Instant issuance
Virtual cards issued at account opening — provisioned directly to digital wallets. Your clients are transacting before they leave the onboarding session.
Consumer / Cards & payments
Virtual cards. Instant issuance. Virtual cards. Instant issuance. Total control.
Issue virtual debit and credit cards at the moment of account opening — provisioned to digital wallets before the session closes. Real-time spend controls, freeze/unfreeze, and merchant restrictions for your consumer clients. Top-of-wallet from day one.
Consumer Cards & Payments
Instant issuance • Digital wallets • Spend controls • Fraud protection
Card capabilities
Beyond the standard cards. Beyond the standard cards. Built for modern life.
Improved security
Each virtual card has unique card details — protecting the primary account if any card is compromised. Temporary or purpose-driven cards can be created for single transactions.
Expenditure management
Clients establish tailored spending limits and expiration dates for every card — maintaining real-time financial control through the banking app.
Simplified card control
Create, freeze, unfreeze, or delete cards through the banking app at any time. No call to the contact center required.
Credit pre-qualification
Loquat enables credit card pre-qualification during account onboarding — with no impact to credit scores. Clients view tailored credit offers within minutes.
Top-of-wallet from day one
Real-time tokenization drives instant engagement — increasing card activation rates, client stickiness, and interchange revenue from the first transaction.
Cards & payments agents
How the agents work for consumer transaction How the agents work for consumer transaction
Every card interaction — issuance, spend, fraud evaluation, and settlement — is coordinated by four intelligent agents operating in parallel.
Transaction protection
Onboarding & identity agent
01Maintains verified identity context across all cardholders and devices - ensuring every transaction is tied to a trusted profile.
Risk & decisioning agent
02Applies real-time behavioral fraud scoring to every transaction — approving, declining, or flagging within milliseconds.
Account & activation agent
03Executes transaction routing, settlement, and card controls. Enables real-time spend limits, merchant restrictions, and instant card lifecycle actions.
Implementation agent
04Captures requirements from discovery and delivers a complete integration plan covering KYC/KYB, beneficial ownership, core banking, and card rails. Builds, tests, and deploys end-to-end with a live dashboard, SOC 2 Type II controls, and automated rollback on failure.
Real-time
processing
Continuous
fraud monitoring
Instant
controls
QUESTIONS & ANSWERS
What institutions What institutions ask most
Loquat seamlessly integrates with your financial institution’s existing core systems and digital banking platforms to enable instant virtual debit card issuance at the moment of account opening. Our platform also supports real-time tokenization, allowing you to provision cards to Apple Pay, Google Pay, and other wallets immediately — driving instant engagement and top-of-wallet status from day one.
It’s considered best practice to issue a debit card at the time of account opening to increase activation rates and client stickiness. With Loquat, your clients can start transacting within minutes, while your financial institution benefits from enhanced interchange revenue, higher product adoption, and improved digital engagement.
Our cards are purpose-built for consumer and business use, offering flexible controls, role-based permissions, and robust security features — far beyond the limitations of traditional consumer card programs.
In addition to instant debit card issuance, Loquat enables your financial institution to offer credit card pre-qualification during account onboarding — helping you identify eligible clients early in the relationship. With no impact to credit scores, clients can view tailored credit offers within minutes, boosting engagement, deepening wallet share, and accelerating product adoption from day one.
Virtual cards are issued instantly upon account opening, allowing your consumer and business clients to begin using them immediately for transactions without waiting for physical cards to arrive.
Yes. While virtual cards provide immediate access to funds, companion physical cards can also be issued to clients that prefer having a tangible payment option.
Each virtual card has unique card details — card number, expiration date, and security code — which keeps the primary account secure if a card is compromised. This limited exposure model protects clients' credit card information from potential fraud and data breaches during online transactions.
Yes, virtual cards can be designated for use with specific merchants only, adding an additional layer of security and control over business spending.
Yes, Loquat's platform allows for the creation of one-time-use virtual cards, which are ideal for single purchases where enhanced security is desired.
By offering Loquat's virtual card solution, you can enhance your competitive position in the consumer and business markets with an innovative, secure, and convenient payment option that meets the evolving needs of your clients. This can help attract new consumer and business clients and strengthen relationships with existing ones.
Your competitors are not waiting for your next budget cycle
Request a 30-minute executive briefing. We will walk your leadership team through a live demonstration, a preliminary assessment of your integration requirements, and a realistic picture of what deployment looks like for an institution of your size. No prior commitment required.
Request a briefing