Secure Offline Interbank Rails Powering In-person Payments

SPIN is the shared offline payment rail allowing banks and fintechs provide offline transaction capability for their customers. Whether large or small scale, institutions can tap into revenue from transactions that would otherwise have been completed with cash.

Solutions

The complete offline payment infrastructure

SPIN integrates three layers: proximity payments, nth trasaction prevention, and cross-bank settlement in a single SDK your team embeds into your existing mobile app.

Offline proximity payments

Transfers between any two customers on the SPIN network across any participating bank without internet connectivity at transaction time.

Transaction & device security

Pre-authorized spending limits, hardware-backed key storage, and cryptographic signing.

Cross-border settlement

SPIN handles the FX execution so your customers can send and receive FX or local currency in their accounts.

Join a smarter payment network

One integration connects your customers to every bank, customize your operations, and the intelligence to make every payment smarter.

Payment Network

Industries

For institutions pushing the boundaries of what their customers can do

SPIN integrates three layers: proximity payments, nth trasaction prevention, and cross-bank settlement in a single SDK your team embeds into your existing mobile app.

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Banks & Neobanks

Transfers between any two customers on the SPIN network

PSPs & Mobile money

Transfers between any two customers on the SPIN network

Fintechs

Transfers between any two customers on the SPIN network

Crypto network & Exchanges

Transfers between any two customers on the SPIN network

Integration

Orchestrate payments and go-live in 5 minutes

SPIN integrates into your existing mobile banking app not as a replacement for your stack, but as a new capability within it.

  1. 1

    Execute the Network Participation Agreement

    The NPA governs rules between your institution and other member institutions

  2. 2

    Receive SDK access for integration

    Get credentials, a full sandbox environment and integration documentation for all backend endpoints.

  3. 3

    Embed SDK in your mobile app or POS device

    Add the SPIN SDK (native iOS, Android, or React Native wrapper) to your existing mobile app. The SDK handles permission management and pairing logic.

  4. 4

    Go-live

    Deploy to your customers and increase your revenue potential

FAQs

SPIN (Secure Proximity Interbank Network) is a shared payment rail that enables cross-bank offline payments so a customer at GTBank can pay a customer at 9PSB without either party going online.