Complete Digital Banking Infrastructure
The operating system for modern banking. A production-ready, white-label digital banking stack with wallets, cards, crypto, payments, compliance, and a full back-office — ready to launch under your brand.
Banks Have the License. Fintechs Have the Technology. Neither Can Succeed Alone.
Legacy infrastructure costs millions to replace. Banking licenses take years to obtain. Our platform bridges this gap — giving banks modern technology and giving fintechs access to regulated infrastructure.
Legacy Systems
Core banking systems from the 1990s. Migration typically costs $50M-$200M.
Slow Time-to-Market
18-36 months to launch a digital banking product. The market will not wait.
License Barriers
Banking licenses take 2-5 years and $5M+ to obtain. A barrier for most fintechs.
Provider Fragmentation
Payments, cards, crypto, FX — each requires a separate integration and contract.
Six Pillars of Digital Banking
Not a prototype. Not a roadmap. A working platform with live integrations processing real transactions today.
Multi-Currency Wallets
Provision wallets in 30+ fiat currencies and 18+ crypto assets. Instant creation, real-time balances, internal transfers between wallets, and move-funds across currency pairs with live exchange rates.
Virtual IBAN Accounts
Dedicated IBAN provisioning with SEPA and SWIFT connectivity. Your customers receive, hold, and send funds globally with bank-grade virtual accounts. Statement generation and account verification letters included.
Card Issuing
Virtual and physical debit cards under your brand. Apple Pay, Google Pay, contactless, ATM withdrawals, online transactions, and real-time spend controls with daily and monthly limits. Freeze, unfreeze, and close from the portal.
Smart Payout Routing
Our routing engine evaluates every transaction across multiple payment rails and automatically selects the optimal provider based on cost, speed, corridor availability, and reliability. 170+ countries, one API call.
Crypto Exchange & Trading
Full trading interface with order book, price charts, open positions, portfolio view, and market watch. Buy, sell, and swap 18+ digital assets. Whitelisted wallet management with admin approval flow.
Compliance Engine
KYC, KYB, AML screening, PEP checks, KYT transaction monitoring, risk scoring with configurable rulebooks, suspicious activity reporting, sanctions screening, and a full compliance desk with ticket management.
Every Payment Type. One Platform.
From individual transfers to enterprise payroll, from QR payments to mobile money — every payment rail your customers need is already built.
Payroll & Batch Payments
Employee directory management, payroll runs with per-employee review, CSV upload for bulk payments with validation, and cross-tenant payroll oversight from the admin portal.
Payment Requests & Bill Splits
Create payment requests with flexible or fixed amounts, QR code sharing, and ZashTag-based peer requests. Split bills among participants with equal or custom split methods.
Scheduled & Recurring Payments
One-time future-dated payments, recurring transfers on a schedule, direct debit mandate management with creditor tracking, and recurring card payment monitoring with pause and cancel.
Hosted Payment Checkout
Embeddable hosted checkout for merchant payments. Session-based payment flow, branded checkout pages, and card tokenization. No PCI burden on your clients.
Merchant Onboarding
Multi-step merchant application flow with UBO declaration, website registration, document upload, gateway push, and status tracking. Full lifecycle from application to live processing.
Mobile Money (Africa)
Deposit and payout via M-Pesa, MTN MoMo, Airtel Money, and bank transfer for African markets. Extend your reach into mobile-first economies without building separate integrations.
A Complete Back-Office — Not Just a Dashboard
100+ admin pages covering operations, compliance, accounting, pricing, trading, and tenant management. Everything your ops team needs to run a financial institution.
Full Accounting System
Double-entry ledger with chart of accounts, journal entries, auto-posting, recurring entries, provider cost tracking, and financial reports — P&L statement, balance sheet, and cash flow.
Fee & Pricing Management
Fee profiles with rule-based pricing, fee groups for client tiers, system defaults, exchange rate management, routing rules, fee audit log, and a fee simulator to test before you apply.
Risk Engine & AML
Configurable scoring rulebooks with jurisdiction, segment, and product risk categories. AML alert management, case management with SAR generation, country risk tables, and batch scoring.
Executive Insights
Real-time executive dashboard with P&L summary, volume metrics, KYC/KYB pipeline, compliance metrics, partner performance, hourly throughput, and currency/direction splits.
Partner & Agent Network
Onboard partners and agents with referral codes, commission tracking, white-label branding configuration, per-partner insights dashboard, and weekly automated reports.
Role-Based Administration
Granular role and permission management, multi-tenant data scoping, staff user administration, full audit trail on every action, and tenant-scoped permission catalogs.
Platform at a Glance
1,100+
API Endpoints
250+
Admin Pages
170+
Countries
30+
Fiat Currencies
18+
Crypto Assets
10+
Payment Rails
Your Customers Get a World-Class Portal
A fully branded customer experience — web and mobile-optimized — with everything from onboarding to trading. Multi-language, multi-currency, and secured with step-up authentication and device trust.
- Multi-currency wallets with instant provisioning
- Send money to bank accounts in 170+ countries
- Peer-to-peer transfers via unique user handles
- Virtual and physical card ordering and management
- Buy, sell, and swap 18+ cryptocurrencies
- Full exchange with order book and portfolio tracking
- IBAN accounts for receiving SEPA and SWIFT payments
- Payroll and batch payment processing
- Payment requests, bill splits, and QR payments
- Scheduled and recurring payment management
- Branded PDF statements, receipts, and verification letters
- Step-up authentication for sensitive operations
- TOTP two-factor authentication
- Transaction limits and notification preferences
- Referral program with multiple referral codes
- Mobile money deposits for African markets
Security Built Into Every Layer
Financial-grade security is not an add-on — it is embedded in the architecture.
- Step-up authentication for high-value operations
- TOTP two-factor authentication via authenticator app
- Device trust and recognition
- Real-time transaction monitoring
- Crypto wallet whitelisting with admin approval
- Automated suspicious activity detection and reporting
- Configurable transaction limits per currency
- Full audit trail on every admin and user action
One Platform. Multiple Business Models.
For Licensed Banks
- Launch digital banking products in weeks, not years
- White-label under your existing brand and domain
- Full compliance suite — KYC, KYB, AML, KYT included
- Accounting system with P&L, balance sheet, and cash flow
- No engineering team required — we handle ongoing updates
For Fintechs
- Partner with licensed banks via our platform
- Embed wallets, cards, and payments into your product
- Multi-currency and crypto from day one
- Pre-built compliance workflows and risk engine
- Smart routing across multiple payment rails
For Enterprises
- Treasury management with multi-entity support
- Payroll and batch payments across currencies
- Global accounts with IBAN provisioning
- Partner and agent networks with commission tracking
- Executive dashboards and financial reporting
Full White-Label From Day One
Every deployment is fully branded — your domain, your logo, your color scheme. Custom labels, branded emails, branded PDF statements and receipts, partner-specific sender resolution, and multi-tenant data isolation.
Your Brand
Logo, colors, labels
Your Domain
Custom portal URL
Your Docs
Branded PDFs
Your Comms
Email, SMS, WhatsApp
From Demo to Live in Three Steps
Book a Demo
Tell us about your business, target market, and requirements. We will show you a working demo tailored to your use case.
Customize & Configure
We configure the platform to your brand, compliance requirements, fee structures, and provider preferences. White-label everything under your identity.
Go Live
Launch your digital banking product with ongoing 24/7 support, monitoring, and continuous updates from our Canadian team.
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