FAQ — Smartex Money Platform & Services
Frequently Asked Questions
Everything you need to know about the Smartex Money platform, deployment, pricing, security, and support — in one place.
Platform & Products
What is Smartex Money?
Smartex Money is a white-label FinTech platform with 50+ modules covering core banking, payments, lending, compliance, mobile banking, and AI-driven decisioning. It enables banks, EMIs, PSPs, lenders, and neobanks to launch branded digital financial services in weeks rather than years.
What modules are available?
The core platform includes 10 modules: ABS Core (banking engine), Mobile App (Android & iOS), Loan Farm (lending), Report Server (analytics), Flow Modeler (workflow builder), On-Board CRM (KYC/onboarding), Cryptex DB (encrypted storage), ADS Engine (AI decisions), Smartex SSO (identity), and Compliance Guard (AML monitoring).
How does the white-label model work?
You get the full platform branded with your company name, logo, colours, and domain. Your customers see only your brand — Smartex Money is completely invisible. You own the customer relationship, pricing, and go-to-market strategy. Mobile apps are published under your developer account on Google Play and the App Store.
Who is Smartex Money built for?
Banks, Electronic Money Institutions (EMIs), Payment Service Providers (PSPs), lenders, microfinance institutions, crypto exchanges, remittance operators, FX brokers, and neobanks. The platform scales from startups processing a few hundred transactions per day to established institutions handling millions.
Deployment & Pricing
How long does deployment take?
SaaS Quick Start: 2-4 weeks. We configure branding, core banking setup, and initial integrations. Custom Enterprise deployment: 2-6 months depending on scope, custom development, regulatory compliance work, and number of external integrations.
What pricing models are available?
Two primary models: SaaS — monthly subscription starting at $4,900/month, includes hosting, updates, and support. Life-Time License — one-time fee with source code access, on-premise deployment, and optional annual maintenance. Volume discounts apply for multi-instance deployments.
What deployment options exist?
SaaS shared cloud (most cost-effective), SaaS dedicated cloud (single-tenant), private cloud (AWS, Azure, GCP), on-premise (your data centre), and hybrid configurations. Life-Time License customers can deploy wherever they choose.
Can we customise the platform?
Yes. Branding, workflows, fee structures, compliance rules, integrations, mobile app design, and report templates are all customisable without source code changes. Life-Time License holders can modify the source code directly for deep customisation.
Security & Compliance
What security measures are in place?
Smartex Money follows defence-in-depth: encrypted database (Cryptex DB with virtual HSM), multi-factor authentication (Smartex SSO), role-based access control, TLS 1.3 transport encryption, OWASP-aligned application security, continuous vulnerability scanning, and tamper-evident audit logging across all modules.
Which compliance frameworks are supported?
PCI DSS (card data protection), GDPR (EU data privacy), SOX (financial controls), AMLD (EU anti-money-laundering), FATF recommendations, and local regulator requirements in 30+ jurisdictions. Our FinTech Licensing service assists with banking, EMI, PSP, and VASP licence applications.
Do you help with regulatory licensing?
Yes. Our FinTech Licensing Support service covers preparation of licensing documentation, liaison with regulators, compliance gap analysis, and ongoing regulatory reporting setup. We have supported licence applications in the EU, UK, CIS, Africa, and Latin America.
Is the mobile app available for customers?
Yes. The Smartex Money Mobile App is a native Android and iOS application published under your brand and developer account. Features include biometric login, money transfers, bill payments, QR payments, transaction history, push notifications, multi-currency wallets, and in-app KYC.
Integration & Support
What APIs are available?
Both SOAP and RESTful APIs expose every platform function: account management, transfers, payments, loans, KYC, reporting, and administration. API documentation, sandbox access, and integration examples are provided to all customers. Webhooks and event-driven callbacks are supported for real-time notifications.
What external systems can we integrate with?
Flow Modeler connects Smartex Money to SWIFT, SEPA, Visa/Mastercard gateways, national payment networks, KYC/AML providers (ComplyAdvantage, Sumsub, Veriff), credit bureaus, government registries, blockchain networks, and any system with a REST or SOAP API. Pre-built adapters cover the most common integrations.
What support is included?
SaaS plans include email and ticket support with 24-hour response SLA during business hours. Enterprise and Life-Time License customers get priority support with 4-hour response SLA, dedicated success manager, and quarterly platform reviews. All customers receive security updates and bug fixes. Major feature releases are included with SaaS and available optionally with Life-Time License maintenance.
How do we get started?
Three steps: 1) Request a demo via our website to see the platform in action. 2) Schedule a scoping call with our solutions architects to define your requirements. 3) Choose your deployment model (SaaS or Life-Time License) and sign the agreement. We handle the rest — from branding to go-live.
Still have questions?
Our team is ready to help. Book a personalised demo or contact us directly.
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