Financial software infrastructure that operates behind your brand

banxtack is the operating layer for modern financial products. We power accounts, payments, digital asset–fiat flows, cards, compliance, and treasury—quietly, securely, and at scale.

banxtack is not a wallet. Not a bank. Not a single-purpose API. It is a composable financial system that sits behind your product and runs the core of your financial operations under your brand, identity, and licensing.

Who Builds on banxtack

Engineered for the architects of modern finance. If your product stores value, moves money, or converts assets, banxtack is your foundation.

Global Payments & FX

Create high-velocity payment hubs, cross-border remittance tools, and automated FX conversion engines.

Embedded Finance

Seamlessly integrate financial services into non-financial platforms, from marketplaces to SaaS ecosystems.

Enterprise Treasury

Orchestrate complex corporate flows, multi-entity liquidity management, and real-time reconciliation.

Digital Finance & Neobanks

Launch full-scale retail or business banking apps with multi-currency IBANs and native card programs.

Digital Asset & Web3 Services

Build secure on/off-ramps, OTC desks, and hybrid finance platforms with integrated custody.

The Infrastructure Pillars

Accounts & Value Storage

Multi-Asset Ledgers

Create high-velocity payment hubs, cross-border remittance tools, and automated FX conversion engines.

Virtual IBANs

Closed-loop and open-loop wallets with dedicated banking identifiers.

Atomic Reconciliation

Real-time ledger tracking for 100% balance accuracy across all currencies.

Payment Cards & Issuance

Native Ledger Connectivity

Cards are hard-wired to multi-currency accounts for instant authorization against real-time balances.

Custom Spending Logic

Define complex authorization rules, merchant category blocking, and dynamic spending limits.

Card Lifecycle Management

Full-stack software to handle digital and physical issuance, freezing/unfreezing, and secure PIN management.

Scheme Integration

A direct software bridge to Visa, Mastercard, and global card networks.

Payments & Money Movement

Global Rails

Instant A2A, P2P, SEPA Instant, Faster Payments, and SWIFT.

Automated Workflows

Bulk payouts, scheduled transfers, and Variable Recurring Payments (VRPs).

Settlement Engine

Automated settlement and merchant acquiring logic for complex payment flows.

Digital Asset & Hybrid Finance

Bi-Directional Flows

High-speed digital asset-to-fiat and fiat-to-digital asset conversion.

Secure Custody Bridge

Direct integration with institutional-grade custody providers.

Compliance-First Routing

Automated transaction monitoring built into every asset movement.

The Experience Layer:
Client-Facing Interaction

Don't build the interface from scratch. Launch with a world-class experience. banxtack provides the secure, white-label components required to put financial power into your users' hands immediately.

Self-Service User Portals

Fully branded, plug-and-play modules where your users can Send & Receive payments, view Real-Time Transaction History, and manage their Personal Security settings.

The Conversion Hub

A dedicated interface for users to perform instant Multi-Currency & Asset Conversions at the rates you define.

Cardholder Dashboard

Native tools for users to activate cards, view digital credentials, and manage spending—linked directly to their account balances.

Identity Orchestration

Seamless end-user onboarding flows with integrated KYC/KYB checkpoints to get users active faster.

The Back-Office: Operational Command Center

The Workspace for Regulated Finance. banxtack provides a production-grade administrative environment where technology meets professional expertise. This is the command center for your Compliance, Risk, and FinOps teams.

The AML & Compliance Engine

A complete suite of technology and expertise to satisfy the most stringent regulatory requirements.

Onboarding (KYC/KYB) Control

Streamlined identity and business verification. Our specialists manage the complexity of UBO mapping and manual corporate reviews so you don't have to.

Transaction & Payment Screening

Real-time, continuous monitoring across fiat and digital flows. We protect your financial movements against sanctions, PEPs, and adverse media without the "alert fatigue."

Dynamic Risk Scoring

Real-time ledger Customer profiles that evolve automatically based on behavior, data shifts, and human oversight. for 100% balance accuracy across all currencies.

Investigations & Reporting

Structured case workflows with clear audit trails and regulator-ready reporting templates.

Client Operations & CRM

Manage your user base with surgical precision.

Unified Client Profiles

A 360-degree view of every user, account, card, and transaction.

Operational Control

Manually override security triggers, manage communication logs, and handle support escalations from a single interface.

Lifecycle Management

Seamlessly manage the journey from registration and approval to account offboarding.

Business Configuration & Treasury

Complete control over your product's financial logic.

Pricing & Fee Engine

Set custom fees, define FX margins, and establish tiered pricing structures for different client segments.

Asset Creation

Deploy new currencies, tokenized assets, or internal ledger units instantly.

Treasury Oversight

Global liquidity visibility across all provider accounts, with real-time reconciliation against your internal ledger.

Global Presence & Ecosystem

Don't build the interface from scratch. Launch with a world-class experience. banxtack provides the secure, white-label components required to put financial power into your users' hands immediately.

Banking & Liquidity

Identity & Risk

Cards & Schemes

Custody & Security

Global Rails

Let’s talk solutions

From pricing plans to custom integrations—tell us what you need and we’ll handle the rest.

Get in touch