Record all money movements in real-time, supporting reconciliation, audit, and automation of financial flows

Programatic Ledger

Issue a wide range of different accounts to customers: current, savings, multi-currency, pooled & sub accounts. Store balances & inspect in real-time. Move funds to safeguarded accounts. Orchestrate fund flows across the ledger. 

No need to build a ledger system for issuing client and house accounts

No need to build workflows for complex money movements between issued house and client accounts

No need to build necessary logic required to manage account lifecycles, track account balances and record transactions 

Real-Time Transaction Recording & Audit Trail

Flexible Multi-Account Structure & Segregation

Different types of financial accounts you can issue, including current, savings, pooled, and virtual accounts configured per regulatory or business need

Account Types

Define how accounts relate to each other—for example, separating operational accounts from client money accounts using hierarchies or pooling logic

Account Structures

A unified account model supporting various account structures used by banks, fintechs, and BaaS providers

Account Models

Connect to a wide ecosystem of account & card issuers, payment providers, FX providers, compliance providers & build rewards, cashback, savings & investment products with our partners

Card Providers

Account & Money Movement providers

Front End Providers

Open Banking Providers

Service providers that provide regulatory converage

Licensing providers

Add more features to your product to increase share of wallet

Custom fund flows help you tailor financial transaction processes to fit your specific needs. You can manage funds effectively within unique customer, business and / or investment scenarios to maximise financial outcomes. Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

Custom transaction flows

Record any custom transaction types to address your business model needs with flexible custom transaction flows 

Ledger infrastructure and custom transaction processing to fit any business model

Build connections to service providers and send transactional information to the IF ledger

Plug-in Connectors

implement your own integrations when a service provider is not available on the IF Platform.

Push data to the IF Platform to leverage its core features and functionalities

 Can be used alongside built-in connections for greater flexibility

Greater control over which service providers to work with

Add a rewards and cashback offering into your product

Rewards & Cashback 

Add a investment offering into your product

Investment

Add the ability for your customers to purchase airtime

Mobile Money

Add the ability for customers to execute trading transactions & record on the IF ledger

Trading

Connect your trading app to the IF ledger to manage balances across service providers

Connect your card processor to the IF Platform

External Card Processor

Build merchant cash advance & salary advance features

Lending

Allow your customers to buy & sell stablecoins

Stablecoins

Automate customer onboarding using built-in connectors to KYC/KYB provider and pre-built workflows

Effective client lifecycle management can optimise service delivery and sustain client relationships. Here you can discover practical use cases and technical components you’ll need to manage clients effectively.

Client lifecycle management

Manage clients lifecycle without the need to build complex logic 

No need to build necessary logic required to manage client data orchestration for financial operations such as account creation, compliance checks etc.

Client lifecycle management functionality 

Central repository for your client lifecycle data

Suspend and unsuspend client accounts in a single click 

Client onboarding ensures a comprehensive process for welcoming new clients / users, helping you establish trust and comply with regulatory requirements. Here you can discover practical use cases and technical components you’ll need to onboard clients effectively.

Onboarding data management

No need to build an onboarding data management module on top of your product

Easily manage compliance review flows such as 'approve' and 'reject' with a built-in onboarding data managment capabilties 

Easily turn onboarding application data to client data to be used in financial operations

Client application management functionality

Create a client with the data from an external system, such as your CRM or service provider

Client Migration Flow

Pay & get paid using domestic & international rails, convert between currencies

Be the first to know about our upcoming building blocks releases. 

Incoming transfers 

No need to build a complex business logic to manage transfers lifecycle actions such as accept, reject, suspend for inbound transfers

Access a standardised API layer to connect to any transfer schemes such as SWIFT, SEPA, Faster Payments and more

No need to build the logic required to charge fees based on different parameters such as scheme type, transactions volume and more 

Utilise pre-built funds sweeping logic required to segregate fees from client money

Leverage a pre-built, flexible ledger system to accurately record transfer movements and their impact on account balances

Give clients the ability to send and receive money with the payment rails they know and trust 

Reduce transaction costs and settle funds faster by connecting to multiple payment networks with our Fintech infrastructure

Easily connect to multiple payment rails such as Faster Payments, SEPA, SEPA Instant, ACH, and more through our extensive network of pre-integrated partners

Outgoing transfers 

No need to build a complex business logic to manage transfers lifecycle actions such as hold, accept, reject, release and complete outbound transfers

No need to build the logic required to charge fees based on different parameters such as scheme type, transactions volume and more

Give clients the ability to send and receive money with the payment rails they know and trust

Internal transfers

Access a standardised API layer to manage internal (peer-to-peer) transfers

No need to build the logic required to charge fees based on different parameters such as transactions volume

Leverage a pre-built, flexible ledger system to accurately record transfer movements and their impact on account balances 

Streamline key financial operational processes, achieving greater transparency and accuracy across all account balances

Optimise your financial transfers with standardised transactions across all types - from local and global transfers to cards to digital wallets, and more.

Easily facilitate in-app transfers between users across different geographies

Exchanges

Automatic rolling of exchange if balance below amount converted

International Transfers

Pay & get paid using local payment rails for speed and lower cost

Domestic Transfers

An advanced pricing module that enables you to implement adaptable pricing strategies to meet the needs of clients in a competitive market. Here you can discover practical use cases and technical components you’ll need to maximise your revenue.

Client pricing management

No need to build a complex pricing module to offer customised pricing options for your clients

Utilise a best-in-class back office portal to easily manage, perform and control different client pricing plans 

Product and services pricing management including, incoming and outgoing transfers, foreign exchange and card transactions

Open Banking consents to customer accounts

Open Banking Consents

Built-in Connectivity to third party payment providers

A legal entity with an identity or a name to who customers can transfer money to

Beneficiaries

Beneficiary Verification

Built-in transaction monitoring & screening & compliance workflows

Get notified

Transaction Screening

Transaction Monitoring

Fraud Monitoring

Partner Monitoring

Offer Different card types to customers based on use cases and deal economics

Card Program Type

Card Type

Helping to prevent fraud in online (via e-commerce) credit and debit card transactions

Card Transaction Authentication

Enable access to card data via front end apps

Card Data Management

Licensing coverage in the areas you want to launch

Electronic Money Institution permissions for the UK and EU

EMI coverage

Permission to issue a card program on the major card schemes

BIN Sponsorship

Build, launch, and scale products via API or no-code back-office

Back Office Dashboard

Monitor activity, manage users, and respond to issues in real time

Webhooks

All webhook requests are cryptographically signed

Platform API

OpenID Connect (OIDC) and OAuth 2.0 protocol for authentication and authorization

Idempotency support for safe retry behavior and prevent duplicate processing

Workflow, Data, Connect, Metadata Container Objects

the ability to orchestrate underlying connections/integrations

Ability to perform business functions with the minimum number of API calls

A simple and understandable interface for each business function

an Infrastructure to allow the API to progressively evolve without breaking changes

A white-label web portal for your customers 

Front Office

White-label web portal for you customers to interact with

Connection objects represent the current state of the integration between data on the IF Platform and the corresponding data on the service provider's side. 

Connection Objects

Map identifiers between the IF Platform and the underlying service provider, ensuring seamless integration and synchronisation

Monitor the status of asynchronous operations performed on the service provider's side

Provide warnings about specific errors that may occur during asynchronous processes, enabling prompt resolution and better system reliability

Available in both Built-In and Plug-In connections

Assign roles & permissions to different users across your businesses

RBAC

Use the IF platform to simplify financial reporting and auditing by enriching data and centralise reporting

Attach additional information to a resource based on your specific needs

Custom Attributes

can also be used as filter parameters in "List" APIs, making it easier to refine and manage your data queries

Available on Transaction Accounts, Cards, Beneficary Verifications, Outgoing Transfers & Custom Transfers

Ability to enrich data passing between your service providers

Get an overview over all your customer balances, spot any discrepancies between the IF Ledger vs what is held at your service providers

Reconciliation reports

Synchronise Ledger accounts & service provider balances

Track & manage fund orchestration transfers

Provides metadata for input validations when creating Beneficiary Bank Accounts

Bank Account Input Validation

Transfer Schemes

Transfers Reasons

Build and run end-to-end financial workflows combining onboarding, accounts, ledger, FX, and compliance triggers.

The IF Platform can automatically collect funds to and from client accounts

Fee Collection 

Instant Collection: each transaction’s related amount is collected individually after the transaction is updated to the required state

Deffered Collection: amounts for each reason are recorded in separate buckets or ledgers. At the end of each hour, the aggregated amounts are collected in a single transfer

Fee Collection: Any fees related to a transaction are recorded separately and collected into an organization account designated as the Fee Collection Account

Card Transaction Collection: Amounts spent by clients via card are collected into an organization account designated as the Card Collection Account. This automation helps streamline payments to the issuer.

Suspended Funds Collection: Any transfers that are rejected due to compliance issues (incoming or outgoing) are moved to an organization account designated as the Suspense Account

Generic Transaction Collection: Some generic transactions may require an operational transfer. If this is the case, they are also handled through a collection account

Just-in-time funding sweeps to safeguarding account

Safeguarding

Ensures that client funds are protected and segregated according to e-money regulations

Client accounts can be kept at zero balance by default and only funded when needed for a payment

FX conversion

IF platform coordinates with integrated FX liquidity providers

Customer Onboarding & KYC/KYB Verification

Open accounts or issue cards for the client after verification

Hold transactions before sending to service providers based on screening & monitoring results

Transfer Compliance Checks

Implement fine grained compliance check statuses

API documentation

You can issue virtual bank accounts using our versatile ledger capability and any account provider of your choice. For added convenience and efficiency, consider leveraging our range of pre-built banking integrations, featuring options like ClearBank and LHV.

Virtual Accounts

Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product with the pre-built Integrated Finance and LHV integration.

Access a single API for issuing EU & GB IBANs, eliminating the need to build multiple workflows for each jurisdiction

Utilise a simplified JSON based integration to consume banking services vs handling multiple messages in XML format

Ensure redundancy and eliminate the risk of de-banking by any banking provider 

Easily add, switch, migrate and remove banking providers without the need to build integrations from scratch 

Manage and extend the capability of all account related financial business operations with access to a decoupled ledger system   

Unlimited virtual bank accounts and house accounts 

Corporate and individual virtual bank account types

GB (GBP) and EE IBANS (CZK, EUR, GBP, HRK, HUF, RON)

Universal transfers (domestic + international payment rails) 

Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product with the pre-built Integrated Finance and ClearBank integration.

ClearBank UK

Utilise a pre-certified integration that removes the need for self-certification and conformance testing 

No need to host and integrate Hardware Security Module (HSM) services to conform with the bank's security requirements 

Any accounts provider

Connect any bank account provider to our ledger system via our APIs and / or back office 

Utilise a best-in-class back office portal to easily manage, perform and control incoming, outgoing and FX transactions across multiple client accounts 

Access Integrated Finance's compliance, cards and transfers infrastructure without the need for any additional integrations

Unlimited bank accounts and house accounts 

Any payments provider

Access a flexible API for automating credit and debit transactions across multiple client accounts 