Treezor’s white label solution enables creative banking

A white label solution from Treezor, the European Banking as a Service leader, helps individuals and businesses to embed financial services into the client experience, enhance banking business offerings, and accelerate the digital transformation of payments.
Treezor’s white label solution enables creative banking
The Client
The European Banking as a Service leader
End customer
  • Individuals
  • FinTech companies and large businesses

The Brief

Treezor allows any FinTech company or large business to accelerate their banking projects by outsourcing payment needs. Any company that uses Treezor can rely on the solution’s regulatory, security, and technical expertise to embed payments smoothly into their customer journey.


Apple Pay and Google Pay
Log in with Touch ID & Face ID
Profile view
Information editing
Languages support – English, French
Change password
List of wallets
List of cards
Card details
Card issue status
List of transactions
View transaction details
Card replenishment using any bank card in the Treezor application
Sending money to IBAN accounts
Sending money with templates

Project Management Methodologies

Treezor was a non-standard project, and it involved a lot of effort in terms of project management. The development approach differed from our usual approach. In this case, we worked according to an Agile methodology.
First, we launched a two-week zero sprint (the beginning of the discovery phase), as a result of which we formed a backlog in order to involve developers starting from the next sprint. We did not first conduct a long discovery phase prior to development.
Immediately after the zero sprint, we launched two processes in parallel: the development team dealt with tasks from the backlog while the discovery phase continued. We continually collected requests from the client, immediately described them, and gave them as tasks to the developers.
We successfully implemented an Agile development methodology with short iterations resulting in deliverables from developers.
In addition, we worked on a risk and impact matrix as part of our project management. This gave us the opportunity to work closely with the client’s internal team and regularly receive from them the information necessary for project development.


Mobile development
Frontend and backend development


Project management

Business analysis

Solution architecture


Mobile development

Backend development

Quality assurance



We held a series of preparatory workshops with the participation of our CTO, head of engineering, and product owner. We also had three-way meetings with Treezor representatives and Treezor’s first potential customer, Tifo. At these meetings, we worked out the scope in detail and defined the roles and areas of responsibility for the project.

In addition, we held a three-week zero sprint, during which, with the participation of a small team, we worked out the UI/UX concept, studied the API, created a roadmap, and set priorities.


We needed to work with legacy code without up-to-date documentation. Our efforts to keep the code clean will greatly help future developers add functionality, as they will be able to easily read and scale the code. We created a convenient folder structure with images in one place, resources in another, and code in a third.

The application turned out to be a convenient constructor in which desired functions can be used and unnecessary functions can be dismissed. The application is easy to customize by changing colors and adding languages and logos.

We worked with the client’s existing Treezor SDK (core banking solution) and Treezor Connect systems, which were in the process of being finalized and were sometimes unstable.
Another challenge of this project was that we needed to effectively interact with the client’s internal team in order to quickly and efficiently move through the project. This is an achievement we shared with the internal Treezor team.
During project development, the client’s priorities often changed, and it took a lot of effort to competently manage all tasks and satisfy the client’s needs.
The last challenge was a tight development timeline. We only had two months to prepare the first demo presentation of the results.

Team performance

The team reached a size of 15 people, which caused some difficulties in terms of management. At the same time, working on this project was quite an interesting experience for all participants in the product development process.
We had an inspiring experience working with a technical lead on the client’s development team.

Results: Mobile app artifacts

White label solution (web and mobile for both Android and iOS)
Mobile application according to Treezor’s guidelines. A mobile app doesn’t just have to run. It has to be scalable. We used the StoryBook library so that all application components are standard and easily customizable
Specification, mind maps, and BPMN (Business Process Model and Notation) diagrams. We collected requirements and a list of features for the application
Fully documented API SDK
Customizable constructor with which FinTechs and large businesses can take our client’s repository and embed it in their project or remake it and get a full-fledged banking application
User interface
The client was thrilled by the product’s many design advantages. For the visual part, we took top solutions from the design concepts of well-known banking companies and showed them to the client to choose from. As a result, we got a modern and solid application design.
The client was pleased with the MVP we created. After completing this project development stage, the client continued to work on the project with the help of their own in-house team according to our development artifacts.

Example of Treezor’s White Label Solution in Use – Tifo

Tifo demonstrates a successful implementation of Treezor’s white label solution
Tifo is a platform with built-in payment cards that helps sports clubs and their members manage participation, ensures simple payments, improves communication among all participants in the sports industry, and generally strengthens the sports community.

Tifo received Treezor cards for sports fans and members. Application users can buy cards for themselves and their children who play football, and with the help of these cards, they can buy tickets to events. Treezor provided capabilities for creating custom cards with custom designs and different monetary limits.

What does the Tifo mobile application consist of?

From Treezor, Tifo received processing capabilities and a mobile application — a prime example of implementing flexible card management capabilities.
Card management functionality:
  • Creating a card
  • Deleting a card
  • Ordering delivery of a physical card to an address
  • Changing a PIN
  • Blocking and unblocking a card
  • Viewing card transactions
  • Internet payments
  • Viewing CVV codes
  • Creating a wallet with multiple cards
  • Peer-to-peer transactions
  • SEPA payments
Read here to find out more about the Tifo application.
You can also enhance your business offering thanks to Treezor’s white label solution. It provides multiple financial services and endless possibilities to support your projects. All of this with only one contract, one API, and one integration.
Regardless of your project, Treezor’s solution offers a wide range of services and can support you throughout the entire payment cycle, from receiving to issuing payments.

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