Deploy Loan Proceeds Directly to Borrowers Phones

API-driven infrastructure enabling lenders to provide immediate access to approved installment loan proceeds via a virtual credit credential.

Targeting availability in Q2 2026

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Direct-to-Device Access via One Simple API

Low-Latency Deployment for Modern Lending

  • Generate a virtual credential

  • Deliver approved loan proceeds directly to a borrower’s mobile device.

  • Enable borrower spending without physical cards or multi-day ACH delays.

Key Features

Virtual Card Generation
Create and activate virtual credentials with a single API call.

Low-Latency Loan Deployment
Trigger loan funding automatically upon approval events you control.

Card Safeguards
Equip your program with standardized usage rules and merchant category (MCC) restrictions.

Lifecycle Controls
Govern active duration parameters to control how long borrowers have access to the approved funds.

Frequently Asked Questions

  • What does this product do? We provide an API-first product that enables installment lenders to deploy approved loan proceeds to their borrowers' phones via a virtual credit credential.

  • This product is designed for consumer installment lenders seeking to deploy loan proceeds via card infrastructure without establishing their own issuing program.

  • Lenders should have an existing lending approval workflow and the ability to integrate with APIs. Our team works with you to ensure alignment during onboarding.

  • Beyond allows you to configure program-level usage parameters, including merchant category restrictions and defined active duration timelines for issued cards.

  • Targeting Q2 2026