From sovereign treasury systems to last-mile microfinance — we bring deep domain expertise and production-grade payments technology to the institutions that matter most.
Sector — Government
Central banks, ministries, and public agencies demand payment platforms that are resilient, transparent, and auditable — managing everything from RTGS operations to citizen-facing benefit disbursements at national scale.
Challenges & Solutions
Government payment systems must maintain immutable records, real-time audit capabilities, and comply with public financial management regulations across jurisdictions.
ChallengeOur platform provides tamper-proof transaction logs, regulator-ready reporting dashboards, and automated compliance checks aligned to government accounting standards.
Our SolutionCentral bank RTGS systems carry the entire economy — downtime is not an option. Multi-million transaction days require sub-second determinism and guaranteed finality.
ChallengeActive-active cluster deployments with zero-RPO failover, ISO 20022-native messaging, and proven experience integrating with central bank RTGS systems in multiple markets.
Our SolutionWelfare, pension, and subsidy payments to millions of citizens require last-mile delivery across diverse channels including mobile money, bank accounts, and agent networks.
ChallengeBulk payment orchestration with channel-intelligent routing — bank transfer, mobile wallet, agency banking, or cash — with real-time status tracking per beneficiary.
Our SolutionOur Capabilities
ISO 20022 compliant RTGS integration, real-time liquidity monitoring, and intraday settlement finality for central bank and Treasury operations.
Social protection payment rails supporting pensions, subsidies, welfare and emergency disbursements at national scale with beneficiary verification.
Cross-agency payment hubs enabling seamless fund flows between ministries, state entities, and commercial banks on a unified clearing backbone.
Treasury management dashboards, real-time cash position reporting, and automated regulatory submissions for government financial oversight.
Integrated screening against OFAC, UN, and domestic sanctions lists with automated case management and SAR filing support.
Self-service payment interfaces for tax collection, customs duties and licensing fees with reconciliation back to government accounting systems.
Technology & Standards
Every standard, format, and integration pattern our team has delivered in sovereign environments.
Ready to transform public payments?
We understand sovereign requirements, procurement processes, and regulatory environments — let's build the right solution for your institution.
Sector — Banks
From retail clearing to correspondent banking, we bring hands-on experience integrating, upgrading, and modernising payment capabilities across the world's leading core banking platforms — without disrupting live operations.
Challenges & Solutions
Banks running ageing Finacle 7.x, EQ3, or proprietary ISO 8583 cores face immense risk in migration — downtime, data loss, and customer disruption are existential concerns.
ChallengeWe have migrated banks across Finacle 7.x to 10X, EQ3 to Flexcube, and proprietary cores to T24 — using phased, parallel-run methodologies that eliminate service interruption risk.
Our SolutionSWIFT's global ISO 20022 migration and domestic real-time schemes demand simultaneous support for MT and MX formats, data truncation handling, and extensive testing cycles.
ChallengeOur ISO 20022 translation layer supports MT↔MX coexistence, rich data preservation, and scheme-specific validation — proven in US RTP, UK SEPA, and India RTGS environments.
Our SolutionConnecting to FPS, RTP, IMPS, and SEPA Instant while keeping existing batch ACH/NACH infrastructure running requires careful orchestration and intelligent payment routing.
ChallengeA single orchestration layer that routes, translates, and monitors across real-time and batch rails — giving banks a unified view of all payment flows and scheme obligations.
Our SolutionOur Capabilities
Deep API and message-level integration with Finacle 7.x/10X, Flexcube, T24, EQ3, and proprietary ISO 8583-based systems including loan and card systems.
Full scheme participation across RTGS, FPS (UK), US RTP, IMPS (India), SEPA Instant, and UAE direct debit — with 24/7 monitoring and exception handling.
NACHA, NACH, NEFT, CTS, and Direct Debit processing with automated file generation, validation, reconciliation, and return handling.
Channel integration across internet banking, corporate portals, mobile apps, and API banking — with signature verification, authorisation workflows, and entitlement management.
Real-time transaction screening, rule-based and ML-powered anomaly detection, and full case management lifecycle from alert to SAR.
Multi-currency, multi-scheme automated reconciliation with nostro position management, break identification, and straight-through resolution rates above 95%.
Technology & Standards
Modernise your payments stack
We've been inside the core systems you operate. Let's build a modernisation roadmap that is realistic, risk-managed, and outcome-focused.
Sector — Microfinance
Microfinance institutions and community lenders must collect repayments, disburse loans, and manage agent networks across underserved populations — often with limited connectivity, diverse channels, and stringent regulatory requirements.
Challenges & Solutions
MFIs and community lenders must collect repayments from rural borrowers who may lack bank accounts — relying on agents, mobile money, and informal channels with inconsistent connectivity.
ChallengeField agent apps with offline capability, automatic NACH mandate creation, mobile wallet collection, and same-day reconciliation — bringing digital discipline to last-mile collections.
Our SolutionDisbursing loans to thousands of borrowers daily — many without traditional bank accounts — across fragmented channels and geographies creates delays, errors, and reconciliation gaps that erode borrower trust.
ChallengeAutomated loan disbursement to bank accounts, mobile wallets, and agent cash-out points via IMPS, UPI, and mobile money rails — with same-day confirmation and automatic loan account activation in your LMS.
Our SolutionMatching millions of repayment transactions — collected across NACH, mobile wallets, agents, and cash — back to individual borrower accounts is time-consuming, error-prone, and delays NPA identification.
ChallengeReal-time matching of inbound repayments to borrower loan accounts across all collection channels — with overdue detection, automated demand notice triggers, and NPA flagging integrated directly to your loan management system.
Our SolutionOur Capabilities
Automated repayment collection via NACH mandates, mobile wallets, and agent banking — with offline reconciliation and portfolio-level reporting for field officers.
Agent management platform with device onboarding, transaction limits, commission calculation, and real-time settlement to agent wallets or bank accounts.
Instant loan disbursement to borrower bank accounts or mobile wallets via IMPS, UPI, or mobile money rails — with same-day confirmation and automatic loan account activation.
Loan book reconciliation linking repayment transactions to borrower accounts — with overdue detection, demand notice triggers, and NPA flagging integrated to your loan management system.
White-label wallet infrastructure for MFIs and insurers — enabling digital savings, loan disbursement, and premium payment in a single app experience.
Loan book reconciliation, premium ledger balancing, and claims reserve reporting — linking transaction-level data to portfolio and actuarial systems.
Technology & Standards
Serve more people, more efficiently
We understand the reality of last-mile delivery. Let us show you how the right payments infrastructure can expand your reach while reducing your operational cost.
Sector — Insurance & Healthcare
Insurers and healthcare organisations must manage high-frequency premium collections, instant claims disbursements, and complex provider payment settlements — all under tight regulatory scrutiny and with zero tolerance for error.
Challenges & Solutions
Insurers managing thousands of policyholders need automated premium debit, instant claims settlement, and provider payment — with audit trails that satisfy strict regulatory scrutiny.
ChallengeNACH-based recurring premium collection, real-time claims disbursement to beneficiaries, and provider payment settlement — all reconciled automatically across payment schemes.
Our SolutionPaying hospitals, clinics, and specialist providers across a cashless network requires accurate fee-schedule application, claim adjudication linkage, and timely settlement to maintain network loyalty.
ChallengeDirect provider payment settlement linked to adjudicated claims, with automated deduction of co-pays, network fee schedules, and real-time payment confirmation back to the hospital system.
Our SolutionInsurance payment operations face heavy compliance obligations — reserve reporting, reinsurance accounting, and policyholder disclosure requirements that vary across jurisdictions.
ChallengeAutomated regulatory submissions, premium ledger balancing, claims reserve reporting, and reinsurance settlement reconciliation — linking transaction data to actuarial and compliance systems.
Our SolutionOur Capabilities
Recurring premium debit via NACH, SEPA Direct Debit, and card mandates — with automatic renewal, lapse management, and failed payment retry workflows.
Real-time claims payment to policyholders via IMPS, FPS, or RTP — with full linkage to claim reference, policy number, and adjudication outcome for audit purposes.
Cashless claim processing, direct provider payment settlement, and patient-facing payment portals integrated with hospital management and insurance backend systems.
Automated reinsurance premium cession, treaty settlement, and recoveries processing — connected to your actuarial and finance systems with full reconciliation.
Policyholder-facing digital wallet for premium payment, claim tracking, and instant payout receipt — reducing call centre load and improving customer satisfaction scores.
Automated matching of premium receipts and claims payments to policy ledgers — with exception queues, aged balance reporting, and straight-through reconciliation above 95%.
Technology & Standards
Modernise your insurance payments
From premium collection to instant claims payout and provider settlement — we understand the full insurance payment lifecycle. Let's build the right solution for your organisation.
Sector — FMCG
Fast-moving consumer goods businesses operate at extraordinary transaction velocity — paying thousands of suppliers, collecting from distributors, and managing trade finance across complex multi-tier supply chains, all while cash flow remains king.
Challenges & Solutions
FMCG giants pay tens of thousands of raw material and packaging suppliers across multiple payment runs per day — manual processing creates bottlenecks, errors, and cash flow risk.
ChallengeStraight-through processing of supplier payment files from ERP (SAP, Oracle), automated approval workflows, bulk ACH/NACH submission, and same-day reconciliation against the payables ledger.
Our SolutionCollecting from hundreds of distributors on varying credit terms, across geographies and currencies, with reconciliation back to SAP or Oracle creates significant operational overhead.
ChallengeDirect debit mandates, real-time payment notifications, and automated matching of inbound collections to distributor accounts — reducing Days Sales Outstanding and credit risk.
Our SolutionRegional FMCG treasury teams juggle local payment rail requirements, FX exposure, intercompany settlements, and local regulatory reporting across 10-30 markets simultaneously.
ChallengeA single payment factory connecting local banking partners across markets — standardising instruction formats, centralising FX conversion, and providing a unified payment status view to treasury.
Our SolutionOur Capabilities
Native connectors for SAP FI, Oracle Financials, and Microsoft Dynamics — extracting payment files, submitting to banks, and returning status confirmations automatically.
Multi-bank, multi-currency bulk payment processing via ACH, NACHA, NACH, BACS — with dual authorisation, cut-off management, and same-day settlement reporting.
NACH and SEPA Direct Debit mandate management, automated debit scheduling against credit terms, unpaid transaction management, and collections performance dashboards.
Intercompany netting, in-house banking, FX deal booking integration, and cross-border payment corridors for regional treasury centralisation.
Letter of credit lifecycle management, documentary collection, and supplier finance programme payments — connecting trade desk to banking partners seamlessly.
Automated matching of bank statements to ERP payables and receivables — with exception queues, ageing analysis, and straight-through reconciliation rates exceeding 96%.
Technology & Standards
Accelerate your supply chain
From SAP integration to multi-bank payment factories — we know FMCG treasury operations inside out. Let's streamline yours.
Sector — Corporates
Large corporates and multinationals manage payment flows across dozens of banking relationships, currencies, and jurisdictions — demanding centralised visibility, straight-through processing, and treasury-grade control over every outbound and inbound payment.
Challenges & Solutions
Large corporates manage 20–60 banking relationships across markets — each with different portals, file formats, authorisation processes, and reporting — creating inefficiency, risk, and poor cash visibility.
ChallengeA centralised corporate payment hub connecting all banking partners via SWIFT, ISO 20022, and local APIs — single authorisation workflow, unified reporting, and bank-agnostic connectivity at enterprise scale.
Our SolutionProcessing payroll for 10,000–100,000 employees across multiple countries, currencies, and regulatory regimes — ensuring timely, compliant credit, with full audit trail and exception resolution.
ChallengeAutomated payroll file processing from HRIS systems (SAP SuccessFactors, Workday), bank submission across NACHA, BACS, NACH, and SEPA rails, with same-day confirmation back to HR.
Our SolutionReal-time global cash position across multiple banks and currencies is elusive for most treasury teams — manual consolidation from multiple portals introduces hours of delay and reconciliation risk.
ChallengeIntraday balance reporting via SWIFT MT940/942 and bank APIs, consolidated into a real-time cash position view — with FX exposure, intercompany positions, and liquidity forecasting in a single pane.
Our SolutionOur Capabilities
Multi-level authorisation, role-based entitlements, bulk payment templates, and full payment lifecycle management via a secure corporate banking portal we have built and integrated for banks.
Payroll file ingestion from HRIS, multi-bank submission, regulatory compliance checking, and real-time status reporting — supporting millions of employee payments per cycle.
Multi-currency payment execution via SWIFT, correspondent banking networks, and real-time corridors — with FX rate management, hedging support, and settlement confirmation.
Invoice-to-pay workflow automation, ERP payment file extraction, bank submission, and reconciliation — reducing AP cycle time and eliminating manual payment processing.
Direct debit, standing order, and real-time payment collection — with automated matching against the AR ledger, aged debt reporting, and dunning integration.
Regulatory payment reporting, SWIFT MT940/942 statement processing, intercompany netting, and in-house banking — giving treasury full control over global cash flows.
Technology & Standards
Transform your treasury operations
Whether you are centralising a payment factory, automating payroll, or connecting 40 banking partners — we have done it before. Let's build your roadmap.