Consumer Brands

Embedded finance for any brand.

Layer’s Open Digital Banking Platform allows any brand offer financial products to their customers with ease.

Embedded finance for ambitious brands.

We work with consumer brands around the world to provide seamless financial products ensuring a total on-brand experience.

More than just banking.

Our platform enables you to offer a wide-range of innovative financial features and products turning your consumer brand into a Layer financial super app.


Money management with spending analytics and insights.


Gameify typical elements of banking to encourage customer engagement.


Reward your customers with deals and offers from local merchants.

Wealth Mgmt.

Empower your customers to reach their financial goals faster with our Wealth Management module.


More than just banking. Integrate any 3rd party service to allow your customers run their lives their Super App.


Easily support your customers on any channel with the Layer Chatbot.

Augmented Reality.

Bring your financial world to life with Layer’s Augmented Reality.


Banking on the go. Deliver all your banking services on any device.


Innovation Studio.

The Layer Innovation Studio allows you to easily create any user experience you want without the need for any dev work.

Unique user experiences

Granular user segmentation.

Layer Customer Segmentation is based on customer data within the Layer Data Warehouse. Customer data points such as demographic information or financial behaviour, enable Layer clients to define and create customer segments within the Layer Console.


Layer marketplace.

The Layer Marketplace allows you to easily integrate with innovators and market-leaders to extend your digital bank on our platform.

Customer Reviews

Delivering success

We did a thorough digital banking platform evaluation across the global market and found Layer to be the best platform, considering advancement in technology, richness of features, lowest TCO and speed of implementation.

Akosa Onyebuchi

Akosa Onyebuchi

Group CIO – UBA Bank

No more restrictions

A platform that allows brands offer seamless financial products.

As a trusted partner for brands around the world, Layer’s banking platform helps consumer brands improve their customer buying experience. We go completely under the radar, so your customers only know they’re shopping directly with you.

Reduce cost

Reduce cost

Stop paying intermediary fees for transactions and payments.

End-to-end user experiences

End-to-end user experiences

By owning the customer buying experience from search to purchase, you can dramatically improve the customer experience.



Build amazing user experiences using Layer’s Experience Studio.

Our platform supports over 25 million customers globally in 5 languages.

layer clients

Embedded finance, seamlessly integrated.

Schedule a 30 minute call and we’ll show you how.

The open banking engagement platform for innovative digital financial institutions and brands.