For Banks
The family banking relationship your customers expect.
TONi is a launch-ready, white-label Family & Youth Banking platform built specifically for retail banks. Deploy under your brand. Keep your customer relationships. Go live in weeks.
Discuss a pilot partnershipThe challenge
Banks are losing the next generation before the relationship begins.
Neobanks and fintech apps are capturing families and young customers with superior digital experiences. Every month without a credible family banking offer is ground ceded to competitors.
How it works
From first conversation to live product.
Strategic fit
We align on scope, integration requirements, and your target customer segment. No lengthy RFP process.
Branded setup
TONi is configured under your brand — colours, typography. Co-branded "Powered by TONi".
Core integration
We connect to your existing KYC infrastructure and define hand-over processes. Standalone deployment keeps risk low.
Pilot rollout
Controlled launch with a defined customer cohort. Real data, real feedback, manageable scope.
Scale
Full rollout to your customer base. Ongoing product development as part of the partnership.
Pilot partnership
Be first to market.
TONi is working with a select group of pilot banks to co-shape the next generation of Family & Youth Banking. Pilot partners get early market differentiation, direct access to the founding team, and meaningful influence over product roadmap and bank-grade configuration.
Discuss a pilot partnershipWhat pilot partners get
- First-mover advantage in Family & Youth Banking
- Direct collaboration with the TONi founding team
- Co-shaped product scope and roadmap influence
- Faster time to market than any in-house build
- Reduced delivery risk with a proven capability layer
- OpEx model — no large upfront capital commitment
Why TONi
Not just another frontend. A platform for lifelong customer relationships.
Built for what's next
A complete family banking solution that scales from children to teens to young adults — all under your brand.
You keep what matters
Customer data and long-term relationships stay with your institution, not a third party.
Fast, frictionless rollout
Our aim is to get you to market quickly and smoothly.
True partnership
We don't just work with banks — we partner on product scope, roadmap, and market strategy from day one.
The better choice
Data and relationships stay in-house.
Typical competitors
- You don't own the accounts or data
- Built for consumer acquisition, not bank integration
- Closed system with limited bank visibility
- Not branded to your institution
- Doesn't connect to your digital banking stack
- Competes for deposits and customer attention
TONi
- You own the experience, data, and accounts
- Built specifically for bank-to-family deployment
- Integrates with digital banking infrastructure: hand-over to TONi app
- White-label — your brand, your customer relationship
- Keeps deposits and assets within your institution when you provide your own accounts
- Designed to complement your operations, not replace them