DIGITAL BANKING PLATFORM
Launch accounts, international payments, FX, cards and crypto under your brand, on a ready-to-use core banking platform with a real double-entry ledger behind every balance and a complete back office behind every screen. Live in production, not on a roadmap.
Live in production · Web + native iOS & Android apps · Multi-tenant by design · Fiat + crypto in one ledger · Built in Tallinn, EU
✓ Powering Montowire in production, real clients, real payments, real books.
Your brand, one platform, across web and mobile.
Most routes to “your own banking product” end in one of two places. A dashboard over a provider’s balances, fast to launch, impossible to grow into regulated activity, because the numbers on screen are not your accounting. Or a fork of somebody’s codebase, yours to brand, yours to maintain, ageing from the day it is cut.
FinLabCore is built to refuse both: a genuine accounting system with a banking platform on top, where every brand is an isolated tenant on one continuously improved core. The rest of this page is what follows from that decision.
| Accounts & Payments | Multi-currency accounts holding fiat and crypto, SWIFT and SEPA, local and instant rails including Interac and ACH/EFT, and free instant transfers inside the platform. |
| FX & Crypto | Spot FX with your spread as revenue; crypto accounts, transfers and conversion through an institutional venue, priced through the tariff engine, booked in the same ledger. |
| Cards | Virtual and physical cards, full lifecycle control, multiple card providers running side by side, configured per brand. |
| Onboarding & Compliance | KYC/KYB with tiered levels, payments screened before they leave, four-eyes controls, safeguarding, and regulator-ready (FINTRAC) reporting data. |
| Pricing & Distribution | A tariff engine that prices any client activity, eight revenue lines, plus a commission-based agent channel. |
| The Back Office | Client and payment lifecycle, accounting operations, integrated ticketing, ops oversight and a full management reporting suite. |
And underneath all six: cloud operations run with automated deployment, configuration-as-code and monitoring.
And in your clients’ hands: the white-label apps ship with a finished client experience, saved counterparties, a file manager, record-linked support chat, multi-profile access and PIN-signed payments, on day one.
This is the part competitors cannot copy with a redesign. A classical chart of accounts; atomic, write-once entries; dual valuation on every position, revalued daily as FX moves; client funds booked as liabilities, separated from safeguarding accounts and reconciled against them.
The practical consequence: your statement is your general ledger. Auditors, regulators and your own CFO read the same numbers, produced by the same engine. How the Ledger works →
A platform your clients love is only half the product. The other half is where your institution actually runs: onboarding review, payment approval and investigation, manual bookings and period-end routines, price lists, tracked support tickets, operational queues and a full reporting suite, all role-based, all attributable.
A new tenant inherits this complete operating capability on day one, which is why headcount scales with business volume, not transaction count. Inside the Back Office →
The core is in production today. Bring your use case; we will show you how it runs.
| Launch a Neobank | You have the market and the plan, skip the two years of core development. |
| EMIs & MSBs | Your obligations, mapped line by line to the platform that answers them, safeguarding to FINTRAC. |
| Payment Institutions | Payments that move, books that reconcile, ops that do not scale with transaction count. |
| White-Label | Your brand on the whole platform, apps, cards, back office, as a tenant, not a fork. |
| Payment Gateway | Turn your rails into a product: merchants and platforms paying through your API, settling in your books. |
Montowire, a multi-currency banking and payments platform for business clients, is the first live tenant: real corporate clients holding multi-currency accounts, paying over SWIFT, SEPA and local rails, converting FX and crypto, using cards, through a white-labelled web app and native iOS and Android apps, with the whole institution operated from the FinLabCore back office.
Everything above runs in production; nothing on the roadmap blocks a launch. The core is continuously engineered, every improvement lands for every tenant at once, and what is next is direction, not completion: FX margin trading coming to the live FX book, and an on-request catalogue (deposits, lending, new rails and programmes) built with the partners who need it first. What is next →
A working platform against your use case beats any slide deck.
The team behind FinLabCore also builds for others: fintech product development, PI and MSB software, wallet and P2P apps, and dedicated engineering teams, from people who run a banking platform in production.
The core is in production today. Bring your use case; we will show you how it runs.
FinLabCore · Peterburi tee 53, Tallinn, Estonia · +372 60 28445 · Registry code 17104525