Platform Features — What Makes Smartex Money Different
The Smartex Money platform is not a single product — it is an integrated ecosystem of 10 core modules and 40+ supporting components, all sharing the same security model, data layer, and workflow engine. This integration-first approach eliminates the friction of stitching together best-of-breed point solutions from different vendors.
Every feature is designed for FinTech from the ground up — not retrofitted from a generic enterprise platform. Whether you are a digital bank, a payment service provider, a microfinance organization, or a crypto exchange, Smartex Money provides the exact features you need without the bloat you do not.
Core Platform Capabilities
Banking Core
Multi-currency accounts, internal and external transfers, bank statement reconciliation, exchange rate management, and full transaction processing — the central ledger for your FinTech.
Mobile Banking
Native Android and iOS apps, fully branded for your business. Biometric login, QR payments, push notifications, and spending analytics — published under your developer account.
Compliance Engine
Continuous transaction monitoring, sanctions screening, PEP detection, SAR generation, and regulator-ready audit trails. FATF, EU AMLD, and local AML framework compliance.
Workflow Engine
Visual no-code workflow builder. Design approval chains, KYC flows, payment routing, and notification policies through drag-and-drop. 50+ pre-built nodes, no coding required.
Encrypted Data Layer
Field-level encryption with virtual HSM. AES-256-GCM encryption for sensitive data. FIPS 140-2 Level 3 compliant key management. PCI DSS, GDPR, and SOX compliance.
AI & ML Engine
Fraud detection, credit scoring, anomaly detection, and behavioral analytics. Custom model training, sub-100ms scoring latency, and real-time decision automation.
Customer Onboarding
Full KYC journey from lead to activated customer. Document verification, identity validation, sanctions screening, risk scoring, and automated approval chains.
Loan Management
Complete loan lifecycle — origination, scoring, disbursement, repayment scheduling, collections, and NPL handling. Support for 6+ loan product types.
Advertising Platform
Monetize your banking platform with targeted advertising. Multi-channel delivery, performance analytics, and self-service advertiser portal. CPM, CPC, and CPA models.
Platform Architecture
Modular Design
Each module is production-ready on its own. Deploy what you need today, add more as you grow. Modules share the same security model, data layer, and workflow engine for seamless integration.
Horizontal Scaling
Stateless application tier scales horizontally. Database clustering with MariaDB Galera. Read replicas for reporting workloads. Auto-scaling on Kubernetes or cloud-managed groups.
API-First
Every function available via REST and SOAP APIs. OpenAPI/Swagger documentation auto-generated. Webhooks for event-driven integration. SDK for Java and Python.
Multi-Tenant
True multi-tenant architecture for SaaS deployments. Per-tenant data isolation, encryption keys, and branding. Shared infrastructure with cryptographic separation.
Multi-Language
20+ languages including English, Russian, Spanish, Arabic, Chinese, and French. RTL layout support. Per-user language preference. Admin interface and customer-facing.
Cloud-Ready
Deploy on AWS, Azure, GCP, private cloud, or bare metal. Infrastructure as code with Terraform and Ansible. Docker containers with Helm charts for Kubernetes.
Security Features
Smartex SSO
Centralized authentication with SAML 2.0, OAuth 2.0, and OpenID Connect. Integration with Active Directory, LDAP, and cloud IAM. MFA enforcement and session management.
Key Management
Three-tier key hierarchy — master keys, data encryption keys, and key encryption keys. Virtual HSM with FIPS 140-2 Level 3. Automatic rotation and version control.
Audit Trail
Complete audit trail of every action — who, what, when, and from where. Tamper-proof logging with cryptographic chain validation. Exportable for regulatory audits.
WAF & DDoS
Web Application Firewall with OWASP CRS rules. DDoS protection, rate limiting, and bot detection. Certificate pinning and SSL/TLS hardening.
Integration & Connectivity
Payment Networks
SWIFT, SEPA, Visa, Mastercard, and UnionPay. Pre-built connectors with automatic message generation, parsing, and reconciliation.
KYC Providers
Jumio, Onfido, Sumsub, Veriff, and IdentityMind. Document verification and biometric identity checks via API.
Blockchain
Bitcoin, Ethereum, and stablecoin (USDT, USDC) integration. Wallet management and on-chain verification.
Ready to explore the full platform?
Smartex Money gives you every tool needed to run a modern FinTech — from core banking to AI-driven decisioning. Schedule a personalized demo to see the features that matter to your business.
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