Remittance software from Finoserv gives a money transfer business its own sending app, payout connections and back office, built to the rules of the licensed partners who move the money. We design, build, integrate and run the technology. The money transmission itself, including settlement, sanctions decisions and reporting to regulators, is carried out by a licensed partner, or by you if you hold the licence.
Money transfer software on licensed corridors
Each corridor has two ends. On the sending side, a licensed money transmitter, EMI or bank collects funds and screens the customer. On the receiving side, a payout partner delivers to a bank account, a mobile wallet or a cash pickup point. We integrate both ends into one product, so your customer sees a single quote, a single status and a single receipt. Corridors are added one at a time, each with its own partner review, limits and testing.
FX platform and settlement options
Rates come from your licensed partner or a liquidity provider they approve. We build the quoting engine around them: rate refresh, margin rules, quote expiry and an audit trail that shows which rate each customer received. For settlement, we connect to correspondent banking over Swift and, where your partners support it and local rules permit, to blockchain settlement networks for prefunding. The choice of rail is a commercial and regulatory decision for you and your partners; the technology supports whichever one you choose.
White label remittance platform or full build
Some clients start on our pre-built remittance module, branded and configured for their corridors. Others need a full custom build because their customers, corridors or partners are unusual. Both paths share the same integration layer, so a white label remittance platform can grow into a custom product without a rewrite. Our launch accelerators page covers the pre-built route.
Cross-border payments solution for businesses
For business senders, we add a multi-currency account platform, bulk payouts, import export payments with document upload, and invoice discounting workflows that connect to a licensed lender. Finance teams get reconciliation exports that match partner statements line by line. Larger trade flows, such as letters of credit, are covered by our trade finance platform.
Getting started
A Discover phase of two to four weeks maps your corridors, partners and compliance requirements and ends in a fixed quote. Build runs in two-week cycles, each with a working demo. If you plan to hold your own money transmitter or EMI licence, our licensing advisory works with partner law firms on the application.