Introduction

Audience and Scope

This document is intended for third-party product owners, architects, and developers who plan to integrate with Eclipse as an open, feature-rich digital wallet and card issuing platform. Eclipse exposes a comprehensive catalogue of APIs that enable tenants to manage the full lifecycle of an Eclipse customer, from onboarding and authentication through to wallet creation, card issuing, top-ups, transfers, withdrawals, and related activities.

All examples in this guide reference the Eclipse Sandbox environment. The sandbox is publicly accessible and allows teams to begin integrating with the Eclipse APIs for proof-of-concepts, demonstrations, and functional testing before moving to production.

About Eclipse

Eclipse is a multi-tenant, cloud-native, API-first platform with an associated administrative console that enables banks, fintechs, and telecom operators to build flexible and compelling financial services propositions across global markets. Eclipse is built and operated by EFT Corporation and is not associated in any way with the Eclipse Foundation or the Eclipse IDE. The similarity in naming is purely coincidental.

Built on hundreds of man-years of experience across financial services, payments, and telecommunications, Eclipse is designed to remove much of the complexity traditionally associated with building and operating regulated financial products. Rather than acting as a monolithic core, Eclipse provides a set of modular services that can be consumed independently and composed to support a wide range of business models and use cases.

Platform Overview

Eclipse provides the foundational building blocks required to design, launch, and operate modern financial products. These capabilities are exposed through well-defined APIs and supported by an administrative console for configuration, operations, and support.

At a high level, Eclipse covers:

Core Banking and Account Services

Customer and organisation management
Account, wallet, and balance management
Ledgering and transaction posting
Product configuration, fees, limits, and controls
Transaction history and reporting

Payments and Money Movement

Payment gateway services
Domestic and cross-border payment integrations
Bank and scheme integrations
Real-time transaction processing and status updates
Support for multiple payment rails and payout mechanisms

Cards and Acceptance

Card issuing and lifecycle management
Physical and virtual card support
Card acceptance and merchant-related capabilities
Real-time authorisation and transaction events
Integration into EFT’s switching and processing infrastructure

Digital Channels and Integration

API-first design for mobile, web, and embedded finance use cases
Clear separation between backend services and customer-facing channels
Event-driven patterns for notifications and state changes
Support for partner and third-party integrations

Compliance, Risk, and Security

Authentication and access control
KYC and onboarding workflows
Transaction limits, blocks, and risk controls
Auditability and traceability across platform actions
Integration points for external compliance and risk services

Cloud-Native Operations

Designed for cloud deployment and horizontal scaling
High availability and resilience built into the platform
Support for modern SDLC practices, including CI/CD and automated testing
Incremental rollout of new capabilities without disruptive releases

AI-native development

Eclipse is designed to work seamlessly with AI-assisted development tools.
A built-in Model Context Protocol (MCP) server allows AI tools to interact directly with Eclipse APIs and documentation.
This enables code generation, API discovery, and integration guidance using real platform context.
MCP provides controlled access to documentation, supported operations, and live account data where applicable.
Learn more about Eclipse MCP support here.

What Differentiates Eclipse

Eclipse is designed to separate the payments and card “engine room” from the end-user proposition. This allows product and engineering teams to focus on differentiation, customer experience, and speed to market, while relying on a proven platform to handle scale, security, compliance, and complex partner integrations.

Building products involving digital wallets, card issuing or acceptance, and payment processing typically requires navigating significant technical and regulatory hurdles. Eclipse addresses these challenges by providing production-grade building blocks that can be composed and extended to support a wide range of propositions.

Whether delivering a digital wallet, corporate card programme, rewards platform, marketplace, or an embedded finance experience delivered through partner or messaging channels, Eclipse provides a robust foundation on which to build and evolve financial services with confidence.