WHAT'S NEW AT MAMBU
Product Update
December 2025
As we close out the calendar year, Mambu continues its commitment to refining and expanding our platform and strengthening the composable foundation we pioneered for rapid, confident product delivery for the modern landscape.
Mambu’s focus remains on removing complexity, strengthening core capabilities and enabling you to design financial products that scale reliably and grant you the capabilities to uphold the highest standards of quality for your end customers.
Our recent roadmap builds on the strong momentum we’ve gained this year, adding enhancements that strengthen our core platform, deepen operational resilience and expand the foundations for future product innovation.
We invite you to explore the highlights below.
We’ve made improvements that give you more control over how your deposit products work, providing even better accuracy in calculating interest and ensuring smoother End of Day operations.
- Compounding interest for long-term deposit growth
You can now offer savings products that grow faster over time through compounding interest, giving your customers the benefit of earning returns on top of previous returns. This helps them build long-term wealth while strengthening the appeal and competitiveness of your deposit portfolio.
- Flexible accrual recognition for precise interest calculation
You can process transactions with future value dates while maintaining full accuracy in interest accruals. This gives you greater control over how savings products behave and ensures customers receive clear, consistent outcomes every time.
- Business-calendar-based interest payout configurability
Now you can align interest payouts with your business calendar so they fall on the last working day of the month. This keeps your financial reporting consistent and gives customers a clearer, more predictable experience across their accounts.
- Early end-of-day (EOD) processing for same-day appraisals
End-of-day processes can now run before midnight, meaning you can complete appraisals within the same business day. This shortens your operational cycle, improves responsiveness to customer activity, and supports faster, more timely internal reporting.
Learn more about our Deposits products:
You now have more control over how loan adjustments are managed, along with clearer repayment structures and added flexibility in handling fees and arrears interest. These enhancements help you support a wider range of customer needs while maintaining strong compliance.
- Dynamic fee calculation as a percentage of principal balance
Configure dynamic fees as a percentage of the outstanding principal and include them directly in the regular payment amount. This gives your teams clearer visibility into fee structures and helps simplify accounting and servicing workflows.
- Empowering borrowers with more control over repayments
Borrowers gain more choice at the point of prepayment with expanded prepayment recalculation options. This helps customers manage repayment strategies in a way that best suits their financial goals.
Learn more about our Lending products:
You’ll see greater transparency, reliability and efficiency across core payment workflows, giving your teams more control over payment operations and clearer visibility into how funds move throughout the process.
- VOP live across 20+ EU customers
Our fully managed Verification Of Payee (VOP) solution has now gone live with more than 20 customers across the EU, well ahead of the regulatory deadline. We’ve also improved our matching algorithm for greater accuracy and streamlined verifications for high-volume payment operations.
- SWIFT GPI tracking for end-to-end transparency across borders
Track eligible payments across correspondent partner banks using SWIFT GPI, giving end customers clearer visibility into the status and journey of their cross-border payments. This reduces uncertainty and supports a more transparent service experience.
- Connectivity syncs for better monitoring
We’ve introduced a new tool that allows you to monitor when Mambu Payments connects with external systems to send or receive data, meaning you can now detect sync issues earlier, before they affect downstream processes. This helps reduce operational delays and supports a more reliable payment experience..
- Bank simulator
Your teams can test real-world payment flows independently in sandbox environments, either through the API or directly from the dashboard. This speeds up onboarding, supports smoother user acceptance testing, and helps accelerate go-lives. Learn more.
- API-based audit trails for stronger compliance
Trace the creation and modification of key payment objects through detailed audit trails that capture actions triggered by API keys, dashboard users or system processes. This level of visibility supports faster issue resolution and strengthens your overall security posture.
Learn more about our Payments product:
We delivered key enhancements that strengthen the accuracy, transparency, and compliance of our Shari’ah-based funding products. These improvements help institutions manage profit-sharing activities with greater control while meeting the strict requirements of Islamic finance.
- Enhanced accounting for Islamic profit sharing
Pool-level accounting is now available for your Shari’ah-based deposits, giving you greater control over how profit pools are structured and managed. This supports clearer oversight of profit-sharing activities and helps your teams handle accounting processes with confidence.
- Daily accruals for Shari’ah-based funding products
Our Islamic deposit products now support daily profit accruals with monthly profit application, helping your teams align operational processes with internal reporting practices and regulatory expectations.
Learn more about our Islamic banking product:
We delivered improvements that enhance reliability, scalability, and end of day operation performance as well as core services across the Mambu platform. These updates strengthen the foundations our customers rely on.
- OpenAPI v3 support for Mambu APIs
Our APIs now support the OpenAPI v3 standard, providing clearer domain models and improved SDK generation, particularly for Go and Java. This helps your engineers build and maintain integrations more efficiently and in a way that aligns with modern development practices.
- Configuration as Code (CasC) for notifications
Webhook templates are now supported through Configuration as Code, allowing DevOps teams to manage notification configurations using version-controlled, code-driven workflows. This improves deployment consistency, reduces manual setup, and gives your teams more predictable, repeatable operational processes.
Learn more about our platform and Core services:
Stay tuned
Our goal is to continue strengthening the foundation our customers rely on to build the future of financial services.
Until the next update, we wish you a strong finish to the year and a successful start to the year ahead.
To explore these updates in more detail, visit our support documentation, review the release notes in the Mambu Community, or contact your Customer Success Manager.
© Mambu 2026