At the core of our “Bank in the Box” package you will find the Banking platform, which was designed to be the most user-friendly out-of-the-box online banking software in the world – not only for the end-users, but also for you, the bank administrator. You will use it to create and maintain customer profiles and accounts, manage fee structures and track revenues. The platform is 100% web-based, and encrypted using bank-grade SSL encryption.

The software allows the users to communicate securely with the administrator(s) through the secure encrypted messaging interface. This allows them to perform instantaneous transfers of funds between accounts or to other users, as well as by wire transfer to any other bank in the world. Unlike any other out-of-the-box banking systems available on the market.

The system supports multiple administrator accounts with different functions and authorization levels. All relevant transaction fees can be configured in the admin settings, and applied automatically when transactions are executed. Customers can be categorized in different profile groups, allowing for varying fee schedules for their client types (e.g. personal and corporate). The system supports multiple currencies and cross-currency transactions. You can customize the system in seconds by changing the color scheme and by uploading your own logotypes in the admin settings.

Our software solutions operate successfully in banks and payment institutions across the world. This is our own proprietary web-based banking system and is currently used by 1,000+ financial institutions.


This banking platform offers the most advanced and robust system in the world with the following features:


With this banking platform, you can legally engage in banking and exchange business activities such as:

  • Deposit Taking and Lending
  • Offering of Securities
  • Issuing of Bank Guarantees
  • Credit and Debit Card Issuing Services
  • Borrowing or raising funds from financiers, banks and other entities by the issue of debentures, bonds, mortgages commercial instruments, securities, and credit acknowledgments
  • Buying the assets and liabilities of any person or corporation
  • Issuance of VISA, MasterCard credit and debit cards
  • Providing offshore insurance services
  • Credit Card Payment Processing Services
  • Operating your bank’s own money market or regular mutual fund — or acting as an agent for existing international funds
  • Merchant Accounts
  • Private Banking
  • Offshore Brokerage
  • Providing credit and financial services to any person or corporate entity
  • Issuing letters of credit, guarantees, performance bonds, stocks, bonds, debentures, derivatives, SKR’s, etc.
  • Buying and selling the invoices, notes, and receivables of any business (also known commercially as “factoring”)
  • Wealth & Asset Management
  • Forex Trading
  • Multi-currency Accounts
  • Checking Accounts
  • Issuing various types of CDs to tap into flight-capital markets
  • Marketing wholesale banking services, such as access to ATM networks and credit-card systems


Top up the account

  • Bank wire
  • Money Transfer systems
  • E-currency
  • Credit and Debit cards
  • Prepaid cards
  • Payment kiosks

Currency exchange

  • Internal exchange at a client request
  • Exchange via a third-party FX provider


  • Bank wire
  • Payments for services (mobile, internet, utility, TV,etc)
  • Internal payments
  • Transfer between accounts
  • Standing orders
  • Payments for online purchases

Money transfers

  • Internal money transfer
  • External transfer via a money remittance provider (Anelik, Contact)

Withdrawals from an account

  • Bank wire
  • Transfer to card
  • Money remittance system (Anelik, Contact)
  • E-currency

Issuance of payment instruments

  • Issuance of co-branded cards (Visa and Master Card)
  • Issuance of virtual cards
  • Issuance of own (local) cards

Mobile and internet payments

  • Internet banking
  • Mobile banking
  • SMS banking

Acceptance of payment instruments

  • Acceptance of credit cards (acquiring)
  • Acceptance of prepaid cards
  • Acceptance of e-cheques

Core Banking Platform Features

  • Rapid Deployment – Operational within 10 days
  • Highest Security – PCI Compliance and 256Bit SSL
  • Scalability – Modular Programming
  • User-friendly Interface – Easy Interaction
  • Worldwide – Multi-currency & Multilingual
  • Best ROI – Most Affordable Solution
  • Compliant – Highest KYC banking standards
  • Integrations – Banks, Payments and Cards Platforms
  • Multi-Currency
  • Multi-Region friendly (i.e. formats)
  • Multi-Language
  • Multi-Administrators
  • Group Users (i.e. VIP, Investors, General Public, etc)
  • Detailed Real Time Reporting
  • Multi-currency support (real time exchange feeds)


With this banking platform, you can provide 24 different financial services and operate 24 different models.

  • Commercial Bank
  • Investment Bank
  • Hard Money Lender
  • Mortgage Banking Firm
  • Hedge Fund
  • Mutual Fund
  • Financial Holding Company
  • Title Loan Company
  • Fundraising Company
  • Insurance Premium Finance Service
  • Mortgage Brokerage Firm
  • Venture Capital Firm
  • Cash Flow Note Buyer
  • Factoring Company
  • Gold Trading Company
  • Loan Brokerage
  • Commodities Trading Firm
  • Private Equity Firm
  • Credit Monitoring Service
  • Check Cashing - Payday Lender
  • Private Placement Broker
  • Structured Settlement Buyer
  • Credit Repair Service
  • Payday Lender


In this module, you’ll get 29 different software for the financial services section of your banking platform

  • Loan, Deposit & Interest Management
  • Transaction Monitoring Systems (TMS)
  • Credit Management System
  • Accounting software
  • Currency Transaction Reporting (CTR) Systems
  • Net-Banking
  • E-wallet Software
  • Mobile Banking App
  • Bank Virtual POS Gateway
  • Online Financial Trading Platform
  • Mobile Card Selling Platform
  • Employee Management System - HRM
  • International Payment Service Platform
  • Virtual Bank Account Platform
  • KYC compliance software
  • Anti-Money Laundering (AML) Compliance Program
  • Customer Identity Management
  • Compliance Management Software
  • Biometric Payroll Management
  • Online Banking Software
  • Savings System
  • CRM for Client Management
  • Marketing Automation Software
  • Interspire Email marketing Software
  • Artificial Intelligence Robot Assistants
  • Enterprise resource planning (ERP)
  • Money Transfer Platform
  • Automated Bank Advisor
  • Banclear


  • Multi-currency Accounting
  • User-defined multi-entity chart of accounts
  • Multi-currency general ledger
  • Account classifications
  • System Administration
  • System setup
  • Workflow Setup
  • Transaction processing rules
  • Product definition and life cycles
  • Payment and Transfer Processing
  • Profitability reports (by customer/account group/product)
  • Consolidated report generator
  • Inter-account transfers
  • Incoming transfers
  • Outgoing transfers
  • Standing orders
  • Cashier operations
  • Comprehensive Reporting
  • Balance sheet
  • Foreign Exchange
  • Directory of currencies
  • Currency transactions processing
  • Accepted cheques
  • Cheques drawn on the bank of origin
  • Cheque Management
  • rules for interest-bearing accounts
  • Account numbers (custom or standard, e.g. IBAN)
  • Loans
  • Set custom conditions for fee applicability
  • Savings accounts
  • Brokering fees
  • System accounts (debit, credit, etc.)
  • Group credit limit
  • Individual credit limit
  • Credit limit change
  • Credit overview and search
  • Demurrage fees
  • Interest fees
  • Scheduled or Transaction fees
  • Minimum payment amount per payment
  • Maximum payment amount per payment, per day, per week and per month
  • Maximum number of payments, per day, per week and per month
  • Restrict destination of payments
  • Access rules per payment types
  • Transfer filters per account type
  • Transfer status flows
  • Unique transaction ID per transaction
  • Unique payment settings per channel (SMS, etc.)
  • Risk management


  • User to user payments
  • Internal payment (between own accounts)
  • System to user payments
  • User to system payments
  • Pay external (non registered) user using their mobile number or email address
  • Scheduled payments (installments)
  • Recurring payments
  • Invoice payments
  • Bulk payments
  • Webshop payments
  • Cash-in cash-out payments
  • PIN-less payments (optional thresholds, e.g. max payment amount and daily limit)
  • Payment requests
  • Virtual currency payments
  • Crypto currency payments
  • Bitcoin currency payments
  • Payment requests
  • Custom payment fields
  • Multi level transaction approval (authorizations)
  • Pay to QR code
  • Pay to NFC card
  • Pay to custom card
  • Applying for a payment card online
  • Card management (activation, blocking, changing limits etc.)
  • Checking card account statements
  • Checking card transaction history
  • Gateways to card issuers/processors


  • Create / edit advertisement
  • Multiple pictures per advertisement
  • Rich text for advertisement editing
  • Schedule advertisement
  • Pay member or non-member
  • Favourite Offers or Members
  • Shipping Addresses
  • Purchase History
  • Email or Mobile Notifications
  • Authorize advertisement (admin/broker)
  • Select address per advertisement
  • Custom search filters
  • List new advertisements
  • Debit an Account
  • Product and Service Listing
  • Multiple images for each listing
  • Featured or New Offers
  • Sales History
  • Category browsing
  • Multiple advertisement categories
  • Create advertisement categories
  • Advertisement matching
  • View and complete sales
  • Rate other members
  • Purchase History
  • Create request/wanted item
  • Receive money from another member
  • Contact seller
  • Advertisement questions / answers
  • Notification on ad status change
  • Custom advertisement fields
  • Upload multiple offers by uploading excel or CSV
  • Upload company brochure
  • Shipping Options For Offer
  • Shipping fees in v-currencies


  • Applying for an account online
  • Secure customer login
  • Checking balances and statements
  • Checking transaction history
  • Inter-account transfers
  • Payment orders
  • Currency exchange
  • Standing order setup
  • Time deposit placement
  • Online loan application
  • Internal messaging
  • Online password change
  • Digital signature
  • Payment passwords
  • Customer verification codes (security codes)
  • Online source of funds declaration


  • Register new user by SMS
  • Retrieve account information
  • Retrieve payment details
  • Activate phone via SMS (confirmation code)
  • Receive notifications by SMS
  • Make payment
  • Make inter-account transfers
  • Create outgoing payments using templates
  • Make QR code payments
  • Pay bills
  • Make internal or external transfers
  • Receive account statements on mobile device


The module provides a gateway via the QSG hub to the following money transfer systems:

  • Money Gram
  • Blizko
  • Contact
  • Anelik
  • Unistream
  • Coinstar
  • Leader
  • Industrial and commercial bank of China
  • American Express
  • Instant money transfers from account
  • Payment account top-up



  • Loan types (product) and term
  • Interest rate
  • Loan origination, tracking and charges


  • Borrower's profile
  • Next of kin details
  • Business information
  • Loan repayment schedule


  • Borrower numbers
  • Loan portfolio
  • Arrears reports
  • Expected vs actual payments


  • Loan disbursements
  • Balance sheet
  • Trial balance
  • Profit and loss accounts


  • Live Amortization
  • Verification Tools
  • Storage
  • Advanced Queries


  • Cash
  • Card
  • E-Check
  • NACHA File Generation


  • Automatic Mailing Service
  • Customizable Website
  • E-mail
  • SMS or Automated Phone Calls


  • Online Access
  • User Accounts
  • API
  • Platform


  • The processing of payments and statements received from correspondent banks in various formats, e.g. SWIFT, SEPA, etc;
  • Unidentified payments processing
  • Payments reconciliation
  • Incoming/outgoing messaging system
  • Deposit types (product) definition
  • Interest calculation rules
  • Payment method setup
  • Deposit contract register
  • Deposit tracking
  • Maturity processing and closure


  • Ability to set the system configurations
  • Edit site options: admin user/pass, email, site title and meta tags
  • Ability to set date/time format
  • Edit currency type (USD, pounds, yens etc..) and set currency precision
  • Enable/disable Signup bonus
  • Set fees and charges
  • View signup statistics
  • View commission statistics
  • View refund statistics
  • View/Edit/Create categories
  • View/Edit/Create shop listings
  • Create Multiple Offices
  • Configure payment gateways
  • Affiliate program settings and referral payouts: Supports unlimited affiliate levels
  • Email Templates Manager - manage email templates
  • Language Manager - Add/edit/delete language
  • Admin can create/edit/delete FAQ categories
  • Ability to manage FAQ entries
  • Admin has the ability to credit funds into the admin account balance
  • Admin has the ability to credit funds into the user's account balance
  • Document Management
  • Member Manager
  • Add new members
  • Search members by username, first/last name and email
  • Ability to view/edit/suspend/delete/close members
  • Built-in "Who Is Online" module so that admin can view members that are currently online
  • Admin can manual verify or activate members
  • Ability to send single payments to members
  • Ability to perform mass payments to many members at the same time
  • Admin can mass mail all members (All, Active or Suspended)
  • Admin can view member's IP history for possible fraud activities
  • Admin can view/edit member's account information and account transactions/deposits/withdrawals
  • Account Summary - view account summary for the day, current month and year
  • View transaction statistics (pending, completed, cancelled and refund) and admin can sort by date, amount, type, status, sender and receiver
  • View deposit/withdrawal transactions
  • View escrow transactions
  • Manage platform


  • Registration form
  • Profile completion progress bar
  • Update profile
  • User defined language
  • User directory search
  • Buy and sell products and services
  • Edit account profile
  • Edit account password
  • Add/Edit/Delete credit cards
  • Add/Edit/Delete bank accounts
  • Search users by distance
  • Search users by group
  • Sell products - enter the product name, description, price, tax, shipping, return URL, cancel URL and Notify URL for each product
  • Ability to edit/delete products
  • Verify phone for SMS banking
  • Deposit funds
  • Withdraw funds
  • Send payment to another member
  • Perform mass payment
  • Request payment
  • Ability to search for shop listings by keywords


  • Register users
  • Remove user
  • Block/unblock user
  • Disable/enable user
  • Upload documents
  • Show agents/brokers
  • Manage Users, Features & Payments
  • Give individual permissions (product)
  • Perform actions in behalf of user
  • Activate ‘pending’ users (public registration)
  • Send message to user
  • Send message to group
  • Email Newsletter
  • View connected users (per user role)
  • Show member activities
  • Filter by branch region
  • CRM features (user records)
  • Manage documents
  • Show users of agent/broker
  • Create Virtual Currency
  • User comments, history search
  • Define registration agreement
  • View user agreement history
  • View profile changes history
  • Bulk operations (run on selection of users)


  • Create multiple networks (a network can behave as if it is as an independent installation of WTEP)
  • Create local account, system and (multi) network administrators
  • Define URLs (domain name) for networks
  • Set group(set) visibility
  • Localisation (language, formatting, timezone) per group(set)
  • Customize session timeout per group
  • Set permissions through products
  • Assign multiple products to groups
  • Customized filters for users and advertisements searches
  • Fully indexed searches
  • Create new access channels
  • Define generated login name
  • Create custom features (scripting module)
  • Create & manage document categories
  • Import users from file
  • Create new credential (password) type


  • Data on expenditure
  • Data on income
  • Number of logins
  • Groups/branches numbers of users
  • Percentage of users not trading
  • Account information
  • Advertisements
  • References
  • View account summary
  • View current balance
  • View charges & fees
  • View payment history
  • Print & export payments
  • Search payments (user, date, description, etc.)
  • View payment details
  • Dynamic payment filters



  • GMV Growth Rate, M-o-M (%) [2]
  • GMV Growth Rate, Y-o-Y (%) [3]
  • Take Rate (%)
  • Revenue ($) [4]
  • Revenue from transaction fees ($)
  • Revenue from listing fees ($)
  • Gross Merchandise Volume (GMV) ($) [1]
  • # of Transactions
  • Average Order Value (AOV) ($)
  • Revenue from supplier or seller services ($)
  • Buyer-to-Seller Ratio [5]
  • Total CAC as a percentage of Revenue (%) [6]


  • Total # of Sellers or Suppliers
  • # of New Sellers or Suppliers
  • Seller or Supplier Growth Rate, M-o-M (%)
  • Seller or Supplier Growth Rate, Y-o-Y (%)
  • Sell-Through Rate (%)
  • Percentage of Suppliers still active after 1 month (%)
  • Percentage of Sellers or Suppliers still active after 1 year (%)
  • Average revenue generated per Seller or Supplier ($)
  • Average percentage of Month 1 GMV generated in Month 12
  • Percentage of revenue generated by Top 20% Sellers or Suppliers (%)
  • Seller or Supplier NPS
  • Seller or Supplier CAC (paid and organic) ($) [13]
  • Seller or Supplier CAC (paid) ($) [14]
  • Percentage of Sellers or Suppliers acquired through paid acquisition (%)
  • Total # of Listings [15]
  • # of New Listings
  • Listings Growth Rate (%) [16]
  • Average Listing Price ($)


  • Total # of Buyers
  • # of New Buyers
  • Buyer Growth Rate, MoM (%)
  • Buyer Growth Rate, YoY (%)
  • Average amount purchased per Buyer ($)
  • Percentage of Buyers who have purchased more than once (%)
  • Percentage of GMV from Buyers who purchased in previous months (%)
  • Percentage of Buyers whose second purchase is in a different category (%)
  • Average # of Orders per Buyer
  • Average Order Growth per Buyer, YoY
  • Average percentage of Month 1 GMV generated by Buyers in Month 12 (%)
  • Buyer CAC (paid) ($)
  • Buyer NPS
  • Buyer CAC (paid and organic) ($)
  • Percentage of Buyers acquired through paid acquisition (%)
  • Percentage of revenue generated by Top 20% Buyers (%)


  • Android app
  • Receive payment
  • Make payment to customer (cash-out)
  • Print daily transaction list (POS owner)
  • Receive notifications by SMS
  • Multiple user identifiers (QR/barcode, userID, NFC card or phone)
  • Export tokens as CSV file
  • NFC card will start up the app in POS mode and open receive payment page with the user identified by NFC card
  • Format NFC card
  • Assign NFC card to customer
  • Batch NFC cards creation
  • Interface for integration with third party
  • POS or ATM networks


  • Android app
  • iOS app
  • Build in phonegap
  • Source code for large licenses on request
  • Make payment
  • View account balance, credit limits
  • View account history
  • Make payment (to user, to system)
  • Search users
  • Register user
  • Register user as shop (other users)
  • Add user to contact list
  • Customisable layout
  • Customisable entry page / logo
  • Add menu items
  • Add custom pages in app



  • Multi-Strategy Trading
  • Multi-Symbol Trading
  • Multi-Interval Trading
  • Multi-Asset Trading: Trade multiple asset classes at the same time.
  • Performance Monitoring via streaming charts, order tables, position tables and real time performance metrics, among others


  • High frequency data acquisition and management,
  • Algorithmic trading system development for equities, futures, options, bonds, crypto, OTC and other tradable assets
  • Execution Management System (EMS)
  • Big data analytics and mining including analysis of data


  • Advanced market making and hedging systems
  • Smart order routing for optimal execution to split orders between multiple venues
  • Auto trading system strategy design using A.I. for high frequency
  • HFT with latency as low as 20 nanoseconds

HFT, DMA, Quant Systems

  • Equities, futures, forex, OTC, crypto-currency matching engines
  • Direct connections to all major exchanges including CME, NASDAQ
  • Web Socket data broadcasting for mobile and web apps
  • Plug-and-play trade clearing and settlement systems
  • Equity/cash market systems


  • Create operator groups (by user type)
  • Define permissions for individual operators or operator groups
  • Operators overview
  • Show transactions per operator
  • Disconnect operator
  • Multiple broker per user
  • Set main broker
  • Register new users
  • Manage user data
  • Print & export users
  • Perform operations as user
  • Define broker permissions
  • Send mailing to ‘my users
  • View connected users
  • Receive notifications about users
  • Manage passwords of user


  • Send rich text message to user
  • Send bulk messages (mailings) by admin or agent
  • Define message categories (per user group)
  • Forward internal messages to email
  • Message history (inbox, sent, trash)
  • Purge messages in trash after period (automated task)
  • Member to member email messages
  • Send notifications on error by email or SMS
  • Receive notifications on events
  • Member receives emails after each transaction
  • Member receives SMS/Mobile alerts after each transaction
  • Member receives SMS/Mobile alerts when user ask questions about offer, listing he created
  • Member receives email when user ask question about offer, listing he created
  • Member receives SMS, Email when purchase or sale made
  • Member receives SMS, Email when order status changes
  • Member receives SMS, Email when someone request a quote or proposal


  • Intuitive site design
  • Multiple websites (per group / branch)
  • Create new menu items
  • Manage content pages
  • Create & manage banners
  • Manage footers/headers
  • Manage message board
  • Upload logos
  • Define logo/header for pdfs (e.g reports)
  • Create new themes (styles, images, etc.)
  • Import/export themes
  • Customizable Theme
  • Customizable UI
  • Customizable Email Templates
  • Customizable Member Site Content
  • Customizable Mobile Alerts


  • Black list management, e.g. OFAC, UK Black list, etc.
  • Client profile setup by function and client category;
  • Suspicious transaction identification rules setup
  • Meet compliance requirements, mitigate fraud risks, and increase trust and safety online
  • Document validity checks
  • Red flag facility
  • High-risk and non-cooperative jurisdictions list management
  • Dormant account monitoring
  • Suspicious transaction logging
  • Client’s limit rules setup
  • Risk category management
  • Limit change subject to risk category
  • Verify over 5 billion customers in real-time through 1 API
  • Search and verify over 250 million businesses in real-time
  • Secure business intelligence for entities of all sizes in 80+ countries
  • Get real-time access to company filings from official registers
  • Perform enhanced due diligence procedures.
  • Uncover ownership structures, and Ultimate Beneficial Owners
  • Run AML checks on business entities and UBOs
  • Automate back office and compliance process.


  • Registration and verification of a customer's credit card
  • Processing (receiving) payments by credit card
  • Integration with external acquirer
  • Services enabling cash to be placed on a payment account
  • Services enabling cash withdrawals from a payment account
  • Execution of payment transactions where the funds are covered by a credit line
  • Execution of direct debits
  • Execution of payment transactions through a payment card or similar device
  • Execution of credit transfers, including standing orders
  • Issuing and/or acquiring of payment instruments
  • International money remittance services
  • Reliable framework to support the provision of payment services


  • Create and manage vouchers types
  • Set voucher redeeming options (e.g. possible weekdays)
  • Define voucher layout
  • QR code generation
  • Print & export vouchers
  • Buy & print voucher by user
  • Vouchers overview & search by admin
  • View my vouchers by user



  • Automatic Setup & Management
  • Automated Creation of services is possible as soon as an order is placed, on receipt of payment or only after manual review.
  • Automated Suspension can be performed when accounts become overdue, with auto reactivation as soon as the overdue bills are paid.
  • Automated Termination can be set to remove user accounts should they become delinquent for a specified amount of time.
  • Automated Upgrades make it easy for users to upgrade their services, with automatic orders.
  • Automatic Payment Processing


  • Announcements is a blog like news system allowing you to post your latest news & updates on your website.
  • Support Ticket System for tracking all client communication and allowing multiple staff to view/respond.
  • Knowledgebase allows you to provide answers to common questions and topics and reduce your support load.
  • Support Departments allow you to route tickets to the appropriate staff with staff assignments per department.
  • Downloads System allows you to make files available with support for client only restricted access, and tracking of downloads.


  • Account management
  • Contact management
  • Leads management
  • KYC management
  • Mailing list management
  • Stock management
  • Integrated fraud checking
  • Transactions logging
  • Income forecasts
  • Departments
  • Ticket Assignment
  • Dynamic calendar capabilities
  • Customer Center
  • Dynamic reporting


  • Multiple Currencies allow you to invoice & bill your customers in as many different currencies as you want, all at the same time.
  • Credits System allows your clients to deposit funds to prefund their accounts with you, and automatically keeps track of and applies any overpayments to future invoices.
  • One Off & Recurring options mean you can perform both regular billing, payment plans and one off custom invoicing for bespoke services.
  • Professional Looking Invoices. Send your clients high quality professional looking invoices. PDF versions are attached to every invoice related email.
  • Automated reminders about invoices

Usability Features

The Administrator is able to access:

  • System messages – Generated when the users request certain transactions, automatically processed and replied to when executed by the administrator. These transactions require individual attention for completion.
  • User messages – secure messaging within the system. Either manually generated by the users when contacting the administrator or by the administrator himself to create messages to an individual user or a general message to all users.
  • System Log – serves as a log of all the activities in the system by keeping records of all the changes made by either the users or the administrator.
  • Profile editor – to create or search-view and/or modify users’ profiles in the system as well as to modify the sub administrator profiles.
  • Account manager – to create or search-view and/or modify accounts to then activate, inactivate or block them. Also, to associate optional card accounts to enable users to transfer funds to them.
  • Manual transactions – to manually debit or credit any account in required instances. An additional feature is the ability to select the revenue option which will include the transaction as a generated fee (thus appearing in the administrator Revenues Report).
  • Revenue manager – to manage the revenues generated either automatically by the system or manually by the administrator.
  • Reports – Specific User Reports and Global System Reports.
  • System configuration settings – where the administrator can customize the system as well as the initial setup of the account types, transfer fees, etc.

the Users are able to access:

  • Account balances – which shows all accounts with current/available balances, including optional associated debit card accounts. Additionally the user may view the last transactions of any account for a quick overview.
  • Messages generated by the system – when any transaction request has been executed (i.e. a requested wire transfer, manual transactions applied to an account or changes in the user profile).
  • Messages sent by the administrator – contacting the user specifically or a group of users for announcements.
  • Incoming wire transfers – to transfer funds from an external bank into any account. The system will guide the user to create a print out of a pre-elaborated page with the needed information such as the correspondent bank information and the user’s personal reference account number. This can then be faxed by the user to his bank.
  • Outgoing wire transfers – to wire transfer funds out of any account. The system will provide an on-line form with the needed details for the wire transfer to be later executed by the system administrator. Includes the option to select which transfer fee to apply (i.e. standard or express).
  • In-house transfers – to transfer funds between accounts of the same user or to transfer funds to an account of a different user.
  • Optional Debit Card funding – this creates a request to the system administrator to execute a debit card funding (only debit card accounts pre-associated to any user). Includes the option to select which transfer fee to apply (i.e. standard or express).
  • Profile editor – to view/modify the user’s profile and password in the system.
  • Reports: Specific Account Transactions, All accounts Executed Transactions, All accounts Balances.
  • AssistedHelp™ provides on-demand and active on-screen help interfaces to users and administrators. Features such as AssistedHelp™ ensure that users take full advantage of all the advanced functions that the system offers as well minimizing the need for them to contact the customer service desk with questions regarding the automated processes that are intended to make online operations of the financial entity more efficient.


  • SSL Security Oriented (256bit)
  • The combination of Username and Password is the first layer of security to login
  • Zend Guard PHP Code Protection
  • Turing Number / CAPTCHA capable. Enabling a type of challenge-response test used to determine whether the user trying to access the system is human.
  • Sensitive information stored in the Database has MD5 encryption.
  • The system utilizes a combination of ICSA (International Computer Security Association) and PHPSecurity Consortium® approved security technologies to protect and encrypt the data for the financial entity, as well as for the users.
  • The encrypted Security Key, acting as a second layer of security, is a secret pin code that the user has to input to be able to execute transactions. This offers a validation during the execution of transactions, ensuring the authenticity of each and every one.
  • Electronic Signature enabled for Access Control


  • Rapid Deployment – Operational within 10 days
  • Highest Security – PCI Compliance and 256Bit SSL
  • Scalability – Modular Programming
  • User-friendly Interface – Easy Interaction
  • Worldwide – Multi-currency & Multilingual
  • Best ROI – Most Affordable Solution
  • Compliant – Highest KYC banking standards
  • Integrations – Banks, Payments and Cards Platforms
  • Multi-Region friendly
  • Multi-Administrators
  • Group Users
  • Detailed Real Time Reporting
  • Multi-currency support
  • Multiregional friendly

Issuance of payment instruments

  • Issuance of co-branded cards (Visa/Master Card)
  • Issuance of own cards
  • Issuance of virtual currencies

Acceptance of payment instruments

  • Acceptance of credit cards
  • Acceptance of debit cards
  • Acceptance of e-cheques
  • Acceptance of virtual currencies

Mobile and internet payments

  • Internet banking
  • Mobile banking
  • SMS banking
  • Virtual currency and cryptocurrency banking

Withdrawals from an account

  • Bank wire
  • Transfer to card
  • Money remittance system
  • E-currency

Money transfers

  • Internal money transfer
  • External transfer via a money remittance provider
  • E-currency transfers
  • Transfer between accounts


  • Bank wire
  • Payments for online purchases
  • Internal payments
  • Standing orders

Top up the account

  • Bank wire
  • Money Transfer systems
  • E-currency
  • Credit and Debit cards


  • B2B Marketplace
  • Trade Exchange
  • Countertrade
  • Futures trading


  • Internet banking: Make payments, browse your account history or find products online.
  • SMS: Do payments by sending sms keywords or other custom commands.
  • IVR: do payments, get account and payment information by calling a number.
  • NFC-card: Pay by holding an NFC card to an android device to do quick and secure payments.

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