EMI Solution
Launch Your Digital Payment Service, Faster. Be Compliant from Day One.
Launching a regulated E-Money Institution (EMI) or Digital Payment service is a complex undertaking. We provide a pre-built, turnkey technology stack that is architected for compliance, helping you navigate the technical maze of central banks and financial authorities worldwide, de-risk your launch, and accelerate your time-to-market.
The Global Challenge: The High Bar of Financial Regulation
Becoming a licensed digital payment provider is a massive opportunity, but the path is paved with complex challenges common in every jurisdiction. Financial regulators rightfully mandate an institutional-grade technology platform that is demonstrably secure, scalable, auditable, and resilient.
Building this from the ground up requires you to overcome universal hurdles:
Navigating Complex Regulations
Translating dense regulatory frameworks (like Europe's PSD2 and AMLD6, or local data residency laws like GDPR) into precise technical specifications.
Massive Upfront Investment
Years of development and significant capital expenditure before launching.
Complex Integrations
Building secure, reliable connections to national and international payment infrastructures, such as real-time payment schemes (e.g., SEPA Instant, FedNow), card networks, and local gateways.
Significant Risk
The danger of failing a regulatory audit after years of effort, setting your launch back indefinitely.
Our Solution: A Production-Ready, "Compliance-by-Design" Stack
We offer a complete "EMI-in-a-Box" solution. It's an end-to-end platform engineered from the ground up to be adaptable to the stringent guidelines of financial regulators across the globe. We handle the core technology, so you can focus on your business and customers.
Our platform provides every component you need:
Core E-Money Ledger
An immutable, double-entry ledger for managing wallets, stored value, and transaction integrity.
Digital Onboarding & e-KYC
A configurable workflow for customer onboarding with seamless integrations to government identity databases and leading third-party KYC/IDV providers.
AML/CFT & Fraud Prevention
A real-time engine for transaction monitoring, global sanctions screening, and AI-powered anomaly detection.
Payment Gateway Integrations
Pre-built, certified connections to essential payment rails, adaptable to the specific switches and schemes in your target region.
Agent & Merchant Management
A comprehensive portal to manage your entire cash-in/cash-out (CICO) agent network and merchant ecosystem.
Consumer & Merchant Apps
White-label, intuitive mobile applications (iOS/Android) so you can go to market with your own brand.
Automated Regulatory Reporting
A flexible reporting module that can be configured to generate and submit required reports to your local financial authority.
How Your Digital Payment Ecosystem Will Work
Customers
Digital Onboarding
EMI Platform
Core Services
Payment Rails
Global Integration
Merchants & Agents
Ecosystem Partners
This diagram illustrates the key interactions between all parties on our platform, showcasing a globally relevant flow for core e-money services.
Technical Architecture: Security, Scalability & Compliance by Design
Our platform is built on a secure, multi-tenant, and layered architecture. We prioritize data security, residency, and complete auditability to ensure you pass regulatory scrutiny in any jurisdiction.
Core Technology Stack
| Component | Our Recommended Technology | Why It Matters for SBP Compliance |
|---|---|---|
| Infrastructure | Local Data Center or In-Country Cloud | Fulfills SBP's strict data residency and sovereignty requirements. |
| Core Platform | Java (Spring Boot) | Mature security frameworks and enterprise-grade robustness for finance. |
| Database | PostgreSQL / Oracle with TDE | Strong ACID compliance and encryption at rest for financial data. |
| Security | Hardware Security Module (HSM), WAF, DDoS Protection | Secures cryptographic keys and protects against external threats. |
| AML/Fraud Engine | Rules Engine (Drools) & Third-Party Screening | Enables real-time transaction monitoring and meets AML/CFT mandates. |
| Integrations | Secure REST APIs over mTLS | Ensures encrypted, authenticated communication with Raast & 1-Link. |
| Logging & Auditing | ELK Stack (Elasticsearch, Logstash, Kibana) | Provides an immutable, searchable audit trail of all system activities. |
Your Strategic Advantage
Accelerated Global Launch
Go to market in months, not years.
Drastically Reduced Risk
Launch with a platform architected for the rigorous technical and security demands of financial regulators.
Cost Efficiency
Convert a massive CapEx project into a predictable OpEx model.
Future-Proof Platform
We continuously update the stack to adapt to new technologies and evolving regulatory requirements across the globe.
Ready to Launch Your FinTech?
Don't let technology be the bottleneck in your vision. Build your E-Money Institution on a foundation of compliance and trust, anywhere in the world.