Launch. Scale. Lead.
The financial services world moves fast - but licenses, integrations, and compliance can drag you down.
Why spend years navigating complexity when you could be in-market within months?
With OMNEA, you unlock:
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Instant access to financial infrastructure with no need to build from scratch
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Pre-integrated banks & service providers providing connections at your fingertips
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Compliance covered to simplify regulatory obstacles
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Speed to market allowing you to focus on innovation, not administration
Don’t get stuck in the queue.
OMNEA is your launchpad to financial innovation.
Our Infrastructure
Direct Payment Infrastructure Without Traditional Dependencies
Most fintechs today rely on bank sponsorships or limited payment rails. Omnea PaaS is fully aligned with SARB's Payments Ecosystem Modernisation (PEM) Programme and activity-based licensing framework, enabling non-banks to participate in the National Payment System without fragile sponsor-bank dependencies — providing the live and compliant path to PEM.
What you get today: Full payment processing, regulatory compliance, custody services, and real-time settlement — all the capabilities you'd expect from direct central bank access. When SARB opens direct access in 2026, you'll seamlessly upgrade to even deeper integration.
No More Bank Dependencies
Skip the traditional bank sponsorship model. Launch your fintech with full payment infrastructure, compliance, and settlement capabilities through Omnea's proven CORTEX-powered platform.
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10 clients live and operational
20+ integrations with banks, PSPs, VAS providers
Collateral‑backed payments with real‑time, final settlement inside administered accounts.
Full compliance & custody services facilitated via licensed administered accounts; Omnea does not hold customer funds.
Proven track record with millions of transactions
Proven at Scale
Our infrastructure isn't theoretical – it's processing real payments, managing real compliance, and serving real customers across multiple sectors every day.
Shared Infrastructure Model
PaaS services run on our proven shared infrastructure. Need your own dedicated instance of CORTEX and integrations? Let's talk.
Layered Architecture
While others promise future solutions, Omnea delivers proven infrastructure today.
The Omnea Advantage
Who We Serve
From emerging fintechs to established enterprises, Omnea powers diverse embedded finance use cases.
Credit Providers & Lenders
Disburse funds into accounts under your control, not external banks. Retain customer balances for upsells, transaction monetisation, and deeper engagement.
Micro-lenders with ecosystem accounts, BNPL platforms, credit card providers
Payment Acquirers & PSPs
Settle merchant funds into your own account infrastructure. Enable suppliers payments, staff payments, and tax settlements while earning transaction fees on every flow.
Merchant acquirers, payment processors, digital payment platforms
Retailers & Enterprises
Launch embedded finance with closed-loop accounts. Disburse store credit and loyalty rewards while ensuring spend stays within your ecosystem.
Retail credit programs, loyalty platforms, corporate treasury solutions
Government Entities
Direct disbursement of grants, subsidies, and benefits with full compliance and audit trails.
Social grants, subsidy payments, municipal services
What You Can Offer Your Customers
With this solution, tenants can offer their customers accounts, in their own names with multiple payment acceptance, payment disbursement and VAS services - even offer interest on positive balances if they wanted to.
Whatever your idea, we can help you.
Customer Accounts
Offer your customers administered accounts* under your brand.
(held in licensed custody).
Payment Acceptance
Multiple payment methods and acceptance channels for seamless transactions.
Payment Disbursement
Flexible disbursement options with real‑time, gross settlement between administered accounts, not interbank settlement.
Value-Added Services
Offer interest on positive balances, rewards, and additional financial products.
*Administered accounts refers to accounts held and managed by licensed administrative FSPs or nominees. Omnea provides the integration and automation layer but does not hold or operate customer funds.
Real-World Use Cases
Micro-Lender Ecosystem
A micro-lender disburses into its own ecosystem account, enabling repayment reminders, insurance upsells, and merchant cashback offers.
Key Benefits
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Increased customer engagement
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Insurance product upsells
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Transaction fee revenue
Payment Acquirer Account
A payment acquirer settles into its own merchant account, allowing merchants to pay suppliers, staff, or taxes from the same account.
Key Benefits
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Transaction fees on every flow
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Supplier payment revenue
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Enhanced merchant stickiness
Retail Credit Ecosystem
A retailer with a credit book disburses store credit into a closed-loop account, ensuring spend stays in their ecosystem.
Key Benefits
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100% spend retention
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Cross-product opportunities
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Enhanced customer loyalty
See how forward-thinking organizations are using Omnea to retain control of funds and unlock new revenue streams.