Platform

Combine a wide variety of capabilities into a single customer account using our flexible, multi-currency ledgers.

Each customer account consists of one or more ledgers, referred to as wallets. Wallets can be used to satisfy a wide range of use cases, including:

• savings pots & budgeting
• FX & crypto
• BNPL transactions

Launch innovative features and explore new business models by taking control of inbound and outbound transaction routing between customer accounts/wallets and your chosen card processors, payment gateways, agency banks, crypto exchanges, and FX providers.

Securely access our API in the context of a customer using our dedicated identity and authorisation services.

Define users and manage access to customer accounts and associated data using role-based access permissions.

Integrate your preferred identity provider and reuse existing authentication flows for user provisioning and interaction with our customer account APIs.

Our core uses command query responsibility segregation (CQRS) and event sourcing to provide scalable, secure and consistent transaction throughput whilst exposing a rich data stream to a variety of consumers.

We consume our own event stream to feed a wide range of datasets known as ‘projections’ that drive the querying side of our platform and remove the emphasis on upfront requirements analysis. All transactional events are stored indefinitely, allowing new projections to be generated at any time based on historic data.

Ultimately though, it’s your data and we pride ourselves in unlocking the value it contains. Consume our event stream natively or via webhooks from your own systems to enable a wide range of use cases:

• Sending push notifications to customers
• Building reports for compliance, risk and audit purposes
• Driving KPI dashboards and monitoring key metrics
• Monitoring transactions
• Populating your own data lake
• Data enrichment and machine learning

Define a wide range of deposit and lending products from our pre-configured product types or leverage our Product APIs to create your own innovative products.

Govern how customer accounts will behave and define a wide range of wallet types for them to choose from.

Wallets can hold any asset; Fiat, Crypto, Gold, Coffee – in fact, anything that can be exchanged via an API can be stored.

Define a wide range of transactional fees against 50+ transaction types and extend even further by incorporating your own schema of transaction sub types.

Setup recurring fees based on a highly configurable schedule for each product and define fee templates for operational users to govern how ad hoc fees can be applied to accounts.

Keep track of all product changes through product versions/issues and govern publishing through a product approval workflow.

Keep customers aligned to your latest product issue (current accounts, savings accounts), retain a subset of product issues (fixed term deposits) or override all product settings at account level to deliver a truly personalised experience on each account (wealth management).

Manage interest rates centrally for variable interest products/accounts using rate sources. Variable interest products can encompass a hierarchy of base rate sources and linked rate sources, each containing an independent list of rates for a given time period.

Combine rates sources with and product/account level mark-up rates to achieve a cumulative rate that offers flexibility, control and operational efficiency.

Allow customers to send and receive money using any combination of local and international payment rails/schemes such as SEPA, FPS, CHAPS, BACS, ACH, SWIFT, SIC, EuroSIC etc.

Disconnect customer payment orders from underlying service providers and route payments intelligently based on a variety of factors such as cost, risk and liquidity requirements.

Remain compliant and manage risk with our payment approval workflow engine. Configure rules at product or customer account level to govern approval amount triggers, number of approvers required, daily transaction limits and single transaction limits.

Integrate with your chosen card processor/issuer and link one or more debit/credit cards to a single customer account.

As the system of record, we sit inside the VISA/Mastercard authorisation chain, enabling complete real-time control and decision making across the full spectrum of card present, e-commerce and MOTO transactions.

Easily freeze cards linked to customer accounts and implement a wide variety of dynamic spending controls uniquely tailored to each customer.

Route foreign currency purchases to corresponding FX wallets and avoid hefty scheme conversion fees.

Store any fiat or non-fiat asset inside a wallet – whether it be FX, crypto, equities, gold or loyalty points we have you covered.

Buy and sell any asset by integrating our asset exchange protocols with your chosen exchange APIs using real-time or bulk settlement flows.

Charge FX fees without incurring FX costs by holding FX positions in your institutional accounts and using these to settle customer transactions.