LotusCopied!

Lotus is Girasol’s next-generation, in-house card issuing processing platform — built from the ground up to serve the needs of modern financial institutions and fintech innovators.

Designed for partners who want direct connectivity with major card networks (Mastercard, Visa, Amex), Lotus supports programs under both Principal Member and Affiliate/Associate licenses. 

Perfect for:

• New issuers seeking a streamlined path to certification with the network and launch a card program

• Existing institutions migrating away from outdated processors that can’t support features like tokenization or digital wallets

Example

 A leading bank in The Bahamas wants to launch a new Mastercard debit card with advanced tokenization. Their current processor lacks certification and technological capability. By moving to Lotus, they gain access to a certified, modern, and scalable platform that unlocks the full potential of Mastercard’s ecosystem.

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Co-Applicant / BIN SponsorshipCopied!

Our Co-Applicant / BIN Sponsorship solution provides a seamless, end-to-end path for partners to launch white-label card programs—without needing a direct license from Mastercard. Built on our powerful Lotus processing platform and real-time ledger infrastructure, this solution enables partners to issue both virtual and physical cards under Girasol’s Principal Membership with Mastercard. We take care of the licensing, compliance, and backend tech—so you can focus entirely on product and user experience.

Perfect for:

• Fintech wallets wanting to embed virtual cards directly into their app 

• Program managers expanding into new regions with customized card offerings

Example

 A fintech startup in Curacao is launching a digital wallet for gig workers and wants to offer virtual debit cards linked to user balances. Instead of applying for a costly and time-consuming network license, they use Girasol’s BIN sponsorship to launch fully branded Mastercard virtual cards within weeks—seamlessly integrated into their app experience.

*This model is subject to regulatory and network approval based on the market/region. 

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Wallet SolutionsCopied!

Girasol offers a flexible suite of wallet solutions designed to help you launch faster, scale smarter, and deliver exceptional digital experiences to your users.

From white-label wallet apps and teen banking solutions to referral programs, crypto wallets, and custom web portals, we provide the tools and expertise to bring your vision to life. Whether you need a full end-to-end solution, a frontend interface, or modular components to enhance an existing product—we tailor our approach to fit your business needs.

Perfect for:

• Fintech startups looking to launch a wallet app without heavy upfront investment or technical resources

•  Traditional banks seeking to revamp or replace outdated mobile banking experiences

Example

A regional correspondent banking partner with an aging mobile wallet wants to offer users a faster, more modern app with built-in card access and loyalty features. By partnering with Girasol, they deploy a sleek, secure, and fully branded wallet within weeks—without having to build it from scratch.

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Other SolutionsCopied!

Beyond cards and wallets, Girasol offers a wide range of complementary solutions to help our partners build more complete and competitive financial ecosystems. These include:

• Bill payment platforms

• Acquiring services

• Value-added services such as KYC validation, tokenization, POS certification, and POS terminal acquisition

• Crypto-related services

Whether you're expanding an existing product or building something new, our team is here to support your journey.

Contact our sales team to explore how these solutions can be tailored to your specific business needs at [email protected]