We build it. We power it.We fund it.
Most companies rent their technology from one supplier, their payments from another, and their capital from a third. EXPI is all three. We build your platform, run the payments inside it, and when the build is out of reach — we pay for it ourselves.
The Closed Loop
Four functions that normally sit in four different companies. We run them as one circuit — where each stage funds the next.
We build the product
Mobile apps, web platforms, checkout, dashboards, back office — designed and shipped by our own engineers, not a subcontracted agency you never meet.
Ships with our payment rails already wired in →
Because we earn from the rails, the build doesn't have to arrive as a bill.
That is the whole advantage. An agency has to charge you everything up front, because the invoice is all they will ever get. We are still there on every transaction afterwards.
Four suppliers, or one loop
How it works today
An agency builds it, invoices up front, then disappears
A processor takes a cut of every sale, and has never met you
A bank holds the money, and built none of it
An investor funds the gap, for equity you spend on the agency
Four contracts. Four margins. Nobody accountable for whether the thing actually works.
How it works in the loop
One partner builds the product and owns whether it works
One set of rails we operate ourselves, so the margin stays in the loop
One account where revenue lands, settles and gets spent
One backer paid when you grow, because we hold the upside too
One contract. One partner. Paid properly only when the platform performs.
Three ways to pay for the build
Budget is not the qualifier. What matters is whether the business should exist.
Build
You fund the build
Fixed scope, fixed price. You own it outright from day one, and our payment rails come included rather than billed as an extra.
Build + Rails
The build pays for itself
A reduced build fee, offset against the volume we process for you. The more the platform earns, the faster it clears its own cost.
Build for Equity
We fund it entirely
For businesses with the market but not the capital. We cover the full cost of the build, run your payments end to end, and take an equity position instead of an invoice.
What we actually build
Mobile Apps
Native iOS and Android, shipped to the stores under your brand.
Web Platforms
Marketing sites, customer portals and internal tooling.
Checkout & Payments
Hosted or embedded checkout, subscriptions and payouts.
KYC & KYB Onboarding
Identity and business verification built in, not bolted on.
Dashboards & Analytics
Back office, reporting and real-time operational data.
Blockchain & Loyalty
Tokens, rewards and settlement on our own chain.
Every business is the same loop, wearing different clothes
A café takes payments at a table. A safari operator takes a deposit six months out. A fintech moves money it does not own. Different products — the same four functions.
Hospitality & Venues
High volume, low margin, and a card machine that takes three days to pay out. This is the sector the loop was made for.
Businesses like- QR ordering and digital menus
- EPOS and kitchen display
- Bookings, covers and waitlists
- Loyalty, gift cards and vouchers
Card-present payments, tips, split bills and settlement into your EXPI wallet.
Illustrative example of a build for this sector — not a live client.
Not on the list? The loop does not care what you sell. Tell us what you're building.
We are not an agency with a payments partner. We are a payments platform with an engineering team.
The loop only closes if you own every part of it. We do.
We run the money and payments layer
Business accounts, multi-currency wallets and settlement already in production — on rails held by our regulated partners, built into a product we own.
Cards under your brand
Visa card programmes issued through our licensed partner and embedded straight into your product.
Compliance is built in
KYC, KYB and AML flows we build and run to our regulated partners' standards — so your onboarding inherits them.
We ship our own products
The EXPI super-app, partner portal and investor platform are all built by the same team.