ComplyAdvantage monitoring 

Looking for a modern Fintech infrastructure to open accounts? Here you can discover practical use cases and technical components such as ledger and sub-accounts you’ll need to issue accounts.

A flexible ledger system provides you with transparent record-keeping and clear insights into financial transactions, helping you identify revenue streams for informed decision-making. Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

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 reporting (e.g. statements, payables, receivables, fees, revenue etc.)

Powerful funds orchestration workflows (including card fund flows)

Safeguarding client funds across unlimited number of client accounts 

Financial orchestration is integral for seamlessly coordinating diverse financial processes and fund flows. You can synchronise, aggregate and reconcile payment data within a complex financial ecosystem. Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

Financial orchestration

Just-In-Time (JIT) funding and sweeping configuration toggle/ tool (aka virtualisation)

Sub-accounts are essential for efficient financial management, allowing you to segregate funds, track specific expenses, and achieve greater clarity and control over your overall financial portfolio. Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

Sub-accounts

No need to build a ledger system for issuing and managing sub-accounts

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

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

Unlimited ledger accounts and sub-accounts 

Wallets provide you with a secure and convenient digital solution for users to manage, store, and transact with their financial assets in a centralised digital space. Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

Wallets

No need to build a ledger system for issuing and managing wallets

No need to build workflows for complex money movements between wallets and accounts

No need to build necessary logic required to manage wallet top-ups and spend

Unlimited wallet top-ups and spend transactions 

Real-time wallet reporting (e.g. statements, payables, receivables, fees, revenue etc.)

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

Looking for a modern Fintech infrastructure that includes pre-built banking integrations such as Currencycloud and Modulr? Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product. 

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 Modulr integration.

Modulr

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 standard accounts and house accounts 

Corporate and individual standard account types

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

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 

Unlimited virtual bank accounts and house accounts 

Corporate and individual virtual bank account types

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

Currencycloud

Corporate and individual standard account types 

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 Railsr integration.

Railsr

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

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

Looking for a modern Fintech infrastructure to capture and manage client data? Here you can discover practical use cases and technical components such as onboarding and pricing you’ll need to manage clients effectively.  

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

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

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 

Looking for a modern Fintech infrastructure that includes pre-built customer onboarding integrations such as Sumsub? Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

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 Sumsub integration.

Sumsub

Gain full control over your customer onboarding journey, optimising UX / UI experiences 

No need to build seperate individual and business data verification processes / logic 

Extend additional decision making review flows post verification stage without the need to build additional logic 

Verify users or businesses all while managing cases effectively 

Streamlined verification process, eliminating delays and minimising customer friction

ID, video and address user verification to speed up onboarding

Looking for a modern Fintech infrastructure to make local, global, peer-to-peer, multi currency and operational transfers? Here you can discover practical use cases and technical components you’ll need to enable.  

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

Looking for a modern Fintech infrastructure that includes built-in transaction screening integrations such as ComplyAdvantage? Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

Get notified

ComplyAdvanatge screening 

No need to build a complex screening logic to identify potential screening statuses and action accordingly

No need to build a complex screening logic to record screening statuses that are associated with specific individuals and legal entities

Sanctions, watchlists, adverse media, PEPs and warning lists to automate labor-intensive processes

Fully automated customer screening solution 

Improve the efficiency and accuracy of your sanctions screening

Looking for a modern Fintech infrastructure that includes built-in transaction monitoring integrations such as ComplyAdvantage? Here you can discover practical use cases and technical components you’ll need to launch and scale your financial product.

No need to build a monitoring integration 

No need to build a complex transaction monitoring logic to identify potential statuses and action accordingly

No need to build a complex monitoring logic to record statuses that are associated with specific transactions

Rules library of AML/CFT industry typologies

Reduce false positives by 70% with a pre-built transaction monitoring tool

Flagright monitoring

No need to build complex transaction monitoring logic

Own the integration to Flagright yourself (plug-in connector)

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.

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 

Utilise a whitelabel front-office customer application to manage, track and display account information and balances 

Any card processor

Utilise a best-in-class back office portal to easily perform settlement payments from designated card collection accounts 

Push and record any card transactions from your processor / issuer of choice directly to the ledger 

Safeguarding client funds across unlimited number of client accounts for real-time aggregation of funds 

API documentation 

You can issue standard accounts to your clients using our powerful financial orchestration capabilities and our range of pre-built banking integrations, featuring options like Currencycloud and Modulr, or by establishing a custom connection to any account provider of your choice.

You can issue debit cards using our versatile ledger capability, combined with our pre-built integrations with virtual and standard account providers such as Modulr, LHV and ClearBank, and by establishing a custom connection to any card processor of your choice. 

You can perform currency conversions on the Modulr platform using our powerful financial orchestration capabilities, combined with our pre-built Modulr banking integration, and by establishing a custom connection to any liquidity provider of your choice.

Any liquidity provider

No need to build a streamlined, decoupled ledger system showing updated client balances as a result of FX transactions 

Utilise a best-in-class back office portal to perform liquidity operations such as sending funds to your liquidity provider, converting, receiving funds back to your house and/or client accounts

Real-time liquidity management on live currency conversion rates 

You can perform currency conversions on the Railsr platform using our powerful financial orchestration capabilities, combined with our pre-built Railsr banking integration, and by establishing a custom connection to any liquidity provider of your choice.

You can record lending transactions using our versatile ledger capability, combined with a variety of our pre-built integrations with virtual and standard account providers such as LHV, Currencycloud, Modulr, and more. 

You can offer clients an overdraft facility using our versatile ledger capability, combined with a variety of our pre-built integrations with virtual and standard account providers such as Modulr, ClearBank, Currencycloud, and more. 

You can aggregate account issuing across multiple banks using our versatile ledger capability, combined with any payments provider of your choice.

You can issue standard accounts using our versatile ledger capability, combined with our pre-built Currencycloud and Modulr banking integrations.

You can issue virtual bank accounts using our versatile ledger capability, combined with pre-built banking integrations with ClearBank and LHV.

You can issue savings pots to your clients using the sub-accounts feature, combined with a variety of our pre-built integrations with virtual and standard account providers such as ClearBank, Modulr, Currencycloud, LHV, and more.

You can issue client sub-accounts using the sub-accounts feature and any account provider of your choice. For added convenience and efficiency, consider leveraging our range of pre-built banking integrations, featuring options like Modulr, Currencycloud and LHV.

You can connect a digital wallet with a bank using the wallets feature, and by establishing a custom connection to any payments provider of your choice. 

You can offer your clients digital wallets using the wallets feature, combined with our flexible transaction flows, and any payments provider of your choice.

You can charge account maintenance fees using our versatile ledger capability and our flexible custom transaction flows designed to tailor financial processes to fit your specific needs.

You can charge negative interest rates using our versatile ledger capability and our flexible custom transaction flows designed to tailor financial processes to fit your specific needs.

You can offer clients the ability to add money to a digital wallet using the wallets feature, combined with our flexible custom transaction flows, and any payments provider of your choice.

You can offer your clients cashback using the sub-accounts feature, combined with  our flexible custom transaction flows  and any accounts provider of your choice.

You can verify client identity using our onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

Any onboarding provider

Easily post onboarding application data to Integrated Finance via API

You can verify business identity using our onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

You can initiate client verification via your mobile customer application using the onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

You can verify shareholders and directors information using the onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

You can migrate verified client data using our client lifecycle management feature. 

Any CRM provider

Easily post verfied client data to Integrated Finance via API

Verified client data for re-use to reduce financial operations steps

Any account provider (clients)

Easily pull verified client data from any banking provider for client data orchestration 

You can suspend client accounts using our client lifecycle management feature.

You can set up flexible pricing plans using our client lifecycle management and advanced client pricing management features. 

You can set up tiered pricing using our client lifecycle management and advanced client pricing management features. 

You can automate your KYC / KYB processes using the onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

You can create and record a risk score for your clients using the onboarding data management feature and any onboarding provider of your choice. For added convenience and efficiency, consider leveraging our pre-built Sumsub customer onboarding integration.

You can screen depositors of incoming transfers using the incoming transfers feature and any screening provider of your choice. For added convenience and cost optimisation, consider leveraging our built-in ComplyAdvantage transaction screening integration.

Any screening provider

Plug-in any screening provider to pre-built workflows such as, incoming and outgoing transfers

Easily plug-in any screening provider of your choice

Gain complete control over your screening set up in line with your business needs and resources

You can screen beneficiaries of outgoing transfers using the outgoing transfers feature and any screening provider of your choice. For added convenience and cost optimisation, consider leveraging our built-in ComplyAdvantage transaction screening integration. 

You can monitor incoming transfers using the incoming transfers feature and any customer monitoring provider of your choice. For added convenience and cost optimisation, consider leveraging our built-in ComplyAdvantage transaction screening integration. 

Any monitoring provider

Plug-in any monitoring provider to pre-built workflows such as, incoming and outgoing transfers

Easily plug-in any monitoring provider of your choice

Gain complete control over your monitoring set up in line with your business needs and resources

You can monitor P2P transfers using our transfers feature combined with a built-in ComplyAdvantage transaction monitoring integration, or any account provider of your choice. With our infrastructure there’s no need to build a transaction monitoring integration or any of the logic required to identify potential transaction statuses in-house.

You can monitor incoming transfers using our outgoing transfers feature and any customer monitoring provider of your choice. For added convenience and cost optimisation, consider leveraging our built-in ComplyAdvantage transaction monitoring integration.

You can charge fees for incoming transfers using the incoming transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in house the logic  required to charge fees based on custom parameters such as scheme type, transaction volume and more. 

You can charge fees for outgoing transfers using the transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing  and baking integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the logic required to charge fees based on custom parameters such as scheme type, transaction volume and more.

You can charge fees for SWIFT incoming transfers using the incoming transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the logic required to charge fees based on custom parameters such as scheme type, transaction volume and more. 

You can charge fees for SWIFT outgoing transfers using the transfers feature combined with our powerful financial orchestration capabilities and our built-in Currencycloud banking integration or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the logic required to charge fees based on custom parameters such as scheme type, transaction volume and more.

You can charge fees for SEPA incoming transfers using the incoming transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the workflows for complex money movements. 

You can charge fees for SEPA outgoing transfers using the transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing and banking integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the workflows for complex money movements.

You can charge fees for SEPA incoming transfers using the incoming transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our infrastructure you can leverage a built-in flexible ledger system to accurately record transfer movements and their impact on your account balances.

You can charge fees for SEPA Instant transfers using the transfers feature combined with our powerful financial orchestration capabilities and built-in account issuing LHV and Modulr integrations, or any accounts provider of your choice. With our infrastructure you can leverage a built-in flexible ledger system to accurately record transfer movements and their impact on your account balances.

You can charge fees for Faster Payments incoming transfers using the incoming transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the logic required to charge fees based on custom parameters such as scheme type, transaction volume and more.

You can charge fees for Faster Payments outgoing transfers using the transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing  and banking integrations, or any accounts provider of your choice. With our financial orchestration, there’s no need to build in-house the logic required to charge fees based on custom parameters such as scheme type, transaction volume and more.

You can perform client to client transfers using the internal transfers feature combined with our powerful financial orchestration capabilities and our range of built-in account issuing integrations, or any accounts provider of your choice. With our infrastructure you can access a standardised API layer to efficiently manage internal (peer-to-peer) transfers.

You can perform a KYC refresh using the client lifecycle management feature combined with our built-in transaction screening ComplyAdvantage integration, or any screening provider of your choice. With our infrastructure, there’s no need to build in-house the logic required to to identify potential screening statuses and action accordingly.

You can screen client applications for sanctions using the onboarding data management feature combined with our built-in transaction screening ComplyAdvantage integration, or any screening provider of your choice. With our infrastructure, you can easily manage compliance review flows.

You can whitelist or backlist specific clients during onboarding using our onboarding data management feature and our pre-built identity verification integration. With our infrastructure, you can easily manage compliance review flows such as 'approve' and 'reject' with a built in onboarding data management capabilities.