LoanPro and NXTMOVES Unite to Streamline Credit Card Program Launches

SALT LAKE CITY, UT – February 24, 2026 – In a strategic move aimed at modernizing the financial infrastructure for credit, LoanPro and NXTMOVES today announced a partnership to deliver an end-to-end solution for launching and managing credit card programs. The collaboration integrates LoanPro’s modern credit and servicing platform with NXTMOVES’ comprehensive program management and issuing infrastructure, creating a unified pathway for fintechs and community banks to enter the competitive credit card market.

This alliance addresses a persistent and growing challenge within the financial industry: the immense complexity, cost, and regulatory burden associated with bringing new credit card products to market. By combining their distinct capabilities, the two companies aim to replace a fragmented ecosystem of legacy providers with a streamlined, scalable, and compliant operating model.

Navigating a Fragmented and Complex Market

For years, launching a credit card program has been a daunting undertaking, particularly for emerging fintech companies and smaller financial institutions. The process typically involves stitching together services from a disparate group of siloed vendors for core processing, card issuing, servicing, compliance, and collections. This fragmentation often leads to extended timelines, escalating costs, and significant integration challenges.

Community banks, while eager to offer credit cards to deepen customer relationships and compete with larger national players, are often constrained by limited technology and compliance resources. The regulatory overhead is substantial, with strict adherence required for a web of regulations including the Truth In Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and rules against Unfair, Deceptive, or Abusive Acts or Practices (UDAAPs). Federal bodies like the Consumer Financial Protection Bureau (CFPB) have increased their scrutiny of bank-fintech partnerships, placing the onus of compliance squarely on the sponsoring bank.

Fintechs, on the other hand, possess the agility to innovate on user experience but can find their go-to-market ambitions stalled by the foundational complexities of financial product infrastructure. Building a compliant credit program from scratch is a multi-year, multi-million dollar endeavor that distracts from their core mission of creating novel customer-facing solutions.

A Unified Architecture for Issuing and Servicing

The partnership between LoanPro and NXTMOVES is designed to provide a direct answer to these challenges through a tightly integrated, unified platform. LoanPro will serve as the foundational system of record and servicing engine. Its modern, API-first credit platform will provide the centralized ledger management, data access, and robust account servicing capabilities necessary to manage the entire lifecycle of a credit account.

Complementing this foundation is NXTMOVES' ROOK platform, a full-stack program management solution that provides the issuing infrastructure, sub-processing, and real-time transaction oversight. A key differentiator for NXTMOVES, and a cornerstone of the partnership, is its position as one of the few program managers offering integrated credit-facility capabilities. This unique model allows NXTMOVES to manage not only the platform infrastructure but also the credit funding, a capability that significantly accelerates launch timelines and gives clients greater control over the program's economics.

Together, the two platforms create a seamless flow from card issuance and transaction authorization through to loan servicing, collections, and reporting. This eliminates the data silos and operational friction that plague programs built on a patchwork of legacy systems, providing a single source of truth for the entire credit card program.

Empowering Banks and Fintechs in the BaaS Era

The strategic implications of this partnership extend beyond technological integration. It directly empowers two key segments of the financial ecosystem. For community banks, it provides a viable and compliant pathway to becoming Bank Identification Number (BIN) sponsors. This enables them to generate new, high-yield revenue streams by deploying their low-cost deposits into revolving credit lines, all while leveraging the partnership's infrastructure to manage the significant third-party risk and operational demands that regulators now closely monitor.

For fintechs, the solution promises to dramatically lower the barrier to entry for offering embedded credit products. By abstracting away the complexities of compliance, processing, and servicing, the partnership allows innovators to focus on their core competencies: building unique user experiences, developing novel underwriting models, and reaching underserved market segments. This accelerates time-to-market from years to months, turning a major capital expenditure into a more manageable operational one.

A Shared Vision to Overcome Legacy Constraints

Underpinning the partnership is a philosophical alignment between the two companies, both born from firsthand experience with the limitations of existing financial technology. Both leadership teams have voiced a commitment to modernizing an industry long held back by outdated systems.

Rhett Roberts, Co-founder and CEO of LoanPro, highlighted this shared perspective. “LoanPro and NXTMOVES are aligned not only on the product and experience we’ll offer to card providers, but also in our vision for the future of finance,” he stated. “Looking at how they’ve reenvisioned program management, it’s easy to recognize NXTMOVES as innovators in the space. Just like LoanPro, they’re bridging the gap between where credit could be and where it stands today.”

This sentiment was echoed by NXTMOVES co-founder Steve Nigri, who noted the origins of his own company's mission. “NXTMOVES was built from firsthand experience working with legacy cores and platforms that slowed go-to-market and constrained innovation,” Nigri explained. “We rebuilt the model from the ground up — prioritizing transparency, 1:1 underwriting, compliance, and scalability. LoanPro shares that same perspective and commitment to modernizing credit operations, enabling providers to launch better products and deliver a stronger consumer experience.”

This collaboration represents more than just a business development agreement; it is a calculated response to the evolving demands of the financial services market. As embedded finance continues to grow and regulators intensify their oversight of Banking-as-a-Service (BaaS) models, the demand for transparent, robust, and compliant-by-design infrastructure has never been greater. The integrated solution offered by LoanPro and NXTMOVES is positioned not just to meet the current needs of banks and fintechs, but to provide a durable framework capable of adapting to the future of credit.