External Integration

External Integration — Third-Party API Connectivity

External Integration is the connectivity layer that links the Smartex Money platform to external financial systems, payment networks, KYC providers, credit bureaus, government registries, and blockchain networks. Powered by Flow Modeler's REST and SOAP adapter framework, adding a new integration takes hours, not weeks.

Financial institutions no longer need to build custom integrations for every external system. Smartex Money provides pre-built connectors for the most common integrations and a framework for building new ones — all managed through a visual interface with no coding required.

Pre-Built Connectors

SWIFT

Full SWIFT messaging support — MT103, MT202, MT940, MT942. Automated message generation, parsing, and reconciliation. SWIFT Alliance integration for direct connectivity.

SEPA

SEPA Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst). Pain.001 XML generation, pain.002 status reports, and camt.053 statements.

Card Networks

Visa, Mastercard, and UnionPay gateway integration. Authorization, clearing, settlement, and chargeback processing. PCI DSS compliant card data handling.

KYC Providers

Pre-built connectors for Jumio, Onfido, Sumsub, Veriff, and IdentityMind. Document verification, facial recognition, and liveness detection via API.

Credit Bureaus

Integration with Experian, Equifax, TransUnion, and local credit registries. Real-time credit score pulls and report generation.

Blockchain Networks

Bitcoin, Ethereum, and stablecoin (USDT, USDC) blockchain integration. Wallet management, transaction monitoring, and on-chain verification.

Government Registries

Company registry lookups, tax ID verification, and beneficial ownership checks. Pre-built connectors for 30+ jurisdictions.

FX Providers

Real-time FX rate feeds from Reuters, Bloomberg, and ECB. Automated rate loading into ABS Core with spread configuration and historical rate storage.

SMS & Push

SMS gateway integration (Twilio, MessageBird, local providers). Push notifications via Firebase Cloud Messaging and Apple Push Notification Service.

Integration Framework

REST Adapters

Visual REST API configuration — define endpoints, authentication, headers, and data mappings without code. Automatic retry logic, rate limiting, and circuit breaker patterns built in.

SOAP Adapters

WSDL-first SOAP integration. Automatic XML-to-JSON transformation. Support for WS-Security, digital signatures, and certificate-based authentication.

Custom Connectors

Build custom connectors for proprietary systems using the SDK. Java and Python connector templates included. Hot-deploy without platform restart.

Security

OAuth 2.0, API keys, mTLS, and IP whitelisting for outbound connections. All credentials stored in Cryptex DB encrypted vault. Audit trail of every API call.

Data Transformation

Visual data mapping between internal and external formats. JSON, XML, CSV, ISO-8583, and custom flat file transformations. No-code field mapping with conditional logic.

Monitoring

Real-time dashboard of all integration endpoints. Latency, success rate, error tracking, and alerting. Historical performance trends and anomaly detection.

Integration Patterns

Synchronous

Real-time API calls for immediate responses — card authorization, KYC verification, credit score lookup. Sub-second response times with timeout and fallback handling.

Asynchronous

Queue-based integration for non-time-sensitive operations — batch payments, statement import, bulk verification. Guaranteed delivery with retry and dead-letter queues.

Webhook

Inbound webhook listener for receiving callbacks from external systems — payment status updates, KYC results, compliance alerts. Signature verification for security.

Scheduled

Cron-based integration for periodic data sync — daily statement import, hourly rate updates, monthly credit bureau pulls. Configurable schedules with dependency management.

Ready to connect your FinTech platform?

External Integration eliminates the integration burden of connecting your banking platform to the outside world. Schedule a demo to see how pre-built connectors and the Flow Modeler framework can save months of development time.

Request a Demo