For millions of Spanish speakers living in the U.S., traditional banking services have remained frustratingly out of reach. Mainstream financial institutions often complicate their products with jargony terms that can be difficult for these customers to understand, while failing to offer services that meet the specific needs of people who prefer to bank in their native language—with dedicated resources typically limited to “dial 2 for español.” Seis is on a mission to flip the script.
Founded in 2021, Seis is a U.S.-based neobank that provides banking 100% in Spanish, specifically designed for Spanish-speaking Americans. Their goal is clear: deliver easy access to financial services by providing native Spanish speakers with banking products and tools offered in their language of choice and tailored to their unique needs.
Since their inception, Seis had rolled out comprehensive financial services including bank accounts with attached debit cards, expense management tools, and cross-border payments. But to truly support their community, Seis needed credit products that would help customers establish and build a credit history in the U.S.—and that project required a payments partner capable of navigating the complex world of consumer lending at unprecedented speed. Enter Lithic.
In partnership with Lithic, Seis last year expanded their core product suite with the critical addition of a hybrid secured and unsecured credit card that delivers the efficiency and reliability their customers depend on.
A Net-New Product Requiring Specialized Infrastructure
Building a credit program that serves native Spanish speakers demands a fundamentally different approach to financial services. Seis needed a payments partner that could deliver an advanced, first-of-its-kind product while also navigating the intricate requirements of consumer credit.
Specifically, the Seis team needed a partner that could provide:
- Rapid implementation of a net-new product type across multiple partners
- Seamless integrations with consumer ledger management systems
- Expert guidance to navigate complex compliance requirements
- Flexible architecture to support their unique credit-building model
- Reliable processing for a community that depends on consistent, round-the-clock access to funds
Most importantly, Seis needed a partner who understood that serving the Spanish-speaking community isn’t just about overcoming the language barrier—it’s about building trust through transparent, dependable service.
From Blueprint to Launch in Record Time
Seis appreciated Lithic’s ability to quickly handle complex implementations with exceptional accuracy and speed. What followed was a groundbreaking 65-day implementation.
Despite being uncharted territory for both companies, Seis trusted Lithic's team to deliver an innovative solution—drawing from Lithic's strong industry reputation, proven operational excellence, and comprehensive API documentation that evidences the team's profound technical capabilities. Even with the complexity of a first-in-kind card product, Seis knew Lithic had the expertise to navigate the technical and regulatory challenges ahead.
The result was a sophisticated credit-building product that evolves with customers over time. As Seis customers demonstrate responsible usage, the card transitions from a secured product into a traditional unsecured charge card, helping them establish and build their credit history in the United States.
Lithic's integrated partnership with Peach's loan management system (LMS) proved crucial to the project's success, creating a precise division of duties between Lithic, Peach, and Seis. This eliminated duplicative work across the three parties and enabled a remarkably fast implementation timeline.
Lithic’s solution for Seis ultimately included:
- A processing gateway for rapid, reliable transaction handling
- Authorization Stream Access (ASA) for real-time transaction decisions
- 3D Secure (3DS) decisioning for enhanced security and fraud prevention
- Visa Settlement Files (VSFs) for precise, automated daily reconciliation
- An integrated Peach partnership with clearly defined roles and responsibilities
Scaling Trust for a Growing Community
The Seis credit card launch represented a significant milestone for Lithic, Seis, and the Spanish-speaking community. By powering this complex credit-building product, Lithic enabled Seis to offer their customers a true pathway to financial inclusion.
The partnership between Seis and Lithic has since unlocked measurable impact, including:
- Enhanced customer trust through consistently reliable, on-time processing
- Streamlined operations thanks to automated reconciliation and detailed reporting
- Expanded product capabilities that directly address Seis customers’ credit-building needs
- Reduced operational complexity through seamless integrations with existing systems
- Accelerated time to market with a 65-day implementation for a first-in-kind product
With Lithic’s robust payments infrastructure working behind the scenes, Seis can focus on their core competency: providing accessible banking that lets customers engage with financial services in their language of choice. The new credit-building component—enabled by cards powered by Lithic—adds a critical piece to their product suite.
As more financial service companies recognize the need to provide diverse communities with inclusive, tailored products, this partnership demonstrates how innovative payments technology and deep industry knowledge can help deliver meaningful financial experiences at scale.