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
Personal Banking
Business Banking
Corporate Banking
Private Banking
Investment Banking
International banking and other financial services
Issuance Of Payment Instruments
Issuance of (Visa and Master Card) Credit and Debit cards
Issuance of prepaid cards.
Issuance of virtual cards.
Issuance of own (local) cards
Issuance of virtual currencies
Money Transfers
Bank wire
Money Transfer systems
Internal money transfer
External transfer via a money remittance provider
E-currency transfers
Transfer between accounts and to cards
Mobile And Internet Payments
Internet banking
Mobile banking
SMS banking
Virtual currency banking
Payments
E-currency payments
Payments for services (mobile, internet, utility, TV,etc)
Internal payments
Transfer between accounts
Standing orders
Payments for online purchases
Acceptance Of Payment Instruments
Acceptance of credit cards (acquiring)
Acceptance of prepaid cards
Acceptance of e-cheques
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.
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:
Deposit types (product) definition;
Interest calculation rules and payment method setup;
Deposit contract register;
Deposit tracking;
Maturity processing and closure
Deposit Management.
Deposit Methods Management.
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 Module
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
Multi-Strategy Trading
Multi-Symbol Trading
Multi-Interval Trading
Multi-Asset Trading: Trade multiple asset classes at the same time.
Performance Monitoring via streaming charts, order tables, position tables and real time performance metrics, among others
Buy Side
High frequency data acquisition and management,
Algorithmic trading system development for equities, futures, options, bonds, crypto, OTC and other tradable assets
Execution Management System (EMS)
Big data analytics and mining including analysis of data
Sell Side
Advanced market making and hedging systems
Smart order routing for optimal execution to split orders between multiple venues
Auto trading system strategy design using A.I. for high frequency
Direct connections to all major exchanges including CME, NASDAQ
Web Socket data broadcasting for mobile and web apps
Plug-and-play trade clearing and settlement systems
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.
ACQUIRING AND PSD COMPLIANCE
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)
USABILITY FEATURES
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.
USABILITY FEATURES
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.