Launch a Secured Credit Card with Zero Hassle

Pesto launched the first asset-backed credit card. Now, we empower brands to launch their own revolving, secured credit cards, all with the infrastructure we use ourselves.

The Pesto Collateral Operating System

When consumers can use their collateral for credit, a whole new world of opportunity opens. For them and for you.

Virtual Assets

Physical Items

Inventory

Build a Credit Card Program Fast

Let's simplify fintech

Bring together different collateral and loan products, supported by adaptable interest options, all in one integrated framework.

The Future of Credit Cards

Unlock speed and innovation with our mobile-first approach.

End-to-End

We guide you through product design, underwriting models, and go-to-market planning—setting you up for success from day one.

Security And Compliance

Count on best-in-class security protocols and expertise in regulatory compliance, so your program can be operated confidently.

Scalable Infrastructure

From robust APIs to flexible tech stacks, our infrastructure grows with you. Seamlessly integrate with your existing systems to accelerate time-to-market.

Custom Branding

Keep your brand front and center with tailored card designs, mobile experiences, and user interfaces that delight your customers.

Your Style

The best brands in the world have credit card programs. Join them. Pesto gives you a card program that lets you increase your visibility and customer lifetime value. Or, if you want to remain in the background, we can give you one of our brands off the shelf.

A Complete Solution

Rather than piece together all of the infrastructural components, with significant cost and effort, Pesto lets you focus on what you do best and launch a program fast.

KYC

Mobile-First

Asset-Backed

Mobile Banking

Control Your Credit Card Program

And more:

• Card fulfillment
• Mobile app
• Mobile wallet
• Collections
• Statementing
• Customer service
• KYC Services
• Fraud monitoring
• Compliance
• Capital markets
• Banking relationship
• Credit card management

Launch Secured Credit in Weeks

Pesto powers collateral-backed cards for banks, credit unions, lenders, and brokerages.

HELOC-Backed Cards

• Unlock home equity for card spend—without a cash-out.
  Explore HELOC

Credit Union Secured

• Modern rails for share-secured programs.
  Modernize Member Secured

Auto-Secured

• Use verified vehicle equity to back spend.
  Activate Auto-Secured

Inventory & Physical Goods

• Turn real-world assets into programmatic credit.
  Power Collateralized Checkout

Portfolio-Backed Credit

• Borrow against brokerage positions without selling.
  Launch Stock-Secured

Build-Your-Own Collateral

• Any asset. Any rail. Your policy.
  Craft a Custom Program

And More:

• RSUs
• Private shares
• Treasuries
• Precious metals
• Art/collectibles
• Equipment
• Specialty inventory
• Energy credits
• Carbon assets

Get Ready to Launch

From card issuance to mobile payments, we handle the complex infrastructure, so you can focus on building stronger relationships with your customers.

Streamlined Due Diligence

Our experts will work to ensure comprehensive compliance.

Tailored Integration

We will work with you to customize a program that implements your vision.

Launch

Get to market faster with Pesto.

Start today! Get a Demo.