80–90%
Lower funding costs
replacing card rails with direct bank transfers
Remittance
Move money faster, cheaper, and without the back-office burden
Cut funding costs by up to 90%, automate KYC, verify recipients instantly, and disburse in minutes — built for GCC remittance providers.
Trusted by leading remittance providers
The Challenge
Thin margins, high costs, and manual ops are holding remittance back
Remittance providers operate on thin margins, with card rails eating 1.5–3% per transaction, manual source-of-funds checks delaying activation, and incorrect IBANs causing failed transfers.
≥80%
KYC auto-accept rate
with Lean bank data reducing manual reviews by 60–80%
<5 min
Median onboarding time
from signup to first remittance-ready status
The Solution
End-to-end infrastructure for every stage of the remittance journey
Lean streamlines the entire remittance lifecycle: bank data auto-populates KYC at onboarding, direct bank payments replace card rails at funding, payouts are routed to verified recipient IBANs at disbursement, and reconciliation automatically matches every incoming transfer.
Up to 90% lower cost
Direct bank rails replace card networks on every transaction
Automated KYC
Bank data verifies identity and source of funds without manual review
Pre-verified recipients
IBANs confirmed before transfer — fewer failed sends and refunds
Auto-reconciliation
Incoming transfers matched automatically, no exceptions backlog
Use Cases
Five integrations across the remittance journey
Low-Cost Remittance Funding
Pay-by-bank replaces card rails: 80–90% cost reduction, instant settlement.
Automated KYC Onboarding
Bank data auto-verifies income and address: ≥80% auto-accept, onboarding in <5 min.
Recipient IBAN Verification
Validate beneficiary IBANs in real time before transfer — fewer rejections and refunds.
Remittance Disbursement
Programmatic payouts to verified accounts: 70% fewer failed transfers, 80–90% lower cost.
Reconciliation & Manual Transfer Support
Auto-match incoming deposits: 60–80% fewer reconciliation exceptions.
Retail Payments
Cut funding costs by up to 90% with pay-by-bank
Lean replaces card deposits with direct bank transfers — lower cost, instant settlement, automatic reconciliation. No chargebacks. No settlement delays. Bigger margins on every transfer.
Open Banking Data
Automate KYC with verified bank data
Lean's data APIs achieve ≥80% KYC auto-accept rates, reducing manual review workload by up to 80% and cutting onboarding time to under 5 minutes.
Payouts & Account Verification
Disburse to verified recipients in minutes
Lean verifies recipient IBANs before any disbursement and routes payouts directly to the destination account — fewer failed transfers, lower support volume, near-instant settlement.
Ready to lower costs and accelerate every transfer?
Talk to our team about integrating pay-by-bank, automated KYC, and instant disbursements into your remittance platform.
Book a demo