With FINTEK BOX, you can operate your own branded bank, EMI, MSB, exchange, PSP or crypto PSP.

In platformPersonal accounts Configurable retail products with their own currency set, fee schedule and limits.

In platformBusiness accounts Corporate accounts with master/sub-account structures and role-based access.

In platformMulti-currency ledger The platform’s own double-entry ledger — the single source of truth across every module.

In platformImmutable audit layer Transactions registered on an internal blockchain layer for a tamper-evident trail.

In platformFX and multi-currency balances Hold and move multiple fiat currencies; conversion at a spread you configure.

In platformFee and limit engine Schedules and velocity, ticket and volume limits per product, tier and risk rating.

In platformInternal transfers Instant book transfers between accounts, with no external rail cost.

In platformWhite-label client web app Logo, palette, typography, domain, email templates and content.

Via vendorIBAN issuing / BaaS Dedicated and virtual IBANs through the BaaS or bank vendor or vendors that you select.

Via vendorCard issuing Debit card programmes through an integrated issuer, including spend from crypto balances.

RoadmapNative mobile apps Application shell available; native iOS and Android built per client contract.

In platformFX conversion Market-rate conversion with a configurable spread per corridor and client tier.

In platformPayout orchestration Routing across vendor rails with status tracking, retries and exception statuses.

In platformSettlement cycles Weekly, bi-weekly, monthly or custom cycles, set per client.

In platformSafeguarding model Segregated client funds structured for payment-services, e-money and MiCA expectations.

In platformRolling reserves Reserve and holding-period rules configurable per merchant and vertical.

In platformReconciliation and reporting Paid amount, FX rate, fees deducted and net fiat delivered.

Via vendorSEPA and SEPA Instant Through bank adapters and partner rails in your licensing region.

Via vendorSWIFT International wires through your correspondent bank.

In platformPayout batching Grouped payouts so per-transaction rail cost falls as volume grows.

In platformSettlement statements Per-cycle statements by dashboard, email and PDF.

Via vendorLocal domestic rails Domestic availability through local exchange services rather than a slow cross-border wire.

In platformHot and cold wallet management Operational flow separated from reserve storage.

In platformMulti-asset support Multiple cryptocurrencies and tokens, extensible as configuration.

In platformExchange orchestration Four major exchanges and liquidity venues, with routing and rate selection.

In platformCrypto–fiat conversion Automatic conversion at acceptance, on a schedule, or on instruction.

In platformCrypto–crypto conversion Asset switching inside the platform without an external round trip.

In platformOn and off ramp Client-facing buy and sell flows against fiat balances.

In platformDeposit address management Per-client and per-invoice addresses, monitored and screened on arrival.

In platformWithdrawal approval workflows Threshold-based approvals, four-eyes checks and automated holds.

In platformLive rate feeds Payment pages re-quote every ten seconds while a payment is open.

In platformKey management Secure external key storage, MFA and automated session termination.

RoadmapTrading charts and market analytics Real-time market data planned for a later release.

In platformMerchant onboarding Application, documents, verification, review, agreement and activation in the portal.

In platformHosted payment page Address and QR with the amount re-quoted against live rates every ten seconds.

In platformEmbeddable checkout widget Checkout hosted inside the merchant’s own site or application.

In platformPayment links and invoices Single-use payout requests with unique IDs.

In platformPOS QR payments In-store and event acceptance with the same settlement path as online.

In platformeCommerce plug-ins WooCommerce, Magento and Shopify connectors.

In platformRefunds to sender Crypto returned to the originating address and recorded against the original payment.

In platformDirect fiat settlement Cleared funds into the merchant’s own bank account — not a stablecoin balance.

In platformMerchant dashboard Payments, refunds, settlements, fees and analytics in a single view.

In platformWebhooks and notifications Server-to-server callbacks, plus email and Telegram alerts.

In platformException handling Timeouts, underpayments and overpayments as explicit statuses with alerts.

In platformKYC and KYB onboarding Sumsub integration: document authenticity, face match and video liveness.

In platformUBO and ownership mapping Directors and ultimate beneficial owners identified and screened.

In platformSanctions, PEP and adverse media Automated screening at onboarding and on an ongoing basis.

In platformBlockchain analytics (KYT) Source addresses screened; mixers, darknet-linked and sanctioned addresses flagged.

In platformRisk rating Questionnaire and automated rules drive acceptance, pricing, limits and monitoring.

In platformTransaction monitoring Rules on volume deviation, ticket size, geography, velocity, failed attempts and clustering.

In platformGeo-blocking Restricted countries blocked at onboarding and at transaction level.

In platformInternal block-lists Merchants, users, IPs, domains and crypto addresses routed for review automatically.

In platformCase management and audit trail Every flag, intervention and decision logged and retained.

In platformGovernance and periodic review External MLRO or equivalent reviews rules at least quarterly.

RoadmapBehavioural risk scoring Machine-learning scoring over the rules engine, with human-in-the-loop governance.

In platformOperations console Clients, merchants, accounts, transactions, documents and statuses.

In platformApplication review queue Compliance review, requests for information and in-portal resubmission.

In platformAgreements and e-signature Generated, signed, countersigned, archived and linked to the account.

In platformRole-based access Separated permissions for compliance, finance, support, operations and administration.

In platformFee, limit and product administration Commercial terms changed per client without a code change.

In platformSupport desk Integrated ticketing tied to the client record.

In platformReporting and BI Settlement, volume, fee, FX and compliance reporting, with export.

In platformAlerting Staff alerts on breaches and pending reviews; client alerts on status changes.

In platformDocument vault Verification files held against the client record under defined retention rules.

In platformAudit log Who changed what and when, across configuration, limits and decisions.

BetaAI virtual assistant Chat assistant that answers questions and escalates to a human.

In platformFull brand configuration Logo, palette, typography, domain, email templates and content.

In platformDedicated environment Data, configuration and branding isolated from every other client.

In platformAffiliate programme Unique invitation links, onboarding help and activation tracking.

In platformClient back office Clients see their own customers and activity — and nothing else.

In platformRevenue share configuration Commission models calculated from actual transaction activity.

In platformSub-account structures Master/sub-accounts and sub-merchant structures for payment vendors.

In platformReseller and distributor model Territory distributors operate under their own brand and terms.

In platformContent and legal pages Terms, privacy, fee schedules and help content per brand and market.

In platformNotification templates Every outbound message carries your brand, tone and language.

RoadmapMulti-tenant isolation Single-instance multi-tenancy is a priority build; today each client has a dedicated environment.

RoadmapClient self-service provisioning Clients standing up their own sub-brands without our involvement.

In platformREST API Accounts, transactions, PSP invoicing, approval workflows and events. Documentation being productised.

In platformWebhooks Server-to-server events on every meaningful status change, with retry handling.

In platformMicroservices architecture Components scale independently; high-risk services are segregated.

In platformCloud-native on AWS EC2, RDS and S3 with autoscaling and global availability.

In platformQueue management RabbitMQ and Redis handle workflow throughput under load.

In platformVendor integrations Sumsub, IBAN verification, Binance, Kraken, CEX, FX providers, banking vendors and Zoho CRM.

In platformMulti-factor authentication MFA on all users, automated session termination, secure key storage.

In platformWAF and DDoS protection Edge protection in front of every public surface.

In platformPenetration testing Regular testing and proactive vulnerability management.

In platformPrivate dedicated instance Isolated infrastructure and a private roadmap where required.

RoadmapSource licence / on-premise For clients with sovereignty requirements.

In platformBranded storefront Your shop on your domain, styled to match the rest of your brand.

In platformCatalogue and bundles Products, tiers and limited offers under your control.

In platformCheckout on the PSP layer Crypto and fiat, converted and settled through the same path.

In platformCustomer accounts Registration, order history, receipts and support entry points.

In platformPromotions and pricing control Discounts, campaigns and regional pricing without a release.

In platformCommerce analytics Conversion, basket and repeat-purchase reporting.

In platformMulti-currency pricing List prices per market; checkout converts into the customer’s chosen currency.

In platformOrder and settlement chain Every order tied to its payment, refund and settlement.

RoadmapSelf-service storefront editing Today the storefront is configured together with us.