Fintory — The Fintech Factory Platform Built to Scale
Fintory is a modular fintech factory platform for launching and scaling digital wallets, digital banks,
credit cards, FX, loyalty programs and HR financial tools. One platform to launch, manage and scale any
financial product — with a no-code rules engine, built-in KYC/AML compliance, regulatory reporting,
full audit trail, AI adaptive risk & credit intelligence, 360° behavioral security and a financial CRM.
Go live fast with full modularity and white-label support.
Why Fintory — Simplicity, Speed & Control
The only platform that lets you build a complete financial product and go live at record speed — without
compromising on compliance or regulation.
Fast time to launch:
from zero to live, fast — no
months of development.
Full modularity:
pick only the modules you need and pay only for what you
use (50+ modules).
No-code control:
configure rules, workflows and fees from a visual interface —
no developers needed.
Built-in compliance:
KYC, AML, regulatory reporting and audit trail — all
production-ready out of the box.
Core Services — WaaS & BaaS
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Wallet as a Service (WaaS):
multi-currency wallets, real-time P2P & merchant payments, QR payments, virtual & physical card issuance, embedded loyalty & cashback, Open Banking integrations.
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Banking as a Service (BaaS):
IBAN accounts, SWIFT/SEPA transfers, credit & lending products, core banking integration layer, multi-tenant white-label ready.
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FX & Payments:
real-time FX conversion, cross-border payments, SWIFT/SEPA.
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Loyalty & Club:
points, cashback and membership tiers — fully configurable.
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HR Tools:
employee financial benefits, expense cards and salary advances.
Platform Modules
Digital Wallet · Digital Bank · Loyalty & Club · HR Tools · Investor Portal · Card Management ·
FX & Payments · Analytics & BI · AI Wealth & Advisory · SME Protection & Risk Exposure ·
AI Adaptive Risk & Credit Intelligence. Each module deploys independently and is fully configurable — no code required.
A new module enabling secure automated purchasing via dedicated wallets. Each wallet operates within
predefined spend limits and allowed merchant categories, and can be assigned to one or more internal or
external AI agents (Gemini, GPT, Claude). Features include two wallet types (prepaid and debit), Open Banking
connection, internal and external agents, daily/monthly/per-transaction limits, instant freeze, full
transaction ledger, shared multi-user access with granular permissions (Viewer, Editor, Manager), and
enterprise-grade security — Row-Level Security, API keys in a secure secrets vault, revocable bank connections.
More about the Agent Wallet technology →
No-Code Rules Engine & Compliance
Define fees, limits, compliance triggers and multi-tier approval flows visually. The engine fuses
behavioral signals with transactional credit rules
for AI adaptive risk & credit intelligence —
dynamic credit limits, real-time exposure control and self-learning approval flows.
KYC, AML, regulatory reporting and a full audit trail are built in — production-ready from day one.
A unified behavioral security platform for fintechs and digital finance. Real-time behavioral analysis,
AI-powered profiling and automated risk-based response (Notify → Verify → Block) for both customer-side
threats (account takeover, transaction fraud, AML & mule accounts) and insider threats (malicious
employees, privileged access abuse, human error). One dashboard, one risk score, one decision engine —
zero blind spots. Built for fintechs, neobanks, digital wallets, PSPs, e-commerce, HR & benefits,
loyalty clubs, lending and FX.
Learn more about Fintory Behavioral Security →
Adaptive risk scoring that fuses behavioral signals with transactional credit rules — enabling dynamic
credit limits, real-time exposure control and self-learning approval flows. A low transactional credit
score combined with behavioral anomalies (new device, unusual location) can automatically lower the credit
limit, trigger step-up KYC and increase the risk score. Featured at the Singapore FinTech Festival 2026.
More about Adaptive Risk Modelling Systems →
SME Credit & Live Risk Monitoring
A data-driven SME credit application flow with identity verification, account consent, interactive analyst
case management and a real-time risk-monitoring system. Fuses credit bureau, Open Banking, holding-tree
and behavioral signals into a single unified score with live tier decisions (Clear → Notify → Verify → Block),
cross-institution fraud intelligence and an explainable AI decision trace.
Upcoming Events
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Fintech Roadshow to the UAE — Abu Dhabi & Dubai, 02–03 September 2026:
live demo of the Agent Wallet module for secure autonomous-agent transactions.
More about the technology →
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Singapore FinTech Festival 2026 — 18–20 November 2026:
Fintory is applying with Adaptive Risk Modelling Systems.
More about the technology →
Fintech Configurator
Four steps to launch: choose your model (WaaS, BaaS or hybrid), pick your modules, configure rules, go live.
White-label ready, multi-tenant, and built for scale.
Contact
To request access, leave a request or talk to our team, use the "Leave a Request" form on the site.
© 2026 Fintory. Fintech Factory Platform. All rights reserved.
