Built by fintech operators. Designed for fintech builders.
Keel is a fintech platform that helps businesses launch and scale regulated financial products through a single infrastructure provider.
Our team has spent years building and operating regulated financial products. That first-hand experience gave us a deep understanding of the challenges businesses face when bringing financial services to market: regulatory complexity, fragmented technology providers, operational overhead and lengthy implementation timelines.
Today, Keel combines that operational expertise with regulated infrastructure, providing the platform businesses need to launch, manage and scale products with confidence.
Our new MCP endpoints let your team and your users talk to the Keel platform directly.
Keel provides the infrastructure required to build and operate modern financial products through a single API integration.
Rather than integrating multiple providers for payments, accounts, cards, compliance and operational tooling, businesses can access everything through one platform, one relationship and one API.
Our platform combines core financial services with the operational capabilities needed to manage them effectively, helping businesses reduce complexity, accelerate delivery and streamline ongoing operations.
Your engineering team never needs to talk to a bank, card network or FX platform directly. Keel does, behind stable provider-agnostic contracts. Integrate once against Keel's API and receive, from day one:
- Accounts
- Cards
- Direct Debit
- FX and multi-currency
- Payments
- Operational tooling
We believe financial infrastructure should accelerate innovation, not slow it down. Our mission is to make regulated financial services more accessible by combining technology, operational expertise and trusted infrastructure into a platform that helps businesses build with confidence.
Trust and regulatory compliance are fundamental to financial services. Keel provides the foundation businesses need to operate with confidence.
Keel is authorised and regulated by the Financial Conduct Authority, operating under a robust regulatory framework designed to protect customers and maintain the integrity of financial services. Obtaining and maintaining regulated status independently can require significant investment, specialist expertise and ongoing operational commitment.
By building on our infrastructure, businesses can access the benefits of a trusted regulatory framework. Our platform incorporates the compliance controls, governance standards and operational processes required to support our regulated financial services, helping to simplify your own compliance procedures.
Keel is authorised and regulated by the Financial Conduct Authority as an electronic money institution. Keel provides e-money accounts.
In accordance with the Electronic Money Regulations, Keel safeguards relevant customer funds by keeping them separate from its own funds in designated safeguarding accounts with authorised credit institutions.
Funds held in connection with Keel's electronic money services are not protected by the Financial Services Compensation Scheme (FSCS). If Keel were to become insolvent, safeguarded funds are treated differently from deposits held with a bank. Although safeguarding is intended to protect relevant customer funds, access to those funds may be delayed during an insolvency process and the costs of the insolvency practitioner may be deducted in accordance with applicable insolvency law.
For further information about safeguarding and how it differs from FSCS protection, please refer to the FCA's consumer guidance https://www.fca.org.uk/consumers/using-payment-service-providers.
Keel is a Visa Principal Member, giving us direct access to Visa's global payments network and enabling us to issue Visa cards through our own programme infrastructure. For our customers, this creates a more efficient route to launching card products without the complexity of establishing direct scheme membership or coordinating multiple third-party providers. Businesses can launch physical and virtual card programmes while benefiting from streamlined implementation, direct scheme connectivity and experienced programme management.
Five reasons to build with us
All-in-one infrastructure
Accounts, payments, card issuing, open banking, compliance tooling and operational management — all in a single platform.
Modular by design
Use the capabilities you need today and expand as your requirements evolve. Implement individual services or combine them into a complete end-to-end solution.
Faster time to market
Launch products using proven infrastructure rather than building and managing complex integrations from scratch.
Reduced operational burden
Keel consolidates critical infrastructure and operational capabilities into a single platform, helping teams focus on growth rather than administration.
Designed to scale
Whether you're onboarding your first customers or supporting significant transaction volumes, Keel provides the infrastructure needed to grow with confidence.