Explore the planned payment, digital-asset, compliance, treasury and
developer components that form the Fintech Meta operating model. Each
component is planned and subject to authorisation.
Developer infrastructure
API gateway and webhooks
Planned API access and webhooks for integrating accounts, payments, payouts, treasury and reporting.
Approval workflows
Planned multi-user approval chains for payments, payouts, conversions and sensitive actions.
Payment orchestration
Planned routing, validation and control of payment instructions across rails and providers.
Digital assets
Address risk scoring
Planned scoring of crypto-asset addresses before transfers to approved wallets.
Blockchain analytics
Planned analysis of on-chain activity to assess exposure and support monitoring decisions.
Crypto-asset ledger
Planned ledger recording supported crypto-asset positions and movements, kept separate from the fiat ledger.
Fiat and crypto conversion
Planned controlled conversion between euro and a narrow list of supported crypto-assets and compliant stablecoins.
Institutional custody and MPC controls
Planned institutional custody of supported crypto-assets with key-management and approval controls.
Travel Rule exchange
Planned exchange of originator and beneficiary information for qualifying crypto-asset transfers.
Operations
Approval workflows
Planned multi-user approval chains for payments, payouts, conversions and sensitive actions.
Double-entry fiat ledger
Planned double-entry ledger recording every fiat movement for balance integrity and reconciliation.
Fraud and device-risk controls
Planned fraud and device-risk signals to detect account takeover, anomalies and abuse.
KYB and KYC
Planned verification of businesses, ownership and individuals during onboarding and review.
Reconciliation and regulatory reporting
Planned reconciliation across ledgers and generation of reports required for oversight.
Transaction monitoring
Planned monitoring of transactions against expected behaviour, with alerts and case management.
Payments
API gateway and webhooks
Planned API access and webhooks for integrating accounts, payments, payouts, treasury and reporting.
Dedicated and virtual IBANs
Planned dedicated and virtual IBAN structures for collections, segregation and reconciliation.
Mass payout engine
Planned high-volume payout processing with beneficiary verification and approvals.
Payment orchestration
Planned routing, validation and control of payment instructions across rails and providers.
SEPA Instant
Planned near-instant euro credit transfers for time-sensitive collections and payouts.
SEPA payments
Planned euro credit transfers across the SEPA area for collections and payouts.
RiskOS
Address risk scoring
Planned scoring of crypto-asset addresses before transfers to approved wallets.
Blockchain analytics
Planned analysis of on-chain activity to assess exposure and support monitoring decisions.
Fraud and device-risk controls
Planned fraud and device-risk signals to detect account takeover, anomalies and abuse.
KYB and KYC
Planned verification of businesses, ownership and individuals during onboarding and review.
Sanctions, PEP and adverse-media screening
Planned screening of parties against sanctions, PEP and adverse-media sources at onboarding and on an ongoing basis.
Transaction monitoring
Planned monitoring of transactions against expected behaviour, with alerts and case management.
Travel Rule exchange
Planned exchange of originator and beneficiary information for qualifying crypto-asset transfers.
Treasury
Crypto-asset ledger
Planned ledger recording supported crypto-asset positions and movements, kept separate from the fiat ledger.
Double-entry fiat ledger
Planned double-entry ledger recording every fiat movement for balance integrity and reconciliation.
Fiat and crypto conversion
Planned controlled conversion between euro and a narrow list of supported crypto-assets and compliant stablecoins.
Reconciliation and regulatory reporting
Planned reconciliation across ledgers and generation of reports required for oversight.
Safeguarding structure
Planned separation and safeguarding of client funds, kept distinct from corporate funds and reconciled daily.