Fintory is a modular fintech factory platform that lets you launch and scale digital wallets, digital banks, credit cards, FX, and loyalty programs with a built-in rules engine and KYC/AML compliance.

Can I choose only the modules I need?

Yes. Each Fintory module deploys independently and is fully configurable — pick the modules that fit your business and pay only for what you use.

Does Fintory include compliance features?

Yes. KYC, AML, regulatory reporting, full audit trail and automatic documentation are built in and production-ready from day one.

Can I configure rules without coding?

Yes. Fees, limits, compliance triggers and approval flows are configured visually from a no-code rules engine — no developers needed.

What is AI Adaptive Risk & Credit Intelligence?

It is a Fintory module that fuses behavioral signals with transactional credit rules for adaptive risk scoring — enabling dynamic credit limits, real-time exposure control and self-learning approval flows. For example, a low transactional credit score combined with behavioral anomalies such as a new device or unusual location can automatically lower the credit limit, trigger step-up KYC and increase the risk score.

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Compliance Rules

Dynamic compliance rules with categorized triggers and color-coded actions.

Name	Trigger / Condition	Actions	Customer Scope
Online verified (Full KYC)	Online verified (Full KYC) Full KYC	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Referral sender	Referral sender Referral action initiated	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Referral receiver	Referral receiver state Referral receiver state	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Exceeds Single Transfer Limit	Custom Rule Single Transfer Amount Greater than 5000	send money: Blocked unless overridereceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Compliance block (Accumulated >50K without KYC)	Compliance block (Accumulated transfers) Blocks when accumulated transfers exceed threshold without KYC Min amount 50000	send money: Blockedreceive money: Blockeddeposit: Blockedwithdraw: Blocked	All Customers
Withdraw > 50K (New User)	Custom Rule withdrawAmount Greater than 50000	send money: Requires Online Verificationreceive money: Alloweddeposit: Allowedwithdraw: Requires Online Verification	All Customers
Under age	Custom Rule Age Less than 21 Less than 21	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Non-Israeli document (Unsupported ID doc)	Non-Israeli document Unsupported ID doc	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Deposit >500 ILS (Locked Funds)	Custom Rule depositAmount Greater than 500	send money: Allowedreceive money: Alloweddeposit: Blockedwithdraw: Allowed	All Customers
Phone not verified (OTP failed)	Phone Not Verified Phone Not Verified	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Incomplete profile (Missing address/email/age)	Incomplete Profile Incomplete Profile	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Email unverified (Email not verified)	Email unverified Email unverified	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Deposit >200K	Custom Rule depositAmount Greater than 200000	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
New device login (Logged in from new device)	New Device New Device	send money: Conditionalreceive money: Conditionaldeposit: Conditionalwithdraw: Conditional	All Customers
Deposit >50K (New User)	Custom Rule depositAmount Greater than 50000 AND Account Age (Days) Less than 600 Deposit >50K for new user	send money: Blockedreceive money: Alloweddeposit: Blocked unless overridewithdraw: Requires Online Verification	All Customers
New user limit	Custom Rule Account Age (Days) Less than 10 AND Accumulated Transfer Amount Greater than 5000 User received money but is not registered	send money: Blockedreceive money: Alloweddeposit: Allowedwithdraw: Blocked	All Customers
Exceeds Daily Transfer Limit (45,000 ILS)	Custom Rule Accumulated Amount Greater than 45000	send money: Blockedreceive money: Alloweddeposit: Allowedwithdraw: Blocked	All Customers
Compliance block (Accumulated transfers)	Compliance block (Accumulated transfers) Blocks when accumulated transfers exceed threshold without KYC Min amount 5000	send money: Blockedreceive money: Blockeddeposit: Blockedwithdraw: Blocked	All Customers
single transfer	Custom Rule Single Transfer Amount Greater than 49000	send money: Blocked unless overridereceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Bank linking failed (AIS failure)	Bank linking failed (AIS failure) Cannot withdraw and deposit until AIS ownership verified	Withdraw and Deposit blocked until AIS ownership verified	All Customers
Fraud / Suspended (Fraud flag or suspension)	Fraud / Suspended Fraud flag or suspension	send money: Blockedreceive money: Blockeddeposit: Blockedwithdraw: Blocked	All Customers
Authentication failed (Bio/PIN failure)	Bio/PIN failure Bio/PIN failure	send money: Blockedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Off-chain recipient (Funds held 3 days)	Funds held 3 days Funds held 3 days	send money: Blockedreceive money: Allowed (held)deposit: Blockedwithdraw: Blocked	All Customers
Blocked By Compliance 50k Accumulated KYC Required	Compliance block (Accumulated transfers) User exceeded 50K ILS accumulated activity without full online verification	send money: Allowedreceive money: Alloweddeposit: Allowedwithdraw: Allowed	All Customers
Registered — Basic IDV & FATCA, CRS Completed	Compliance block (Accumulated transfers) Blocks all transactions when accumulated transfers exceed threshold without online video verification	Basic IDV/FATCA/CRS completed; Online verification required above 50000	All Customers