Platform Overview
Smartex Money White-Label Platform Overview
The Smartex Money White-Label Platform is a comprehensive FinTech infrastructure that enables you to launch a fully branded digital banking, payments, and financial services operation without building from scratch. Deploy as a SaaS solution for rapid market entry or as an on-premise installation for maximum control — either way, you get 50+ modules covering core banking, payments, compliance, cards, lending, and AI-powered analytics.
Designed for banks, EMIs, payment service providers, neobanks, and FinTech startups, Smartex Money provides everything you need to operate a modern financial institution. From customer onboarding and KYC to multi-currency account management, payment processing, card issuing, lending, and regulatory reporting — every component is built to work together seamlessly under your brand.
Platform Architecture
Multi-Tenant Core
The platform is built on a multi-tenant architecture from the ground up. Each white-label client gets isolated data, dedicated configurations, and independent branding — all running on shared infrastructure for cost efficiency. Tenant isolation is enforced at the database, application, and network levels.
Modular Design
50+ modules that can be enabled or disabled per deployment. Start with core banking and payments, then add cards, lending, compliance, or AI modules as your business grows. Each module integrates seamlessly through a shared service bus.
API-First
Every platform function is exposed through REST APIs with OpenAPI 3.0 documentation. Webhooks for event-driven integrations. SDK for Java, Python, and PHP. Full API sandbox for testing and certification with third parties.
Enterprise Stack
Built on Java EE for the backend, Vue.js for frontend, PostgreSQL and MariaDB for data storage, Redis for caching, and RabbitMQ for messaging. Deployable on bare metal, virtual machines, or containerized with Docker and Kubernetes.
Multi-Region
Deploy across multiple regions for low-latency operations. Active-active and active-passive configurations. Geographic data residency for compliance with local data protection laws. Cross-region replication and disaster recovery.
Full White-Label
Every customer-facing surface — web portal, mobile app, email templates, PDF statements, and admin panel — can be branded with your logo, colors, domain, and messaging. Multi-language support with RTL and LTR layouts. Full CSS customization.
What You Get
Online Banking
Full-featured online banking platform — multi-currency accounts, transfers, statements, beneficiary management, and transaction history. Customer self-service portal and admin operations panel. Role-based access control with granular permissions.
Mobile App
Native iOS and Android mobile banking app — branded with your logo and published in your app store account. Biometric authentication, push notifications, QR payments, and transaction signing. Full white-label customization.
Compliance Suite
AML/KYC onboarding, sanctions screening, PEP detection, transaction monitoring, and regulatory reporting. Compliance Guard module with real-time risk scoring and automated alert generation. Audit-ready compliance trails.
Reporting & Analytics
Report Server with 200+ pre-built report templates, custom report builder, scheduled report delivery, and regulatory filing support. Business intelligence dashboards with real-time KPIs and operational metrics.
Integration Layer
Pre-built integrations with SWIFT, SEPA, Visa, Mastercard, and major payment providers. External Integration module for connecting third-party services. Standardized API gateway for partner integrations.
Admin & Operations
Comprehensive admin panel for managing customers, accounts, transactions, fees, limits, and configurations. Flow Modeler for visual business process design. User management with role-based access control and audit logs.
Deployment Models
SaaS — Quick Start
Launch your FinTech operation in weeks, not months. We host and manage the platform — you focus on your business. Includes infrastructure, security updates, backups, and monitoring. Pay-as-you-grow pricing with no upfront infrastructure costs. Ideal for startups and new market entrants.
On-Premise — Full Control
Deploy on your own servers or private cloud. Full source code access with Life Time License. Complete data sovereignty and infrastructure control. Air-gapped deployment supported. Ideal for established institutions and government projects.
Why Choose Smartex Money?
Time to Market
SaaS deployment in 2-4 weeks. On-premise in 8-12 weeks. No need to build from scratch — 50+ modules ready out of the box. Focus on your business, not on building infrastructure.
Scalability
From 1,000 to 10 million customers. Horizontal and vertical scaling. Microservices architecture allows independent scaling of individual modules. Proven at high-volume production deployments.
Security
PCI DSS, ISO 27001, and GDPR compliant. AES-256 encryption, HSM-backed key management, and multi-factor authentication. Regular security audits and penetration testing.
Ready to launch your FinTech?
Smartex Money gives you the technology, compliance, and support to launch and scale your financial services operation. Schedule a demo to see the platform in action.
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