Our Technology Platform:

Our mobile technology platform integrates industry legacy payment processing platforms to our proprietary middleware system with API-led connectivity for fast and easy program implementation. Our middleware platform was designed and developed to allow customers to download our app and open a bank account with a fast and seamless CIP/KYC approval process. It also enables us to process cross-border international money transfers safely and securely at the same time complying with applicable money transfer regulations and minimizing fraud.

Our technology platform includes:

• Mobile application customer interface which allows customers to open bank account (General Purpose Reloadable debit card) make international remittances, mobile top-ups, and bill payments.
• A proprietary risk management system that allows us to analyze a range of data to detect compliance issues and fraud, including predictive artificial intelligence models, inline real-time rules engines, granular controls, 24/7 expert oversight, sending limits, and comprehensive searching to link related accounts. Our risk management technology helps us manage the primary risk challenges our business confronts, including payment and fraud risk, anti-money laundering and regulatory compliance, and acceptable use concerns.
• A proprietary transaction processing platform that allows us to send money seconds after our customer has authorized a transaction.
• A proprietary disbursement integration platform that securely integrates our systems directly with those of our disbursement partners, so that we can deliver money quickly to a recipient’s bank account or to one of our disbursement partners for cash pick-up.
• An automated testing framework that allows us to continuously test our operating platform using innovative applications of technologies to cost-effectively simulate customer behavior in order to produce a high-quality operating platform.