FINTEL: Telecom built into your fintech app
Launch local mobile plans and global eSIM data under your brand, on our licences, through one API.
No setup or API fees. Live in weeks.
- Licensed in 6 markets (USA, UK, Canada, Australia, India and UAE)
- GDPR, SOC2 Type II and VAPT
Customers come back every month
Every top-up brings them into your app, with usage insights you can act on.
A new revenue line
A margin on every plan, plus cross-sell for cards, FX, insurance and lounges.
Launch on our licences
No MNO negotiations or regulatory approvals, saving capex and opex. Licensed in the USA, UK, Canada and Australia, with a DoT NOC in India and a TDRA SIM trading licence in the UAE. PCI DSS certification in progress.
What Is FINTEL?
FINTEL is fintech plus telecom. It means your customer gets their account, their card and their phone line from the same app. Leading fintechs such as Revolut and Nubank already offer mobile plans in their apps. With Zetexa, any fintech can do the same without building a telecom business.
Start With Local eSIM Plans
A travel eSIM is used a few times a year, whereas a local plan is used every day. With Zetexa, you can offer prepaid local plans with a real number in the USA, Canada and the UK, with Australia coming in December 2026. Your customers can set them up from home before they move, with no contract and no credit check. They can keep their existing number with number porting. This means you can win newcomers, students and new arrivals before they land, and give them the number they need to open their account with you.
Launch on Our Licences
Zetexa holds telecom licences in the USA, UK, Canada and Australia, a DoT NOC in India and a TDRA SIM trading licence in the UAE. You launch on our licences instead of applying for your own. This saves capex and opex, and skips months of negotiations with mobile operators and approvals from regulators. You focus on your customers while we handle the telecom side.
What fintechs and neobanks get
Bundle global SIM packs directly into your existing app or card flow — no separate download
Wallet-based billing that mirrors how your app already handles balances and top-ups
One eSIM for the world: Works in 200+ countries with lifetime validity, so customers top up the same eSIM for every trip
White-label activation — your brand throughout, Zetexa invisible behind the API
Usage and revenue dashboards to measure the feature's contribution to engagement
Fast integration against a documented, wallet-native API pattern
Multiple networks in every country: Access to 300+ mobile networks and 450+ MNOs/MVNOs through a single API, with more than one network in each country so customers stay connected
Local eSIM plans: A real local number in the USA, Canada and the UK, with Australia coming in December 2026, set up before departure. Keep your existing number with number porting
Long-term SIMs: For customers who live, study or work abroad
SMS and calls in 77 countries: Customers stay reachable while they travel
Custom eSIM plans: From 50 MB to unlimited data, valid for 1 to 365 days
No setup or API fees: Buy at wholesale, set your own prices and keep the margin
Ride on our licences: No telecom licence, carrier contracts or regulatory approvals needed to launch
Keep Your App With the Customer for the Whole Trip
Green Zone
Essential services stay connected even when the data pack runs out, so customers are never stranded and support tickets drop.
Zero-rated apps
Your app works without using the customer's data balance, so payments, card controls and support are always reachable.
Your brand as the network name
With a custom SPN (service provider name), your name appears next to the signal bars on your customer's phone.
Location-based triggers
With consent, know when your customer lands or moves between cities, and offer a data top-up, lounge access, fast track, insurance or forex at the right moment.
Control and Security Built In
Fair usage policy (FUP) control
Configure and control usage policies for unlimited plans.
Hotspot control
Manage hotspot use through the API.
Critical A2P messaging
Deliver critical application-to-person messages to every SIM you issue, in 200+ countries.
Fraud detection
Identify when multiple eSIMs are installed on the same device.
API-first
Manage plans and connectivity through simple APIs, with no BSS (billing and support systems) to build.
Add Connectivity to the Journeys You Already Run
At sign-up
Offer a local number while the customer opens their account.
Every day
Let customers pay their phone plan from their account, and use rewards to cover the bill.
Before a trip
Sell travel data on the same eSIM, next to your card and FX offers.
Abroad
Keep your app working and send the right offer when the customer lands.
After a move
Continue the relationship with a long-term SIM.
How connectivity ships inside a fintech app
- 1
Design the in-app entry point — a card benefit, a standalone purchase, or both
- 2
Integrate the API against your existing auth and wallet/balance system
- 3
Set plan pricing and destination coverage to match your customer segments
- 4
Launch, then track redemption and revenue from the dashboard to tune the offer
Build vs. integrate
| Capability | Zetexa | Building In-House |
|---|---|---|
| Time to ship | Weeks against a documented API | Months to years standing up carrier relationships |
| Ongoing operations | Zetexa manages the network layer | In-house team manages carrier contracts and support |
| Billing integration | Wallet API mirrors your existing balance system | Separate billing system to reconcile |
| Coverage | 200+ countries, 300+ networks, 450+ MNOs/MVNOs from day one | Built out market by market |
| Compliance | GDPR, SOC2 Type II, VAPT; licensed in the USA, UK, Canada and Australia, DoT NOC (India), TDRA SIM trading licence (UAE); PCI DSS in progress | Compliance program built and maintained in-house |
| Partner scale | Infrastructure carrying live production traffic today | Unproven at scale until built and tested |
| Local mobile plans | Licensed local plans in the USA, Canada and the UK, ready to launch under your brand | Telecom licences and carrier deals in each country |
| Licences and approvals | Launch on Zetexa's licences in the US, UK, Canada, Australia, India (DoT NOC) and UAE (TDRA) | Apply for telecom licences and MNO approvals in each market |
| Upfront cost | No setup or API fees; pay wholesale as you sell | Heavy capex and opex for core network, BSS and compliance |
How Do Fintechs Earn With FINTEL?
Every top-up brings your customer back into your app, so connectivity drives repeat visits. With consent, usage data gives you insight into travel and spending patterns. Telecom products are a new revenue line: a margin on every plan you sell and recurring monthly revenue from local plans. They also open cross-sell for cards, FX, insurance, lounges and loans at the right moment.
Trust & compliance
Zetexa's infrastructure is built to the standards fintech partners are already held to: GDPR, SOC2 Type II and VAPT-audited, with telecom licences in the USA, UK, Canada and Australia, a DoT NOC in India and a TDRA SIM trading licence in the UAE. PCI DSS certification in progress. For a fintech evaluating a third-party integration, this means the connectivity layer meets the same bar your own compliance team applies to any vendor touching customer data or payments.
This isn't unproven infrastructure built for a single use case — it's the same network layer already routing connectivity across travel, telecom, and enterprise mobility, with 1,800+ flexible SKUs and always-on coverage with automatic failover. A fintech integrating this API is building on top of infrastructure carrying live production traffic today, not a bespoke build being tested for the first time on their app. Our local plans already serve 54,000+ customers through our own brand, Unlimit Mobile.
flexible SKUs
Preguntas que nos hacen nuestros partners
Through the same wallet-based billing API — your app can fund and debit the connectivity balance using the same pattern it already uses for other in-app spending.
No — the wallet-based API is designed to integrate with your existing app or card infrastructure without requiring in-house telecom expertise.
Yes — you can offer it as a free perk bundled into your app or card tier, or as a paid feature customers purchase directly, depending on how you want to position it.
Most partners integrate the API and launch within a few weeks, following a documented, wallet-native API pattern.
Zetexa's platform is GDPR-compliant and SOC2 Type II and VAPT audited, meeting the security bar fintech partners typically require of third-party vendors.
FINTEL is fintech plus telecom: your customers get their account, card and phone line in one app, under your brand. They come back to your app every time they top up, giving you repeat visits, usage insights and new telecom revenue.
Local plans are available in the USA, Canada and the UK, with Australia coming in December 2026, and travel data is available in 200+ countries.
Yes. Customers can port their existing number to your plan in every country where we offer local plans.
No. You launch on Zetexa's licences in the USA, UK, Canada and Australia, with a DoT NOC in India and a TDRA SIM trading licence in the UAE, so there's no need to negotiate with operators or seek regulatory approval to start.
PCI DSS certification is in progress and expected soon. The platform is already GDPR-compliant and SOC2 Type II and VAPT audited.