A white-label digital account for fintechs, exchange houses and licensed partners: multi-currency wallets, virtual cards, payments by handle and automatic savings, on one ledger.
Deployment: Scoped per licensed partner
Who it serves
Several currencies and gold in one account, virtual cards, payments by handle and gold savings goals.
User management, roles, sessions and savings-goal plans in an admin console.
One card issuer integrated today, with holds at authorisation and settlement from the issuer's webhooks.
Your brand and domain, with light and dark themes, operated with a licensed partner.
Modules
Provider adapters mean issuers and funding rails can change without a rebuild.
Customers hold several currencies and gold in one account, see a balance per currency and convert between them with a built-in converter.
Issue, freeze and unfreeze virtual cards per currency. Holds are placed at authorisation and settled from the card issuer's webhooks, so the balance always matches the card.
Customers send money to each other by @handle, see the recipient's name before confirming and add a note to every transfer.
Gold is shown in grams. Customers set savings goals with weekly or monthly automatic buys, planned in grams or in money. Gold is held through a custody or tokenized-gold partner, where permitted.
Card spending earns cashback in gold, and opt-in round-ups move spare change into gold savings, settled on the same ledger.
One lock-safe ledger records every movement. Customers get full transaction history and per-currency statements on screen and as PDF.
Architecture
Every movement goes through one lock-safe ledger service. Card issuing and funding plug in through provider adapters.
Pilot plan
Multi-currency accounts, virtual card issuing and per-currency statements
Pay by handle, gold savings goals, cashback and round-ups
Partner onboarding, live funding rails and compliance review
Connect the Pension Platform and Brokerage Platform on the same ledger
Digital Banking Platform is in private beta. Request a demo and we will walk you through it on your own use case.
Best suited for: Fintechs, exchange houses, banks launching a digital brand and payroll platforms that want accounts, cards and savings under their own brand, operated with a licensed partner.
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