Cobraste Embedded

Embed financial wellness into your payroll and fintech solutions

Cobraste Embedded delivers a fully integrated EWA experience with flexible funding and support models. Launch in hours, using end-to-end APIs, drop-in UI, and a frictionless operations stack.

Talk to an Integration Architect

Why Partners Are Choosing Embedded

Cobraste pioneered earned wage access across Latin America. Now, the full feature set is available to our partners in the Cobraste Embedded API Platform. Provide Earned Wage Access, Financial Education, and access to Artificial Financial Intelligence simply, quickly and securely using Cobraste Embedded.

Cobraste Embedded is already trusted by Human Capital Management systems and financial institutions, such as neobanks, pre-paid and debit card platforms, to deliver a world class financial wellness experience.

How It Works

Connect. Start in sandbox; wire REST or file flows for eligibility and time/earnings. Validate with reference apps. Cobraste Integration Architects are available to every partner at every step.

Configure. Choose funding ownership and who provides first-line support. Set limits, timing windows, disbursement rails, and program controls.

Launch. Go live in days or even hours! Cobraste automates repayment and reconciliation and provides admin analytics and alerts.
‍

Customized Models

Flexible funding model. Cobraste funded or partner funded.

Support model. Partner L1 or Cobraste white label L1 with detailed SLAs and escalation.

Brand model. Cobranded or fully white label experiences.

Rollout model. Launch by location or cohort; progressive feature flags and rate limits.

Complete Earned Wage Access Solution

Real time earned balance & variable disbursements, automated payday settlements, goal setting, budgeting nudges, financial education, optional savings.

Proven Frictionless Go To Market Models

Built to embed into partner ecosystems, fast deployments with SDKs, adapters, references, REST APIs, service auth patterns, signed webhooks and event subscriptions.

Enterprise Class Security & Privacy

Enterprise-grade security, least-privilege access, data minimization, encryption in transit and at rest, rigorous vendor management, and auditable logs.