01 · Strengths & Technology

Flexible & Modular
Agentic BaaS on One Core

A single banking core, a single rules engine and a single security fabric — extended with programmable wallets that autonomous AI agents can use safely. Deploy only the modules you need, configure everything without code, and go live fast.

Agent Payments

50+

Fintech Modules

1

Unified Banking Core

No-Code

Rules & Policies

360°

Fraud & Risk Coverage

02 · Why Fintory

One core instead of eleven vendors

Launching a wallet or a digital bank normally means stitching together a core banking provider, a card processor, a rules layer, a fraud vendor, a KYC provider and a CRM. Fintory delivers them as a single product, wired together before you start — so your team builds the business, not the plumbing.

Days, not months

Go live on a configured platform

Instead of a multi-quarter integration program, you configure a platform that already runs the core, cards, FX and payments.

One core

No gaps between systems

Payments, policies and security decisions share the same transaction context — so nothing has to be reconciled after the fact.

No-code

Ops owns the business rules

Fees, limits, KYC triggers and approval tiers are edited visually, versioned and audited — without a release cycle.

AI-ready

Agents are part of the platform

Agent wallets, AI builders and the financial CRM ship with the product — not as a roadmap item for next year.

Production posture, from day one
KYC & AML screeningSanctions & PEPConsent-based Open BankingExplainable decisionsImmutable audit trailMulti-tier approvals
03 · Unified Architecture

Payments, rules and security — one transaction path

Agent Payments, the Rules Engine and 360° Security are not bolt-ons. They run inside the same core as accounts, cards and FX, so every movement of money passes through the same policy decision, the same fraud check and the same audit record — with no reconciliation gaps between systems.

Banking Core & Ledger

Accounts, IBAN, cards, FX, balances and a double-entry ledger — one system of record for every movement of money.

Agent Payments

Programmable wallets for autonomous AI agents with spend limits, merchant rules, approvals and instant freeze.

Rules Engine

Fees, limits, KYC/AML triggers and multi-tier approvals configured visually, versioned and fully audited.

360° Security & Anti-Fraud

Behavioral profiling, AML and sanctions screening, account-takeover and insider-fraud detection in real time.

One core · One decision · One audit trail

The banking core, agent policies, rule engine and security signals share the same transaction context.

Single ledgerSingle policy layerSingle security fabricSingle audit trail
04 · Flexible & Modular

Configure the platform — not the codebase

Fintory is built as a modular Agentic BaaS: every capability is a deployable unit with its own configuration, so a bank, a wallet, a loyalty club or an AI-agent payments program is assembled from the same production core — and extended without forking it.

  • Modules deploy independently — start with a wallet, add lending or loyalty later
  • White-label and multi-tenant from day one, with your own branding and limits
  • API-first: REST endpoints and webhooks for every core capability
  • Ready integration layer for core banking, PSPs and KYC / AML providers
  • No-code configuration of rules, tariffs, limits and approval flows
  • One codebase for web and mobile — no parallel product roadmaps

Wallet as a Service

Wallet & card infrastructure

  • Multi-currency wallets and an immutable ledger
  • Virtual and physical card issuing with spend controls
  • Top-up, withdrawal, P2P and QR payments
  • Open Banking connections with explicit, revocable consent
  • Embedded loyalty, cashback and membership tiers

Agentic BaaS

Wallets that AI agents can use

  • Dedicated wallets for autonomous AI agents
  • Delegated spending policies, daily and monthly limits
  • Merchant category allow-lists and per-transaction caps
  • Internal agents or external models — Gemini, GPT, Claude
  • Instant freeze, suspension and full audit trail
05 · Money Flow Management

Money moves through your own chain — built by toggles, not code

Fintory orchestrates liquidity across several integrators and your own project wallets. Compose the chain link by link, route every transaction by country and currency, and let the platform handle FX, sweeps, pools and auto-pull from the bank — without a single line of code and without an integration project.

No-code chain builderDependencies derived automaticallyRouting corridors & fallbackSweep · Pool · Prepaid → DebitMulti-integrator by design
Flexible chain builder
Advanced

Money enters the provider but is swept to the main project wallet — the client sees the full balance, and on use the funds are returned.

Dependencies derived automatically
  • The funding account feeds liquidity into the integrator wallet
  • Sweep routes funds to the pool and returns them on use

Live chain

Funding account
Integrator wallet
Project pool

Changes save on the wallet itself — no page navigation, no deployment.

Sweep / PoolAirwallex

Variant 2 — funds follow the client, not the rail

Money enters the provider but is swept to the main project wallet. The client sees their balance there — and on use, the funds return instantly to the spending wallet.

User wallet₪7,500
Airwallex wallet₪0
Main project wallet₪92,000
  1. 1Deposit enters the user wallet as a virtual balance
  2. 2Sweep: funds move to the main project wallet — the client doesn't see it
  3. 3The client sees the full balance
  4. 4On use, funds return from the project wallet to the user wallet

Routing corridors

3

Every transaction is mapped to a provider by source and destination country and currency. Rules run by priority — and a fallback provider catches failures.

IL → IL · ILSOkooraP1
EU → IL · EURAirwallex → CurrencycloudP2
US → EU · USDEburyP3
Fallback provider — Wise, used automatically when a primary rail fails
Add corridor

Flow templates library

3— start from a proven chain, then adjust it on the wallet

Custom flow

No suitable template? Build a flexible money chain from scratch.

Standard

Prepaid — Standard

Top-up source

₪5,000

Prepaid wallet

₪5,000

  1. 1.Deposit goes directly into the prepaid wallet
  2. 2.Agents purchase from the balance
Standard

Debit from another wallet

Source wallet

₪50,000

Debit wallet

₪2,000

  1. 1.Balance drops below the configured threshold
  2. 2.System pulls funds from the source wallet
Standard

Prepaid → Conditional debit

Prepaid wallet

₪0

Bank (Open Banking)

₪120,000

  1. 1.Wallet operates as normal prepaid
  2. 2.When the balance hits the threshold — switches to debit mode
  3. 3.Pulls from the bank via Open Banking
06 · Deployment Path

From request to live in four steps

No infrastructure project, no twelve-month roadmap. You choose the composition, we configure it on the core, and your team starts working with real transactions.

01

Choose your model

Wallet-as-a-Service, Agentic BaaS for AI agents, full neobank — or a hybrid of all three.

02

Pick your modules

Accounts, cards, FX, loyalty, lending, CRM. Activate only what you need and pay for what you use.

03

Configure the rules

Fees, limits, KYC triggers and approval tiers set up visually by your operations team.

04

Go live

White-label ready, web and mobile from the same build, with monitoring and audit from the first transaction.

Transaction path

Modules selected
Banking core
Rules Engine
360° Security
Live transactions
07 · AI-Native Tooling

Three builders, one workspace

The product surface is generated, not hand-coded — while the relationship behind it stays in the CRM.

AI Wallet Builder

Generate the client-facing wallet experience from a prompt — its own colours, module set, logic and flows. Every client gets a product shaped around their business, not a template.

Personalised UIOwn logic & flowNo code

AI Agent Builder

Create internal agents for shopping, renewals, price tracking and budgets — or connect external models with scoped permissions, spend limits and shared groups where people and agents decide together.

Internal agentsExternal modelsGroups & chats

Financial CRM

Clients, accounts and deal pipelines in one workspace — onboarding documents, KYC state, activity history and analytics sitting right next to the transactions they describe.

Clients & dealsKYC pipelineLive analytics
08 · Control & Trust

Rules Engine and 360° Security, working together

Every transaction is checked twice: once against the business rules you configure, and once against the behavioral and financial-crime signals of the 360° Security fabric. Both decisions land in the same case, with the reasoning attached.

Rules Engine

  • Fee, tariff and interest rules defined visually
  • Limits and real-time exposure control per product and per customer
  • KYC, AML and step-up verification triggers
  • Multi-tier approval flows with delegated authority
  • Versioning and a complete change log on every rule
  • Dry-run simulation before a rule goes live

360° Security & Anti-Fraud

  • Continuous behavioral profiling for customers and staff
  • Account-takeover, transaction fraud and mule-account detection
  • AML, sanctions, PEP and adverse-media screening
  • Insider fraud and privileged-access abuse monitoring
  • Automatic response ladder: Notify → Verify → Block
  • Cross-institution fraud intelligence and explainable decision trace
09 · The Difference

Traditional build vs. Fintory

The same product, two very different paths to production.

Traditional stackFintory platform
Time to first live transaction
Two to four quarters of integration work
Configured deployment — live in days, not months
Vendors & contracts
Core banking, card processor, FX, fraud, rules, CRM
One platform, one contract, one integration
Changing fees & limits
Change request and a release cycle
Ops edits in a visual editor, versioned and audited
Compliance & audit
Assembled per vendor, with gaps in between
KYC, AML, screening and audit trail inside the core
AI agents & wallets
Not supported by classic cores
Native agent wallets with spend policies and limits
Reconciliation
Matched across systems after the fact
Single ledger, single decision, single trail
10 · Platform Modules

Every module, one platform

Each module deploys independently on the shared core — activate what you need today and add the rest as you grow.

Digital Wallet

Multi-currency wallets with real-time balances and P2P transfers.

Digital Bank

Full neobank infrastructure — accounts, cards and payments.

Card Management

Virtual and physical issuing, spend controls and per-card limits.

FX & Payments

Real-time FX conversion, SWIFT / SEPA and cross-border payments.

Loyalty & Club

Points, cashback and membership tiers — fully configurable.

HR Tools

Employee benefits, expense cards and salary advances.

Investor Portal

Private-banking experience for HNW clients — portfolios and subscriptions.

AI Wealth & Advisory

AI portfolio advisory, automated rebalancing and wealth insights.

Analytics & BI

Real-time dashboards, transaction insights and custom reports.

SME Protection & Risk

Continuous exposure monitoring with insurance-gap recommendations.

Adaptive Risk & Credit

Behavioral and transactional scoring with dynamic credit limits.

AI Agents Wallet

Wallets for autonomous agents with limits, categories and audit trail.

11 · Next Step

See your product running on the core

One conversation is usually enough to see whether the platform fits — and what your launch would look like.

1

Leave a request

Tell us the product you want to launch and the market it serves.

2

We map your setup

Modules, wallet flows, rules and limits mapped onto the core — with you.

3

See it working

A configured environment you can click through, then decide on the pilot.

Explore Agent Payments