# Every card capability. One card model.

Canonical: https://getfuturebank.com/solutions/cards-as-a-service
Last updated: 2026-10-06

Connect issuing, processing, fraud, controls and customer experiences through a common card model, then expose it to apps, people and agents.

## The problem.

Card programmes span issuers, processors, schemes, tokenization, fraud and servicing tools, and each one speaks a different language. Switching or adding a processor shouldn't mean rebuilding the app.

- **1**: Card model across processors
- **Real time**: Controls and limits
- **Agent-ready**: Every control exposed via MCP

## Everything Cards as a Service connects.

- **Issuing**: Issue physical and virtual cards and personalize them programmatically.
- **Controls & limits**: Freeze, unfreeze, channel controls and spend limits, set in real time.
- **Lifecycle**: Activation, replacement and closure across processors behind one model.
- **Transactions**: A single stream of card activity across every connected processor.
- **Card fraud**: Decisioning providers in the authorization and servicing journey.
- **Servicing**: BankCentral gives agents one view of every customer's cards.

Canonical capabilities used: Cards, Fraud & Risk, Accounts & Wallets, Payments.

## Agent-accessible from day one.

The capabilities behind Cards as a Service are exposed through FutureBank MCP, so customers, employees and developers can use them through AI, under the same controls as every other channel.

- Customer: “Freeze my card. I think I left it at the restaurant.”
- Customer: “Block online gambling merchants on my debit card.”
- Employee: “Why was Thandi's card declined at 14:02 yesterday?”

## Cards pilot

- Connect an issuing and processing partner
- Expose card controls to app and agent

Outcome: Cards issued and controlled through one model

[Start this pilot](https://getfuturebank.com/contact?topic=cards-as-a-service)

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Start a conversation about what agentic banking could mean for your bank, beginning with one governed journey. [Let's connect](https://getfuturebank.com/contact) · [Play · Pilot · Build · Run](https://getfuturebank.com/get-started)