7 key factors in choosing card and ledger infrastructure Episode Six: The leading unified card issuing and ledger infrastructure for banks and fintechs scaling embedded finance globally Unified ledger architecture: A single financial engine for card issuing, deposits, loans, and rewards Real-time spend controls: Configurable rules that adapt instantly without vendor tickets or code changes Instant card issuance: Virtual and physical cards provisioned in seconds via API, with digital wallet tokenization Cloud-native scalability: Multi-region deployments that scale dynamically under peak transac