The Banking Platform

At the core of the “digital bank,” you will find the most advanced and robust banking platform, which was designed to be the most user-friendly out-of-the-box online banking platform in the world – not only for the end-users but also for you, the bank administrator.

The platform is 100% web-based and encrypted using bank-grade SSL encryption.

The platform allows users to perform instantaneous transfers of funds between accounts or to other users, as well as by wire transfer to any other bank in the world and many other banking functions, unlike any other out-of-the-box banking systems available on the market.

This bank platform operates successfully and is currently used globally in 1,000+ banks and financial institutions.

Functionality & Features

Banking And Financial Services

  1. Personal Banking
  2. Business Banking
  3. Corporate Banking
  4. Private Banking
  5. Investment Banking
  6. International banking and other financial services

Issuance Of Payment Instruments

  1. Issuance of (Visa and Master Card) Credit and Debit cards
  2. Issuance of prepaid cards.
  3. Issuance of virtual cards.
  4. Issuance of own (local) cards
  5. Issuance of virtual currencies

Money Transfers

  1. Bank wire
  2. Money Transfer systems
  3. Internal money transfer
  4. External transfer via a money remittance provider
  5. E-currency transfers
  6. Transfer between accounts and to cards

Mobile And Internet Payments

  1. Internet banking
  2. Mobile banking
  3. SMS banking
  4. Virtual currency banking


  1. E-currency payments
  2. Payments for services (mobile, internet, utility, TV,etc)
  3. Internal payments
  4. Transfer between accounts
  5. Standing orders
  6. Payments for online purchases

Acceptance Of Payment Instruments

  1. Acceptance of credit cards (acquiring)
  2. Acceptance of prepaid cards
  3. Acceptance of e-cheques
  4. Acceptance of virtual currencies
  • Lending And Credits

  • Currency Exchange

  • Investment

Banking & Financial
Services Module

This Module Provides The Following Functionality:

Banking Magic: Deposits, Securities, Guarantees, Cards, and Funds

  • Deposit Taking and Lending
  • Offering of Securities
  • Issuing of Bank Guarantees
  • Credit and Debit Card Issuing Services
  • Borrowing or raising funds from financiers, banks, and other entities by the issue of debentures, bonds, mortgages, commercial instruments, securities, and credit acknowledgments.

Expand Horizons: Assets, Cards, Insurance, Payments, Funds

  • Buying the assets and liabilities of any person or corporation.
  • Issuance of VISA, MasterCard credit, and debit cards.
  • Providing offshore insurance services.
  • Credit Card Payment Processing Services.
  • Operating your bank’s money market or regular mutual fund — or acting as an agent for existing international funds.

Diverse Financial Power: Accounts, Banking, Brokerage, Credit, Securities

  • Merchant Accounts.
  • Private Banking.
  • Offshore Brokerage
  • Providing credit and financial services to any person or corporate entity.
  • Issuing letters of credit, guarantees, performance bonds, stocks, bonds, debentures, derivatives, SKR’s, etc.

Versatile Banking Solutions: Factoring, Wealth, Forex, Multi-currency, CDs

  • Buying and selling any business’s invoices, notes, and receivables (also known commercially as “factoring”).
  • Wealth & Asset Management.
  • Forex Trading.
  • Multi-currency Accounts.
  • Checking Accounts.
  • Issuing various types of CDs to tap into flight-capital markets.
  • Marketing wholesale banking services, such as access to ATM networks and credit-card systems.

Banking Business
Models Module

This Module Features The Following business Models:

Financial Powerhouses: Your Ultimate Banking

  • Commercial Bank.
  • Investment Bank.
  • Hard Money Lender.
  • Mortgage Banking Firm.
  • Hedge Fund.

Financial Solutions: Diverse Wealth Strategies Unveiled

  • Mutual Fund.
  • Financial Holding Company.
  • Title Loan Company.
  • Fundraising Company.
  • Insurance Premium Finance Service.

Maximize Wealth: Your Financial Opportunities Unveiled

  • Mortgage Brokerage Firm.
  • Venture Capital Firm.
  • Cash Flow Note Buyer.
  • Factoring Company.
  • Gold Trading Company.

Wealth Unleashed: Your Financial Freedom Blueprint

  • Loan Brokerage.
  • Commodities Trading Firm.
  • Private Equity Firm.
  • Credit Monitoring Service.
  • Check Cashing – Payday Lender.

Financial Mastery: Elevate Your Wealth and Credit

  • Private Placement Broker.
  • Structured Settlement Buyer.
  • Credit Repair Service.
  • Payday Lender.

Bank Apps Module

This Module Features The Following:

Financial Efficiency: Mastering Systems for Success

  • Loan, Deposit & Interest Management.
  • Transaction Monitoring Systems (TMS).
  • Credit Management System.
  • Accounting software.
  • Currency Transaction Reporting (CTR) Systems.

Digital Banking Revolution: Elevate Your Financial World

  • Net-Banking.
  • E-wallet Software.
  • Mobile Banking App.
  • Bank Virtual POS Gateway.
  • Online Financial Trading Platform.

Next-Gen Finance: Empower Your Business Operations Today

  • Mobile Card Selling Platform.
  • Employee Management System – HRM.
  • International Payment Service Platform.
  • Virtual Bank Account Platform.
  • KYC compliance software.

Financial Security Suite: Your Compliance and Identity Solution

  • Anti-Money Laundering (AML) Compliance Program.
  • Customer Identity Management.
  • Compliance Management Software.
  • Biometric Payroll Management.
  • Online Banking Software.

Business Evolution: Unleash Savings, Efficiency, and Growth

  • Savings System.
  • CRM for Client Management.
  • Marketing Automation Software.
  • Artificial Intelligence Robot Assistants.
  • Enterprise resource planning (ERP).

Smart Banking Solutions: Effortless Money Management

  • Money Transfer Platform.
  • Automated Bank Advisor.
  • Banclear

Banking Module

System Core

Financial Mastery: Multi-Currency Accounting and Beyond

  • Multi-currency Accounting
  • User-defined multi-entity chart of accounts
  • Multi-currency general ledger
  • Account classifications
  • System Administration

Efficiency Unleashed: Smart System, Workflow, and Transactions

  • System setup
  • Workflow Setup
  • Transaction processing rules
  • Product definition and life cycles
  • Payment and Transfer Processing

Boost Profits: Reports, Consolidation, and Seamless Transfers

  • Profitability reports (by customer/account group/product)
  • Consolidated report generator
  • Inter-account transfers
  • Incoming transfers
  • Outgoing transfers

Financial Excellence: Orders, Operations, and Reporting

  • Standing orders
  • Cashier operations
  • Comprehensive Reporting
  • Balance sheet
  • Foreign Exchange

Currency Expertise: Transactions, Cheques, and Account Rules

  • Directory of currencies
  • Currency transactions processing
  • Accepted cheques
  • Cheques drawn on the bank of origin
  • Cheque Management
  • Rules for interest-bearing accounts

Account Versatility: Custom Numbers, Loans, and More

  • Account numbers (custom or standard, e.g., IBAN)
  • Custom conditions for fee applicability
  • Savings accounts
  • System accounts (debit, credit, etc.)
  • Group credit limit

Credit Mastery: Limits, Changes, and Fee Expertise

  • Individual credit limit
  • Credit limit change
  • Credit overview and search
  • Demurrage fees
  • Interest fees

Payment Precision: Fees, Limits, and Destination Control

  • Scheduled or Transaction fees
  • Minimum payment amount per payment
  • Maximum payment amount per payment, per day, per week, and month
  • Maximum number of payments, per day, per week, and month
  • Restrict destination of payments

Payment Precision: Rules, Filters, and Risk Management

  • Access rules per payment types
  • Transfer filters per account type
  • Transfer status flows
  • Unique transaction ID per transaction
  • Unique payment settings per channel (SMS, etc.)
  • Risk management

Internet Banking Module

This Module Provides The Following Functionality:

Seamless Banking: From Application to Transfers

  • Applying for an account online
  • Secure customer login
  • Checking balances and statements
  • Checking transaction history
  • Inter-account transfers

Effortless Banking: Orders, Exchange, and More

  • Payment orders
  • Currency exchange
  • Standing order setup
  • Time deposit placement
  • Online loan application

Security & Convenience: Messaging, Passwords, and Verification

  • Internal messaging
  • Online password change
  • Digital signature
  • Payment passwords
  • Customer verification codes (security codes)
  • Online source of funds declaration

Sms And Mobile
banking Module

Mobile Banking: Register, Retrieve, Activate, and Pay

  • Register new user by SMS
  • Retrieve account information
  • Retrieve payment details
  • Activate phone via SMS (confirmation code)
  • Receive notifications by SMS
  • Make payment

Mobile Banking: Transfer, Pay Bills, and Stay Informed

  • Make inter-account transfers
  • Create outgoing payments using templates
  • Make QR code payments
  • Pay bills
  • Make internal or external transfers
  • Receive account statements on a mobile device

Correspondent Banking

The Module Is Responsible For:

Streamlined Banking Operations: Payments, Statements, and More

  • The processing of payments and statements received from correspondent banks in various formats, e.g. SWIFT, SEPA, etc;
  • Unidentified payments processing
  • Payments reconciliation
  • Incoming/outgoing messaging system
  • Deposit types (product) definition

Efficient Deposits: Interest, Payments, and Maturity Management

  • Interest calculation rules
  • Payment method setup
  • Deposit contract register
  • Deposit tracking
  • Maturity processing and closure

Payment Module

This module provides the following functionality:

Seamless Payments: User-to-User and Beyond

  • User-to-user payments
  • Internal payment (between own accounts)
  • System-to-user payments
  • User to system payments
  • Pay external (non-registered) users using their mobile number or email address

Payment Variety: Scheduled, Recurring, and More

  • Scheduled payments (installments)
  • Recurring payments
  • Invoice payments
  • Bulk payments
  • Webshop payments

Diverse Payments: Cash, PIN-less, Crypto, and More

  • Cash-in cash-out payments
  • PIN-less payments (optional thresholds, e.g. max payment amount and daily limit)
  • Payment requests
  • Virtual currency payments
  • Crypto currency payments

Efficient Bitcoin Payments: Custom Fields and QR Codes

  • Bitcoin currency payments
  • Payment requests
  • Custom payment fields
  • Multi level transaction approval (authorizations)
  • Pay to QR code

Effortless Card Management: Online Applications to Transactions

  • Pay to NFC card
  • Pay to custom card
  • Applying for a payment card online
  • Card management (activation, blocking, changing limits, etc.)
  • Checking card account statements
  • Checking card transaction history
  • Gateways to card issuers/processors


  • Internet banking: Make payments, browse your account history, or find products online.
  • SMS: Do payments by sending SMS keywords or other custom commands.
  • IVR: do payments, and get account and payment information by calling a number.
  • NFC-card: Pay by holding an NFC card to an android device for quick and secure payments.

Remittance Module

Money Remittance Features

This module provides a gateway to the following money transfer systems:

  • Money Gram
  • Blizko
  • Contact
  • Anelik
  • Unistream
  • Coinstar
  • Leader
  • Industrial and commercial bank of China
  • American Express
  • Instant money transfers from the account
  • 20+ Automated Deposit Method.

Loan Module

This Module Provides The Following Functionality:

Loans & Savings

  1. Loan types (product) and term
    Interest rate
  2. Loan origination, tracking, and charges

Borrowers Management

  1. Borrower’s profile
  2. Next of kin details
  3. Business Information
  4. Loan repayment schedule


  1. Borrower numbers
  2. Loan portfolio
  3. Arrears reports
  4. Expected vs. actual payments


  1. Loan disbursements
  2. Balance sheet
  3. Trial balance
  4. Profit and loss accounts

Data Management

  1. Live Amortization
  2. Verification Tools
  3. Storage
  4. Advanced Queries

Payment Solutions

  1. Cash
  2. Card
  3. E-Check
  4. NACHA File Generation

Customer Interaction

  1. Automatic Mailing Service
  2. Customizable Website
  3. E-mail
  4. SMS or Automated Phone Calls

Software Access>

  1. Online Access
  2. User Accounts
  3. API
  4. Platform

Mobile App Module

Mobile Apps: Android, iOS, and More for Payments

  • Android app
  • OS app
  • Build in PhoneGap
  • Source code for large licenses on request
  • Make payment

User-Centric Banking: View, Pay, and Register with Ease

  • View account balance, credit limits
  • View account history
  • Make payment (to the user, to the system)
  • Search users
  • Register user

Tailored User Experience: Customize, Connect, and Expand

  • Register user as a shop (other users)
  • Add user to contact list
  • Customisable layout
  • Customisable entry page / logo
  • Add menu items
  • Add custom pages in app

Android Payments: Streamline, Print, and Export with Ease

  • Android app
  • Receive payment
  • Make payment to customers (cash-out)
  • Print daily transaction list (POS owner)
  • Receive notifications by SMS
  • Multiple user identifiers (QR/barcode, userID, NFC card, or phone)
  • Export tokens as CSV file

NFC Card Integration: Effortless Payments and Integration

  • NFC card will start up the app in POS mode and open receive payment page with the user identified by the NFC card
  • Format NFC card
  • Assign NFC card to customer
  • Batch NFC cards creation
  • Interface for integration with the third party
  • POS or ATM networks

Payment Cards Module

This module provides the following functionality:

Card Convenience: Apply, Issue, Manage, and Monitor Online

  • Applying for a payment card online
  • Issuance of credit and debit cards (Visa and Master Card)
  • Issuance of virtual cards
  • Issuance of own (local) cards
  • Card management (activation, blocking, changing limits, etc.)
  • Checking card account statements

Card Mastery: History, Gateways, Deposits, and Beyond

  • Checking card transaction history;
  • Gateways to card issuers/processors
  • 20+ deposit Methods.
  • Card Showcase, One-click card Purchase.
  • Email/SMS Notification & Verification.
  • And more…

Deposit Module

Deposit Module

This module provides the following functionality:
  1. Deposit types (product) definition;
  2. Interest calculation rules and payment method setup;
  3. Deposit contract register;
  4. Deposit tracking;
  5. Maturity processing and closure
  6. Deposit Management.
  7. Deposit Methods Management.
  8. And More…

Digital Currency
banking Module

This module provides the following functionality:

Instant Currency Power: Create, Exchange, and Invest Globally

  • Create digital currency within 60 seconds with one click.
  • Create money, unlimited purchasing power, credit line, and business credit within 60 seconds whenever you need it, as much as you need it, and as often as you need it. In other words, you can create $1 million, $100 million, $1 billion, $10 billion, or more of your own money out of thin air within 60 seconds to make purchases or investments globally.
  • Currency Exchange Facility – to convert digital currency to cash
  • Manage Currency
  • Support 18+ Global Automated payment Gateway (100+ Currency Support)

Payment Diversity: Receive, Manage, and Invoice with Ease

  • 20+ Payment methods to receive payment.
  • Withdrawal Management
  • Deposit Management
  • Built-in invoice and voucher system
  • Support Multi-Currency.

Empower Payments: Request, E-Wallets, Invoices, and More

  • Request Money Feature.
  • E-wallet and online payment gateway system
  • Online Click Invoice Create & Payment Facility.
  • Support Master / Visa / Amex & Discover.
  • Currency Buy Sell Exchange
  • Unlimited Manual Withdrawal Methods

Escrow Module

This module provides the following functionality:

Secure Transactions: Escrow, Payments, and Currency Exchange

  • Create Escrow.
  • Escrow Management.
  • 20+ Payment methods to receive payment.
  • Unlimited Manual Deposit Methods.
  • Unlimited Manual Withdrawal Methods
  • Currency Exchange

Effortless Finances: Wallets, Transfers, and KYC Compliance

  • Multy Currency Wallets
  • Money Transfers
  • KYC Ready ( Client Document Verification)
  • Fund User’s Wallet from the admin dashboard
  • Ability to freeze users’ balance while processing
  • Withdrawal Requests.

Financial Control: Deposit, Withdrawal, and 2FA Security

  • Deposit Management.
  • Deposit Methods Management.
  • Withdrawal Management.
  • Withdraw Methods Management.
  • 2FA security.
  • And More…

100x Roi Investment

This module provides the following functionality:

Unlock 10,000% ROI: Transform Investments, One Click at a Time

  • Make a 10,000% return on investment, 100-fold return on investment, 100X or 100 times your money within 90 days.
  • Help other investors make a 10,000% return on investment, 100-fold return on investment, 100X or 100 times their money within 90 days.
  • Create 100X ROI Investment opportunities with a single click
  • Create unlimited investment packages/plans/opportunities based on your business plan.
  • Trading and investment management system

Investment Mastery: Plans, Earnings, and Automation

  • Investment Plan/Package Management
  • Daily, Weekly and Monthly Investment Plans
  • Automated earnings based on the investment plan’s period.
  • The automated bot investment system
  • Manually deposit money and make direct investment

Total Investment Control: Unlimited Users, Methods, and Security

  • Manage unlimited users and investments
  • Unlimited withdrawal and deposit methods
  • Make real-time investments whenever and wherever you like.
  • Manually review payouts and approve payments.
  • Complete control over the investment platform
  • Money Transfer, Request for Money Transfer, Send Request money, 2FA, etc.

Trading Module

Automated/Algorithmic Trading

  1. Multi-Strategy Trading
  2. Multi-Symbol Trading
  3. Multi-Interval Trading
  4. Multi-Asset Trading: Trade multiple asset classes at the same time.
  5. Performance Monitoring via streaming charts, order tables, position tables and real time performance metrics, among others

Buy Side

  1. High frequency data acquisition and management,
  2. Algorithmic trading system development for equities, futures, options, bonds, crypto, OTC and other tradable assets
  3. Execution Management System (EMS)
  4. Big data analytics and mining including analysis of data

Sell Side

  1. Advanced market making and hedging systems
  2. Smart order routing for optimal execution to split orders between multiple venues
  3. Auto trading system strategy design using A.I. for high frequency
  4. HFT with latency as low as 20 nanoseconds

Hft, Dma, Quant Systems

  1. Equities, futures, forex, OTC, crypto-currency matching engines
  2. Direct connections to all major exchanges including CME, NASDAQ
  3. Web Socket data broadcasting for mobile and web apps
  4. Plug-and-play trade clearing and settlement systems
  5. Equity/cash market systems

Compliance Module

Aml Compliance And Risk Management

Compliance & Security: Blacklist, Profiles, and Fraud Prevention

  • Black list management, e.g., OFAC, UK Black list, etc.
  • Client profile setup by function and client category;
  • Suspicious transaction identification rules setup
  • Meet compliance requirements, mitigate fraud risks, and increase trust and safety online.
  • Document validity checks

Enhanced Security: Red Flags, Jurisdictions, and Transaction Monitoring

  • Red flag facility
  • High-risk and non-cooperative jurisdictions list management
  • Dormant account monitoring
  • Suspicious transaction logging
  • Client’s limit rules setup

Real-Time Verification: Secure Risk Management and Business Intelligence

  • Risk category management
  • Limit change subject to risk category
  • Verify over 5 billion customers in real-time through 1 API
  • Search and verify over 250 million businesses in real-time
  • Secure business intelligence for entities of all sizes in 80+ countries

Efficient Due Diligence: Ownership, AML Checks, and Automation

  • Get real-time access to company filings from official registers
  • Perform enhanced due diligence procedures.
  • Uncover ownership structures, and Ultimate Beneficial Owners
  • Run AML checks on business entities and UBOs
  • Automate back office and compliance process.


  • Registration and verification of a customer’s credit card
  • Processing (receiving) payments by credit card
  • Integration with an external acquirer
  • Services enabling cash to be placed on a payment account
  • Services enabling cash withdrawals from a payment account

Payment Precision: From Credit Lines to International Remittances

  • Execution of payment transactions where the funds are covered by a credit line
  • Execution of direct debits
  • Execution of payment transactions through a payment card or similar device
  • Execution of credit transfers, including standing orders
    Issuing and/or acquiring payment instruments
  • International money remittance services
  • Reliable framework to support the provision of payment services

Admin Module

Admin functions

Tailored System Control: Configure, Edit, and Customize

  • Ability to set the system configurations
  • Edit site options: admin user/pass, email, site title, and meta tags
  • Ability to set date/time format
  • Edit currency type (USD, pounds, yens, etc..) and set currency precision
  • Enable/disable Signup bonus

Financial Insights: Fees, Commissions, and Categories

  • Set fees and charges
  • View signup statistics
  • View commission statistics
  • View refund statistics
  • View/Edit/Create categories

Business Expansion: Listings, Offices, Payments, and Affiliates

  • View/Edit/Create shop listings
  • Create Multiple Offices
  • Configure payment gateways
  • Affiliate program settings and referral payouts: Supports unlimited affiliate levels.
  • Email Templates Manager – manage email templates

Versatile Administration: Language, FAQ, Funds, and Documents

  • Language Manager – Add/edit/delete language
  • Admin can create/edit/delete FAQ categories
  • Ability to manage FAQ entries
  • Admin has the ability to credit funds into the admin account balance
  • Admin has the ability to credit funds into the user’s account balance
  • Document Management

Effortless Member Management: Search, Edit, and Monitor Online

  • Member Manager
  • Add new members
  • Search members by username, first/last name, and email
  • Ability to view/edit/suspend/delete/close members
  • Built-in “Who Is Online” module so that admin can view members that are currently online.

Comprehensive Admin Control: Verify, Pay, and Communicate

  • Admin can manually verify or activate members
  • Ability to send single payments to members
  • Ability to perform mass payments to many members at the same time
  • Admin can mass mail all members (All, Active or Suspended)
  • Admin can view member’s IP history for possible fraud activities

Admin Insights: Account Details, Transactions, and Platform Management

  • Admin can view/edit member’s account information and account transactions/deposits/withdrawals
  • Account Summary – view the account summary for the day, current month, and year
  • View transaction statistics (pending, completed, canceled, and refund), and admin can sort by date, amount, type, status, sender, and receiver
  • View deposit/withdrawal transactions
  • View escrow transactions
  • Manage the platform

Admin Module

System Configuration

Network Mastery: Multiple Networks, Admins, and Localization

  • Create multiple networks (a network can behave as if it is an independent installation of WTEP)
  • Create a local account, system, and (multi) network administrators
  • Define URLs (domain name) for networks
  • Set group(set) visibility
  • Localisation (language, formatting, timezone) per group(set)

Tailored Control: Timeout, Permissions, and Advanced Searches

  • Customize session timeout per group
  • Set permissions through products
  • Assign multiple products to groups
  • Customized filters for users and advertisements searches
  • Fully indexed searches

Expanded Capabilities: Channels, Customization, and Credential Management

  • Create new access channels
  • Define generated login name
  • Create custom features (scripting module)
  • Create & manage document categories
  • Import users from file
  • Create new credential (password) type

Admin Module

Account Operators, Agents & Brokers

Operator Excellence: Groups, Permissions, and Transaction Monitoring

  • Create operator groups (by user type)
  • Define permissions for individual operators or operator groups
  • Operators overview
  • Show transactions per operator
  • Disconnect operator

Broker Empowerment: Multiple Brokers, Registration, and Management

  • Multiple broker per user
  • Set main broker
  • Register new users
  • Manage user data
  • Print & export users

Efficient Broker Control: Operations, Permissions, and Notifications

  • Perform operations as user
  • Define broker permissions
  • Send mailing to ‘my users
  • View connected users
  • Receive notifications about users
  • Manage passwords of user

Users Module

User Function

User-Centric Experience: Register, Update, and Search with Ease

  • Registration form
  • Profile completion progress bar
  • Update Profile
  • User-defined language
  • User directory search

Seamless Transactions: Buy, Edit, and Manage Payments

  • Buy and sell products and services
  • Edit account profile
  • Edit account password
  • Add/Edit/Delete credit cards
  • Add/Edit/Delete bank accounts

User-Centric Marketplace: Search, Sell, and Verify with Ease

  • Search users by distance
  • Search users by group
  • Sell products – enter the product name, description, price, tax, shipping, return URL, cancel URL and Notify URL for each product
  • Ability to edit/delete products
  • Verify phone for SMS banking

Financial Flexibility: Deposit, Withdraw, Send, and Search

  • Deposit funds
  • Withdraw funds
  • Send payment to another member
  • Perform mass payment
  • Request payment
  • Ability to search for shop listings by keywords

Users Module

User Management

User Management: Register, Block, and Document Handling

  • Register users
  • Remove user
  • Block/unblock user
  • Disable/enable user
  • Upload documents

Empower Agents: Manage, Assign Permissions, and Activate Users

  • Show agents/brokers
  • Manage Users, Features & Payments
  • Give individual permissions (product)
  • Perform actions on behalf of user
  • Activate ‘pending’ users (public registration)

Effective Communication: Messaging, Newsletters, and User Activities

  • Send a message to user
  • Send a message to group
  • Email Newsletter
  • View connected users (per user role)
  • Show member activities

Enhanced Control: Filtering, CRM, Documents, and Currency Creation

  • Filter by branch region
  • CRM features (user records)
  • Manage documents
  • Show users of agent/broker
  • Create Virtual Currency

Comprehensive Records: Comments, Agreements, and Bulk Operations

  • User comments, history search
  • Define registration agreement
  • View user agreement history
  • View profile changes history
  • Bulk operations (run on a selection of users)


The Administrator Is Able To Access:

Efficient Messaging: System and User Messages Handled Seamlessly

  • System messages – Generated when the users request certain transactions, automatically processed and replied to when executed by the administrator. These transactions require individual attention for completion.
  • User messages – secure messaging within the system. Either manually generated by the users when contacting the administrator or by the administrator himself to create messages to an individual user or a general message to all users.

Robust System Management: Logs, Profiles, and Account Control

  • System Log – serves as a log of all the activities in the system by keeping records of all the changes made by either the users or the administrator.
  • Profile editor – to create or search-view and/or modify users’ profiles in the system and modify the sub-administrator profiles.
  • Account manager – to create, search-view, and/or modify accounts to activate, inactivate or block them. Also, to associate optional card accounts to enable users to transfer funds.

Flexible Transactions: Manual Debits, Credits, and Revenue Generation

  • Manual transactions – to manually debit or credit any account in required instances. An additional feature is the ability to select the revenue option, which will include the transaction as a generated fee (thus appearing in the administrator Revenues Report).

Complete Control: Revenue, Reports, and System Configuration

  • Revenue manager – to manage the revenues generated either automatically by the system or manually by the administrator.
  • Reports – Specific User Reports and Global System Reports.
  • System configuration settings – where the administrator can customize the system and the initial setup of the account types, transfer fees, etc.


The User Can Access:

Instant Insights: Account Balances and Transaction Updates

  • Account balances – which shows all accounts with current/available balances, including optional associated debit card accounts. Additionally, the user may view the last transactions of any account for a quick overview.
  • Messages generated by the system – when any transaction request has been executed (i.e. a requested wire transfer, manual transactions applied to an account or changes in the user profile).

Seamless Banking Experience: Messages, Wire Transfers, and More

  • Messages sent by the administrator – contacting the user specifically or a group of users for announcements.
  • Incoming wire transfers – to transfer funds from an external bank into any account. The system will guide the user to create a print out of a pre-elaborated page with the needed information such as the correspondent bank information and the user’s personal reference account number. This can then be faxed by the user to his bank.

Effortless Fund Management: Outgoing and In-House Transfers

  • Outgoing wire transfers – to wire transfer funds out of any account. The system will provide an online form with the needed details for the wire transfer to be later executed by the system administrator. Includes the option to select which transfer fee to apply (i.e. standard or express).
  • In-house transfers – to transfer funds between accounts of the same user or to transfer funds to an account of a different user.

Streamlined Transactions: Debit Card Funding, Profile Edits, and Reports

  • Optional Debit Card funding – this creates a request to the system administrator to execute a debit card funding (only debit card accounts pre-associated to any user). Includes the option to select which transfer fee to apply (i.e. standard or express).
  • Profile editor – to view/modify the user’s profile and password in the system.
  • Reports: Specific Account Transactions, All accounts

Enhanced Support: Executed Transactions, Help Features, and More

  • Executed Transactions, All accounts Balances.
  • AssistedHelp™ provides on-demand and active on-screen help interfaces to users and administrators. Features such as AssistedHelp™ ensure that users take full advantage of all the system’s advanced functions and minimize the need for them to contact the customer service desk with questions regarding the automated processes intended to be made online operations of the financial entity more efficient.

Security Module

The Banking Platform’s Comprehensive Set Of Security Systems Includes:​

Robust Security: Protecting Your Financial Data and Operations

  • Banking protection, Ransomware protection, Antivirus, and browsing protection by antivirus software, firewalls, and an intrusion prevention system.
  • Platform and data centers compliant with PCI-DSS.
  • Data integrity safeguarded by the daily backup of data and the off-site storage of backed-up data. Additionally, servers are replicated to an off-site data centre.

Reliable Operations: Disaster Recovery, Security, and Compliance

  • Business continuity guaranteed via robust disaster recovery plans, which are verified by annual disaster recovery simulations.
  • Regular server updates ensure any vulnerabilities or exploits are locked down with immediate effect.
  • Proactive management strategies to ensure high availability and redundant networks.
  •  ISAE 3402 reports in order to ensure that international standards are adhered to.

Top-Tier Security: SSL, Authentication, Code Protection, and Encryption

  • SSL Security Oriented (256bit)
  • The combination of Username and Password is the first layer of security to login
  • Zend Guard PHP Code Protection
  • Turing Number / CAPTCHA capable. Enabling a type of challenge-response test used to determine whether the user trying to access the system is human. 
  • Sensitive information stored in the Database has MD5 encryption. 

Double-Layered Security: Cutting-Edge Encryption and Pin Validation

  • The system utilizes a combination of ICSA (International Computer Security Association), and PHPSecurity Consortium® approved security technologies to protect and encrypt the data for the financial entity and the users. 
  • The encrypted Security Key, acting as a second layer of security, is a secret pin code that the user has to input to be able to execute transactions. This offers validation during the execution of transactions, ensuring the authenticity of everyone.
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