AAAS ONBOARDING CHECKLIST

Internal Reference Portal

Account-as-a-Service (AaaS) Partner Onboarding Process

Account-as-a-Service is a comprehensive banking solution allowing partners to open white-labeled bank accounts under their Company name or end-user identity via APIs, File Upload Platform, or a White-Labeled Mobile App.

Flexible KYC Process

If you're an AMLC-covered institution, we can rely on your own KYC processes. Otherwise, leverage Netbank's BSP-regulated tiered KYC process.

Digital Account Opening

Seamlessly embed account opening into your UX flow by passing KYC details and documents via API or batch File Upload.

Multiple Account Types

Open white-labeled Individual, Corporate, or Loan Accounts to match your specific business model and customer needs.

Full Visibility & History

Get view access to necessary bank account details and transaction history under your branch with proper consent.

Your Customer Experience Architecture

Multiple Ways to Access & Connect

Open APIs

Seamlessly embed financial services into your client-facing interface via RESTful APIs.

File Upload Platform

No developer bandwidth? Use our portal tool to batch process operations without code.

White-Labeled App

Launch fast with an out-of-the-box mobile app branded to your logo and color scheme.

Customized Access

Tailored connection workflows designed together with the Netbank Solutions team.

Onboarding Journey via Netbank Virtual

Step 1: Sign-Up

Scope solution and sign up on Netbank Virtual to nominate credentials.

Netbank Virtual Sign-Up →

Step 2: Sandbox

Generate Sandbox API keys, test endpoints freely, and finalize product scope.

Step 3: Test (UAT)

Receive UAT credentials; conduct load, security, and integration sign-off.

Step 4: Go Live

Open corporate account, sign BaaS License, obtain PROD credentials & launch.

Onboarding Prerequisites Matrix

Business Requirements

Signed Non-Disclosure Agreement (NDA) & BaaS License Agreement
Netbank Corporate Bank Account as Settlement account
Agreed commercial terms and pricing schedule

Technical Requirements

RESTful JSON API capability with OAuth authorization
Secure storage for credentials & API tokens
Capability to parse and capture Netbank API response codes

Regulatory Requirements

KYC tools and processes aligned with AMLC & BSP guidelines
Transaction monitoring to flag unusual activities

Security Requirements

Netbank Application Authentication & Consent Token mechanism
IP Whitelisting & database encryption against data breach

Frequently Asked Questions

Q: What is the Netbank Virtual Sandbox Environment?

It is a free-to-access test environment simulating calls to Netbank's products via APIs and File Upload without needing prior agreements.

Q: Do I need to sign an agreement before Sandbox testing?

No. Simply sign up on the Netbank Virtual Partner Dashboard and generate your sandbox keys under the Credentials section.

Q: How do I reach the Netbank Solutions Team for inquiry?

Submit the Contact Us form on Netbank Virtual selecting "Inquire about Standard Products and Channels".

Key External References

AaaS Presentation Deck White-Labeled App Demo Netbank Virtual Web Page

AaaS Partner Onboarding Checklist

Interactive checklist form with complete downloadable Excel and emailable results.

Overall Onboarding Checklist Completion 0%

To-Do Action Items

LOI Draft of legal contract Decision on non-urgent support for integration environment on Sundays & outside standard PH business hours Functional requirements and features Deposit type decision eKYC Provider (Vendor: Amazon Rekognition) Bills Payment and Mobile Top-up aggregator Create Google Drive Folder Viber / Netbank (AAAS) Viber Group Chat Send Issue Log Template JIRA access Send Netbank Virtual Onboarding Package Send Full bank account and Wallet Product Features KYB Onboarding Documents eKYC Tool Review Document Send a meeting invitation for the Monday / Wednesday Cadence Send a meeting invitation for the Thursday Governance Meeting

Front-End Features Specifications

Category	Flow/Features	Functionalities	Required?	Notes/Blockers
Account Mgmt	Onboarding	OTP based verification via entered phone number	Regulatory	Netbank to provide feedback
Account Mgmt	Onboarding	Resend OTP to user on clicking resend button	Regulatory	-
Account Mgmt	Onboarding	Setting of MPIN/Password	Regulatory	-
Account Mgmt	KYC	Scan/Upload customer ID	Regulatory	-
Account Mgmt	KYC	Liveliness check and face compare	Regulatory	-

Deposit Account Matrix

Category	Basic E-Wallet	Fully Verified E-Wallet	Full Bank Account	Remarks
KYC Requirements	Limited info	Full KYC (Gov ID + Facial)	Full KYC (Gov ID + Facial)	Storage with partner if Third Party Reliance
Wallet Size/Limit	Up to PHP 50,000.00	Up to PHP 100,000.00	No limit	-
PDIC Coverage	None	None	Yes (up to 1M)	-

Innovation Pipeline & Feature Matrix

Complete roadmap status across additional account services, loans, cards, cross-sell, and risk management.

Product Area	Description / Feature	Available?	Confirmed?	Integration	Benefits of Netbank	Go-Live	Remarks
Additional Services	Bill pay, Sale of load (Smart direct)	Yes	Yes	Both	Faster Time-To-Market via telco relationships	Available	-
Additional Services	More cash-in channels (711, MLhuillier, Palawan, ECPay)	Yes	Yes	Both	Wide network positions partner ahead of competitors	Available	Can be branded
Additional Services	OTC Cashin/cashout APIs	No	Yes	WLA	Direct integration to ECPay, Palawan	Sept 2026	-
Additional Services	Instapay Direct Debit	No	No	-	Allows funding account on regular basis	Dec 2026	Mobile Front-end CRF submitted
Additional Services	Scan to pay (Instapay)	In Works	Yes	WLA	Building SDK for simple partner implementation	Dec 2026	SDK Scope planned
Loans	Funding, infrastructure & license to lend	Yes	Yes	Both	Instant Access to Funds; Minimal Integration Effort	Available	Confirm lending appetite
Loans	Gadget finance (phone purchase lending)	No	No	-	Loan facilities, device locker & SDK	End 2026	Device locker software discussion
Term Deposits	App-opened term deposits earning interest	Yes	Yes	Both	Encourages saving with competitive rates	Available	Available via API
Cards	BIN Sponsorship	Yes	Yes	API	Branded card in months using Netbank license	Available	-
Cards	Virtual Card	Yes	Yes	API	Instant app issuance for online shopping	Dec 2026	UI/UX from partner client
Cards	Physical Card & Tap to Pay	Yes	Yes	API	Cash withdrawals at any BancNet / ATM	Following Integration	Mastercard prep required
Cross-Sell	Insurance (life and non-life)	No	No	-	Additional income source via commission	Dec 2026	Active discussions with Qoala/Oona
Cross-Sell	Inbound / Outbound FX Transfers	Yes	Yes	Both	Instant non-resident collection & competitive FX	Q4 2026	AUD, GBP, JPY, SGD, USD, EUR supported
Risk Management	FMS, Pen Testing, Sanctions Screening	Yes	Yes	Both	Real-time transaction monitoring built into CBS	Available	BSP Compliant

Product Tier Specifications

Feature	AaaS API / SDK	White-Labeled App
Account Opening	Custom UI via API	Fully White-Labeled App
eKYC Engine	Amazon Rekognition Integration	Embedded eKYC Verification

Account-as-a-Service (AaaS) Partner Onboarding Process

Flexible KYC Process

Digital Account Opening

Multiple Account Types

Full Visibility & History

Your Customer Experience Architecture

Multiple Ways to Access & Connect

Onboarding Journey via Netbank Virtual

Onboarding Prerequisites Matrix

Frequently Asked Questions

Key External References

AaaS Partner Onboarding Checklist

To-Do Action Items

Legal and Compliance

Pre-UAT Requirements

Pre-PROD / Live Requirements

Training

Hypercare Support

Front-End Features Specifications

Deposit Account Matrix

List of Primary IDs (13)

Templates & Document Repository

Core Documents, Proposals & Trackers (11)

Official Deck Presentation

Partner Directory

Atome

Eplayment

First Circle

JIA

Peddlr

Winspire

Innovation Pipeline & Feature Matrix

Product Tier Specifications