What is in each layer.
Everything below your licence, named. All of it running in production today inside licensed institutions whose platform we build and operate — not a roadmap, not a sandbox, not a partner’s API resold.
Interface
The only part anyone sees
- iOS & Android apps
- web portal
- hosted & embedded checkout
- REST API
- sandbox
- webhooks
- fully white-labelled
Most infrastructure providers stop at the API. The apps are usually the largest line item in a launch — here they already exist.
Product
What the customer thinks they bought
- Multi-currency accounts
- virtual & physical card issuing
- spend controls & 3-D Secure
- FX rates, spreads & tiers
- savings
- digital-asset accounts & custody
- invoicing
- expense management
- payroll & batch payments
- per-tenant pricing engine
Compliance systems
The layer that fails audits
- Automated KYC & liveness
- automated KYB & UBO resolution
- real-time AML monitoring
- sanctions & PEP screening
- fraud detection
- continuous risk scoring
- immutable audit trail
- regulatory reporting outputs
We build and run the systems and the day-to-day operations. The regulatory responsibility stays where the licence is — with you.
Ledger
The single source of truth
- Double-entry core ledger
- dedicated & pooled IBAN structures
- virtual accounts
- multi-currency balances
- fiat and crypto in one ledger
- automatic reconciliation
- settlement
- custody records
Rails
How money actually moves
- Direct CENTROlink integration
- SWIFT
- local schemes across 30+ markets
- Open Banking A2A
- card schemes
- mass payouts & refunds
Direct scheme access — no correspondent bank in the middle taking a cut, setting cut-off times, or able to reprice and withdraw. CENTROlink participation requires an EEA licence, so it runs under your institution’s own membership; the integration itself is ours, already built and operated.
What we are not
We are not a bank and we do not hold a banking or e-money licence. The institutions we serve hold their own, and that is deliberate — you keep your authorisation, your regulator relationship and your independence.
If you don’t have a licence yet, that path is yours to walk. What we can tell you is that we have built to the requirements of EU and offshore supervisors, passed their audits alongside our clients, and know what a regulator will ask for before they ask.