Platform Overview

Integrated Finance Platform, explained.

The Integrated Finance (IF) Platform is a orchestration layer built on top of multiple financial infrastructures and products (banks, fintechs, regtechs etc.) to programatically access boilerplate workflow and integration workloads by:

  • Providing automated, customisable, regulatory compliant financial workflows .
  • Exposes these workflows via IF API.
  • Connects these workflows to your banks, financial institutions, and the supporting products.

The platform is structured in layers & modules:

<<integrated-finance-short>> Platform Structure<<integrated-finance-short>> Platform Structure

IF Platform Structure


Each message processed by the platform moves through layers: messages arrive via the API, get processed in CORE and then get sent to service providers by CONNECT where applicable. Layers are built to let you have control over how messages are processed by the platform.

IF API: The Interface Layer is where your system(s) interact with the platform. By using the IF API you will be able to:

  • Integrate your existing system(s) to IF Platform
  • Build great experiences for your clients
  • Leverage the workflows of your choice (e.g. Issuing Accounts, Transfers, Onboarding, Pricing etc.)
  • Control how workflows work for your best interest
  • Connect to the financial infrastructures of your choice

IF CORE: The Workflow Layer is the layer where standard customizable workflows live in the platform. **IF CORE provides automated flows for the most crucial financial functionality. IF CORE will empower you:

  • To add new financial functions quickly to your core offering
  • To adopt to changing environment (regulations, customer needs etc.) with minimum effort
  • To get your financial, treasury and compliance operations right and automated by skipping the technical learning curve.

IF CONNECT: The Integration Layer is where IF Platform connects with the products/platforms of your choice. In order to provide financial functions, integration with banks, financial institutions etc and also to be automated and compliant with regulations, integrating with more products (CRMs, Screening Products, Monitoring Products etc.) is required. As your offering grows, more and more integrations will most likely to invade your backlog and distract you from your core offering. IF CONNECT will give you the ability:

  • To orchestrate (add/remove/switch) service providers on demand
  • To eliminate the initial cost of integrations to service providers
  • To eliminate the ongoing cost of maintaining integration to service providers
  • To focus on your core offering instead of maintaining an internal integration hub


Integrated Finance consist of different sets of functionality to address different areas of financial solutions. Each set of related functionality is grouped under Modules to make it easier to manage specific areas of solutions. Some of example modules are, Incoming/Outgoing Transfers, Account Issuing, Foreign Exchange. Detailed explanation of each modules' capability can be found in their designated documentation.

You will be able to compose your solution by choosing modules related to your offering.

Some modules are built on top of other modules therefore general modular dependency concept applies to the IF Platform modules as well.


All Integrated Finance resources you use & create such as configurations, data processed by modules etc. must belong to an instance. You can think of an instance as the organizing entity for solutions you're building.

An instance is made up of the settings, permissions, and other metadata that describe your solution also the data processed by one instance is not visible to other instances.

If you are offering different products therefore you need different solutions you can have multiple instances.


A workflow defines how a certain message is processed and they consist of multiple decision points and tasks to carry on. Currently IF Platform offers pre-built workflows with multiple possible paths for execution. You will be able to chose which path of execution you need for each API call, or you can select using the configuration of your instance.


All products IF Platform offers are called service providers such as banks, financial institutions, compliance products, accounting products etc.. Connect layer is responsible for managing how integrations should be used for your processing.