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FX & CRYPTO

FX and crypto banking on a single ledger

Your clients hold currencies and crypto assets, convert between them, and see one coherent picture, because the platform accounts for crypto in the same double-entry books as fiat, at full precision. Not a wallet bolted onto a banking app: one ledger for both worlds.

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One ledger for both worlds

The industry norm is two systems taped together: a banking core for fiat and a crypto wallet beside it, reconciled by hope. FinLabCore books fiat and crypto movements through the same double-entry ledger, balanced, write-once entries, full precision for crypto amounts, dual valuation in account and reporting currency, and daily revaluation of open positions. Your statements, your P&L and your safeguarding story cover both asset worlds with one engine.

That is what crypto-friendly banking should mean: not tolerance, but accounting.

Four ways in

FX Spot. Spot conversion between held currencies at quoted rates, executed and settled immediately, with the institution’s spread applied as revenue.

Crypto. Crypto accounts and deposit addresses, transfers, and conversion crypto to fiat and crypto to crypto through an institutional exchange venue.

Crypto Pricing (in development). Crypto activity priced through the tariff engine: transfers and conversion margin as a fully configurable, per-client revenue line.

FX Margin Trading (planned). Trading on margin rather than funded balances, extending the FX book with position keeping, collateral and exposure management.

Venue-agnostic execution behind one integration layer

Crypto conversion executes through an institutional exchange venue, integrated the same way payment providers and card issuers are: as configuration behind the integration layer, not as a hard dependency. The venue does the execution; your platform does the accounts, the controls and the books. Clients never leave your brand to touch crypto.

The currency business is a margin business, price it like one

FX is revenue by construction: the institution’s spread applies on every conversion, plus conversion fees, each booked to its own income position, so FX result reports itself. Crypto carries its own transfer and conversion fees today, and full crypto pricing through the tariff engine, per client and changed from the back office without a release, is in development. Spread, fees and margin, one pricing discipline across both asset worlds.

FX & crypto banking FAQ

How is this different from adding a crypto wallet to a banking app?
A bolted-on wallet keeps its own numbers, and someone reconciles them to the bank’s. Here crypto balances and conversions are booked in the same double-entry ledger as fiat, at full precision, one set of books, one statement, one audit story. The Ledger.
The set is configuration plus venue and provider reach, mapped to your markets rather than fixed by the product, bring your list to the demo.
On the FX spread and conversion fees for fiat, and on transfer and conversion fees for crypto. FX charges are configured per client through the tariff engine today; granular per-client crypto pricing is in development. Each charge books to its own income position, so revenue reports by line. Pricing & Distribution.
Non-reporting-currency balances are revalued daily at current rates with the gain or loss booked, and every entry carries dual valuation fixed at registration, the balance sheet shows real positions. How the ledger does it.
Yes, crypto-to-fiat and crypto-to-crypto conversion executes through an institutional exchange venue, with the result booked into the client’s accounts like any other movement. Crypto.
Yes, capabilities are enabled per tenant with controlled rollout and instant switch-off, so your brand runs the combination your market and permissions call for. How multi-tenancy works.

One conversion, two worlds, one set of books

Watch a spot FX trade and a crypto conversion execute, then look at the entries behind them.

Book a Demo  ·  See the Ledger.