How Fintechs Partner with BIN Sponsors to Scale Globally

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BIN sponsorship enables fintechs to access card networks without holding a full card scheme licence. The sponsor bank provides regulatory oversight, network access, and transaction processing, while fintech focuses on innovation, user experience, and program growth.

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By partnering with BIN sponsors, fintechs can issue cards internationally, manage multi-currency accounts, and expand rapidly. Monavate enhances this process by managing card issuance, spend rules, reporting, and compliance. It acts as the operational and technological bridge between fintechs and sponsors, ensuring transactions are secure, efficient, and fully monitored.

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With Monavate, fintechs can scale globally with confidence, offering both physical and virtual cards, real-time controls, and full visibility into spending. This partnership model simplifies international expansion, reduces operational complexity, and allows fintechs to focus on growth while maintaining compliance and financial governance.

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