A white-label platform for workplace and voluntary pension funds: a member app, an employer contribution portal and an administration console, on one ledger.
Deployment: 3-9 months to first live fund
Four roles, one platform
Balance by contribution type, vested amounts, history, statements, loans and planning, in Arabic or English.
Monthly file upload, row-level validation, an error report and resubmission, scoped to its own fund.
Fund set-up from scheme rules, unit prices, one approvals queue, member lookup with an audit trail.
Assets by fund and program, monthly flows, members, loans outstanding and product adoption.
Modules
Programs, vesting, switching and loans are set per fund, and each can be switched off.
Members see their balance by contribution type, vested and unvested amounts, contribution history, program performance and a PDF statement, in Arabic or English with right-to-left layout.
Employers upload monthly contributions from a file template. Every row is validated, errors come back as a report, and corrected files can be resubmitted. Each employer sees only its own fund.
Administrators set up each fund from its scheme rules, publish unit prices, approve uploads, switches and loans from one queue, and look up any member with a full audit trail.
Members allocate voluntary money across the programs their fund offers. Switches are priced at the next published unit price, never instantly, and each fund can turn switching on or off.
Live eligibility, application, approval and payout, with 12 to 36 month schedules repaid through payroll. Eligibility, rate and caps are set per fund, and loans can be switched off.
A risk questionnaire, suggested allocation, retirement projection with what-if sliders and savings goals, plus an optional wealth hub for savings and investment products the operator is licensed to offer.
Architecture
Every balance change goes through one ledger service: row-locked, never negative, units priced by NAV. The wallet, gold and currency modules come from our Digital Banking Platform.
Pilot plan
Member, employer, administrator and executive journeys working end to end on simulated data
Private hosted demo, loan rejection flow and Arabic across every portal
Migration from spreadsheets, eKYC through approved providers, compliant hosting, live contribution collection and native mobile apps
Suitability-based advice and order routing to funds and brokerage beyond the pension
Pension Platform is in private beta. Request a demo and we will walk you through it on your own use case.
Best suited for: Pension fund administrators, asset managers, insurers and large employers running workplace pension, provident or end-of-service savings schemes.
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