A Modular Fintech Platform for Regulated Environments
Fintech23 is a modular fintech platform designed to support the delivery of digital wallets, banking experiences, cross-border payments, and compliance-driven workflows.
It is built for regulated, real-world operations — where security, auditability, integration, and operational control matter more than speed claims or marketing promises. Fintech23 can be adopted incrementally or used as a broader platform foundation, depending on business goals, regulatory scope, and existing systems.
What the Platform Is — and What It Is Not
What Fintech23 is
- A set of reusable platform modules designed for financial use cases
- API-first and integration-oriented, not a closed ecosystem
- Built to support regulated workflows, approvals, and audit requirements
- Designed to coexist with existing core banking, ledger, and provider systems
What Fintech23 is not
- Not a "one-click fintech" or instant launch promise
- Not a replacement for licensing, regulatory approval, or operations
- Not a rigid, all-or-nothing product
- Not a substitute for third-party providers (KYC, AML, payment rails, etc.)
This distinction is intentional and helps set realistic expectations.
How the Platform Fits Together
At a high level, Fintech23 sits between digital channels and the financial ecosystem.
Digital Channels
Web, mobile, partner systems interact with Fintech23 APIs
Fintech23 Platform
Manages workflows, state, controls, and orchestration
Core Systems & Third-Party Providers
Handle regulated execution (ledger, payments, KYC, AML, messaging)
This separation helps reduce coupling, improve maintainability, and support phased delivery.
Core Platform Modules
Fintech23 is composed of modular capabilities that can be used independently or together.
Digital Channels & Access
- • Channel entry points and access patterns
- • Session and authentication integration
- • Channel-specific policy enforcement
Supports web, mobile, and partner-driven access models.
Customer, Identity & KYC
- • Customer profile and identity attributes
- • KYC state and verification lifecycle tracking
- • Consent and document metadata management
Designed to integrate with external KYC and identity providers.
Accounts, Wallets & Balances
- • Wallet and account constructs
- • Balance views and transaction state handling
- • Limits, holds, and configurable rules (scope-dependent)
Ledger implementation depends on the chosen core or accounting model.
Payments & Money Movement
- • Transfers, collections, and payout orchestration
- • Provider integration and webhook/event handling
- • Status tracking and exception handling
Execution is typically performed by licensed providers or banking systems.
Ledger, Fees & Reconciliation
- • Fee calculation and configurable charges
- • Posting strategies aligned with ledger design
- • Reconciliation workflows and reporting outputs
Supports both platform-managed and external ledger models.
Risk, Controls & Approvals
- • Role-based access control (RBAC)
- • Maker-checker and approval workflows
- • Policy-driven exceptions and overrides
Designed to align with institutional governance requirements.
Notifications & Communications
- • Email, SMS, and push notification triggers
- • Event-driven messaging (status changes, approvals, failures)
- • Delivery tracking and retry handling
Messaging providers are integrated per deployment.
Admin & Operations Console
- • Operational review and decision workflows
- • Monitoring views for transactions and exceptions
- • Configuration management with role-based access
Focused on operational clarity and controlled intervention.
Integration-First by Design
Fintech23 is designed to integrate with existing systems rather than replace them.
Typical integrations include:
- Core banking or wallet ledger systems
- KYC / AML and screening providers
- Payment gateways and remittance rails
- Messaging services (SMS, email, push)
- Enterprise monitoring and logging tools
Integration scope and responsibility are defined during discovery to avoid ambiguity.
Security, Controls, and Audit Readiness
Security and compliance are addressed at the platform level through:
- Structured access control and approvals
- Audit logs and traceability of critical actions
- Environment separation and operational controls
- Monitoring and incident response hooks
Delivery Approach
Platform adoption typically follows a phased approach:
Discovery & alignment
Interfaces, providers, regulatory scope, and workflows are defined.
Module implementation & integration
Priority modules are implemented and integrated in non-production environments.
Go-live readiness
Security hardening, monitoring, operational processes, and handover.
Timelines vary based on regulatory readiness, integration complexity, and operational dependencies.
What Influences Scope and Timeline
Delivery timelines and scope are influenced by:
- Licensing and regulatory approvals
- Provider onboarding and credentials
- Core system API readiness
- Data migration and historical data needs
- Internal operational policies and controls
These factors are surfaced early to reduce risk and rework.
Designed for Long-Term Use
Fintech23 is built to support:
- Phased rollouts
- Controlled expansion into new products or markets
- Ongoing regulatory and operational changes
The platform favors maintainability and clarity over short-term acceleration.
Want to Review the Platform in Context?
Every fintech use case is different.
We're happy to walk through how Fintech23 aligns with your specific market, regulatory environment, and operating model.