Open Loans

Open Loans have a flexible credit limit, where the credit limit can be dynamically set by a collateral account. For consumers without a credit history, this represents an effective means to build credit. It also enables you to create loan products that have very low barriers to entry, meaning low value loans at zero risk.

Revolving Loans

Revolving Loans have a fixed credit limit which is locked at any given point in time. With this loan type, you can build secured credit products, for example tied to a collateral account, or unsecured credit products not tied to a collateral account. A common use-case for Revolving Loans is issuing credit cards.

One-Time Loans

One-Time Loans are single disbursement loan products where funds are paid back in equal installments over time. A common use-case for One-Time Loans are Buy-Now-Pay-Later plans.

Cash Advances

Cash Advances are a one-time disbursement product with repayment often tied to a payroll disbursement, typically within a month’s time. Cash Advances can be a fast and convenient alternative to loans due to their simplicity and limited regulatory burden.

Create A User

POST /v3.1/users HTTP/1.1
X-SP-GATEWAY: client_id_xxx|client_secret_xxx
X-SP-USER-IP: ip_address
X-SP-USER: |fp_xxx
Content-Type: application/json

           "document_type": "GOVT_ID",
           "document_type": "MAILING_ADDRESS",

Open a Credit Account

POST /v3.1/users/user_id/nodes HTTP/1.1
X-SP-USER-IP: ip_address
X-SP-USER: oauth_xxx|fp_xxx
Content-Type: application/json

   "type": "LOAN-US",
   "info": {
       "loan_type": "OPEN",
       "nickname": "My Loan",
       "interest": {
           "apr": 10,
           "cap": 5
       "document_id": "user_doc_id",
       "reserve_node_id": "node_id",

After that, you can choose to link ACH, Wire, Interchange and many more account types to disburse funds or collect repayments and/or issue cards for a more holistic credit card or charge card experience.

Robust Features

Card Issuance

Instantly issue card numbers on top of deposit or credit accounts, then load them into any mobile wallet of choice and/or ship a physical card with various shipping and card styling options, including metal.

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Remote Deposit Capture

Deposit third-party checks into deposit or credit accounts via our Remote Deposit Check feature for repayment.

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Check Issuance

Issue checks backed by deposit or credit accounts for traditional bill payments.

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Card Processing

Instantly fund accounts with any debit, prepaid or credit card. Instantly disburse funds to any debit or prepaid card-backed account for faster access to cash.

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Cash Access

Enable your customers to deposit or access cash in their deposit accounts via ATMs and popular convenience stores like 7-Eleven and Walgreens.

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Bill Pay

Enable your customers to pay bills to thousands of vendors through our RPPS Integration.

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Credit Builder

Enable your individual or business customers to build credit.

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Enable auto-pay for ease of repayment without the need to manage payment installments.

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Flexible Collateralization Options

Collateralize loans via customer deposits, your balance sheet or via a debt facility through our partners, or your own debt providers.

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Use our Webhooks infrastructure to stay up-to-date on your user accounts.

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AC/RT Issuance

Issue unique account numbers on top of deposit accounts to enable ACH and Wire transactions in and out of accounts for other platforms like Venmo, Lyft, PayPal, etc.

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Yotta partnered with Synapse to expand its offerings in order to respond to customers’ requests for credit cards instead of debit cards and higher interest rates on their savings accounts. Now Yotta is offering valuable products across both hubs: Deposit Hub and Credit Hub.

Credit Hub Pricing

Get started with tailored solutions, custom pricing, and dedicated support for your team.

Competitive on total cost of ownership.

Comprehensive with built-in core banking, payment rails and risk/compliance infrastructure. Pricing represents all you need to launch fully featured credit products.

Pricing is customizable to meet your needs.

Components may include:

Monthly subscription fee
This fee varies based on features enabled and overall business risk, in addition to the level of other fees in this list.
Per user fees, which decrease with scale
Share of rebates on deposits
Share of interchange revenue

To learn more, please contact us.

Explore more Synapse products

Deposit Hub

Deposit Hub is a feature complete, deposit and payment platform that enables you to build various account-centric product experiences, including: Cash deposits, For-Benefit-Of Sub-accounts, Custody accounts, and Clearing accounts.

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