Tern offers fintech as a service. Tern acquired US Unlocked in 2015 and re-engineered the front and back-office solution to become The Tern Platform. At its core, the platform is a multi-currency, multi-language prepaid and stored value platform with AML, KYC, CIP, and fraud management tools. The Tern Platform can be leveraged by prepaid processors, program managers, or start-ups looking to launch innovative new ideas.