ACCOUNTS & PAYMENTS
Multi-currency accounts and payment processing on one ledger
Hold and transact in multiple fiat currencies and crypto assets, and move money over the rails your clients actually use: SWIFT, SEPA, fast and instant schemes, Interac, ACH/EFT, and free transfers inside the platform. Every rail books into the same double-entry core, so payments, balances and fees never live in separate systems.
One platform, every payment rail your markets need
- SWIFT, classical cross-border transfers, worldwide.
- SEPA, euro payments across the Single Euro Payments Area.
- Fast and instant payments, domestic transfers that clear in seconds, not on a batch cycle.
- Interac, everyday Canadian transfers.
- ACH/EFT and equivalents, batch domestic clearing as the low-cost option.
- On-platform transfers, instant, between a client’s own accounts and between clients, with no external clearing cost.
New local or regional rails are onboarded as provider integrations and configuration, a commercial decision, not core development. Integrations.
Four deep ends
Multi-Currency Accounts. Fiat currencies and crypto assets in one client profile, with account identifiers usable for external payments and statements straight from the ledger.
SWIFT & SEPA. International payments under your brand, worldwide over SWIFT, euro-area over SEPA, screened and controlled before they leave.
Local & Instant Payments. Interac, ACH/EFT-style batch clearing and fast rails, the domestic stack, first-class.
On-Platform Transfers. Instant transfers inside the platform: between a client’s accounts and between clients, free of external clearing.
Every payment has a lifecycle, and the institution holds the controls
Payments and onboarding run automatically through integrated providers, or route to back-office approval where policy requires it. Before any payment leaves the platform it is compliance-screened, with hold, rejection and action-required outcomes; per-client limits respond to risk rating, PEP and US-person status; country-level availability is maintained centrally. Flagged payments land in back-office queues for review, approval, amendment or investigation, with intervention possible on payments in flight.
Client-side, multi-signatory mandates with configurable approval rules mean money moves only when the right people have signed, on web or on mobile. Four-eyes controls.
Repeat payments start from saved counterparties, beneficiaries stored once, with multiple payout methods, prefilling the right transfer form in a click.
Every payment type is a revenue line
Transaction fees are priced per payment type and direction, per client, down to an individual account, combining flat and percentage components with minimums and maximums, varying by currency, country and transaction size. Every charge maps to its own income position in the books, so payment revenue is reportable by line without manual allocation.
Further rails and geographies, on request
The provider-agnostic integration layer is the expansion mechanism: additional local or regional payment types are onboarded as provider integrations and configuration, with a defined onboarding path. Own correspondent accounts and direct SWIFT connectivity are in development, today’s external settlement runs through integrated providers.
Multi-currency accounts and payments FAQ
Which currencies can clients hold?
Can clients receive external payments into their accounts?
Yes, accounts carry identifiers usable for external payments, and incoming flows are screened and booked like everything else. Identifier specifics per market are scoped with your provider setup.
How do fees on payments work?
Any payment type is priceable per client: flat plus percentage with min/max bounds, differentiated by direction, currency, country and size, changed from the back office without a release. Pricing & Distribution.
What happens when a payment is flagged?
It routes to the back office with a hold, rejection or action-required outcome, reviewed, approved, amended or investigated in the same queues the operations team already works. Transaction monitoring.
Are transfers between our clients really free?
Inside the platform, yes, on-platform transfers are instant and carry no external clearing cost. Whether you charge your clients for them is a tariff decision, not a technical one.
Can we add a rail you do not list?
Usually, yes, new rails are provider integrations plus configuration, with a defined onboarding path. Bring the corridor to the demo and we will scope it.
Watch a payment cross the platform
From client instruction to signed mandate, screening, provider hand-off and the ledger entries behind it, end to end, live.