintechs chasing time to market
- Payment companies
- Software platforms embedding finance
- Lenders and finance companies
- Retailers and marketplaces
- Credit unions
- Companies with their own customer base
Security and compliance
A financial operation leaves no room for improvising.
ISO 27001 and 27701
Certified information security and privacy management.
Data-privacy compliance
Personal-data handling designed for the data-privacy regulations that apply to your operation.
Audit trail
A record of what was done, by whom, and when, across every sensitive operation.
Role-based access
Each back-office user sees only what their role requires.
Fraud prevention in the flow
Document validation, liveness detection, and watchlist screening during account opening.
Cloud infrastructure
AWS environment with redundancy and 99.95% uptime over the last 12 months.
Partners
Connected to the financial partners you choose
You choose the partners. Finfy connects to them, and we help with the decision when it is still open.
What changes in the operation
- A financial product live in months, not years
- Your own brand in front of the customer
- One vendor instead of five
- Back office and reconciliation in one place
- Predictable operating costs
- A team free to focus on what sets the business apart
See it in action
A 30-minute demo
We walk you through the modules, the connection to your regulated partner, and the path to go-live.
Built by Luby
Who built it and who runs it
Finfy is a Luby product. Luby is an engineering company with 24 years building financial, regulated, high-stakes systems in Brazil and the United States. ISO 27001 and 27701.
Frequently asked questions
What you need to know before booking a conversation.
Let's talk about your financial operation
One conversation with a Luby specialist. You leave knowing which modules your operation needs, how the connection to your systems works, and the path to go-live.