01Balances and IBANs
A customer holds as many currencies as you offer, each balance sitting behind a dedicated or pooled IBAN so incoming payments land against the right one without anyone sorting them.
A wallet that holds money and moves it between people.
Balances in every currency you offer, each with an IBAN behind it, cards issued against them, and transfers that land in seconds. Built and operated by us, carrying nothing of ours.
02Sending and receiving
Transfers by phone number, QR payments and requests between customers. Underneath, SEPA Instant clears through a direct CENTROlink integration, so a transfer settles in seconds rather than on a banking day.
03Cards against the balance
Virtual and physical cards issued on the same ledger as the wallet, so a card spend and a wallet balance are one record rather than two systems reconciled overnight.
Capabilities.
- Multi-currency balances
- Dedicated and pooled IBAN structures, virtual accounts, and balances in every currency you offer.
- Person-to-person payments
- Transfers by phone number, QR payments, and payment requests between customers.
- Instant euro settlement
- SEPA Instant, SEPA Credit Transfer and Direct Debit through a direct CENTROlink integration, at scheme cost.
- Card issuing
- Virtual and physical cards on the wallet's own ledger, with spend controls and 3-D Secure.
- Currency exchange
- Conversion inside the wallet at your own rates, spreads and tiers.
- Onboarding and monitoring
- Automated KYC with liveness at sign-up, then real-time AML monitoring and continuous risk scoring on what follows.
- Notifications
- Push notifications on payments and account activity.
- Statements
- Generated per balance and period from the ledger itself.
- Applications
- Native iOS and Android apps and a web portal, published under your own listings.
Every component described here is running in production today inside licensed financial institutions whose platform we build and operate.
Watch it work before you commit to anything
We will take you through the wallet as it stands, in the apps and behind them, and map what you are launching onto what is already there. You will be talking to the people who run the platform.