Finomatica
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The apps already exist. They just have your name on them.

Native iOS and Android and a web portal, in production and carrying your brand, your domain and your own store listings. Behind all three, one ledger — so a balance is the same number wherever a customer opens it.

01Built, not budgeted for

Designing and building iOS, Android and a web portal from nothing is where most of a launch's cost and all of its delay sits. All three exist, run in production, and go out under your own store listings, your domain and your design language.

02One core behind all three

The apps and the portal read from the same double-entry ledger. A balance, a payment or a newly issued card is the same record wherever a customer opens it, which is why there is one reconciliation rather than three systems agreeing later.

03Sending from the phone

A customer pays by phone number or QR code, or asks somebody else for money. Euro transfers clear through a direct CENTROlink integration, and a push arrives the moment one lands.

Capabilities.

iOS and Android
Published under your own app store listings, carrying no mark of ours.
Web portal
The same product on the desktop, on your own domain.
Your design language
Name, logo, colours and tone throughout — fully white-labelled.
Accounts and balances
Multi-currency balances with dedicated and pooled IBAN structures behind them.
Card controls
Order, freeze and unfreeze, set limits per card, category and period, manage the PIN.
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.
Onboarding in the app
Automated capture, extraction and liveness, with escalation to a person where it is needed.
Notifications
Push on payments and account activity.
Statements and support
Statements generated from the ledger, and self-service where the customer already is.

Months to launch rather than years, because the part that takes years is already written and running inside licensed financial institutions whose platform we build and operate.

Watch it work before you commit to anything

We will take you through the apps as they stand, on the platform they run on, and map what you are launching onto what is already there. You will be talking to the people who run the platform.

Get in touch