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One configurable operating platform for banks and fintechs

The same system — ledger, KYC orchestration, approval workflows, channels, reporting — configured to fit wallets, EMIs, mobile money, neobanks, and other fintech / white-label deployments. Operator workflow already in the box; configurable and customisable.

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Deployed on AWS · Huawei Cloud · on-premise

Core software for fintech

Built to cover the full surface of regulated-fintech software

Six capability groups span everything a regulated operator typically needs — ledger, KYC, payments, channels, reporting, marketing. Your exact package is shaped to your project scope. Core capabilities come standard; advanced features are licensed and quoted separately from the basic package.

System of Record

Individuals and Business Profiles

Accounts ledger

Transaction history

Detailed events log

Financial Core

Pricing plans, fees, limits, taxes

Multi-currency, FX rate tables

Payment orchestration

Connectors to BaaS & card issuers

Automation & Integration

Workflows, manual user tasks

Payment services configurator

Printed forms and data exports

Settlement accounts & custom reconciliation

Compliance

KYC/AML processes orchestration

Regulatory reporting (custom)

End-User Channels

Multi-factor authentication

Mobile applications

Integration-ready for USSD, chatbots

Notifications (SMS, push, email)

Multi-language support (RTL)

Marketing

Loyalty accounts

Metrics and incentives

Invite-a-friend

Invitation Transfer

Enterprise-grade · production foundations

Engineered for regulated fintech at production scale

The non-functional characteristics that decide whether a platform survives a third regulator audit and a 4× scale event. Detail per dimension below — pulled from production deployments, not slide decks.

Scalability & reliability

Built for scale, proven in production

Stateless services, horizontal scaling per component, and the kind of operational discipline that holds up at five million accounts. Multi-zone by default.

Horizontal scalability

Services are stateless and horizontally scalable — scale out per component, not per platform.

High-performance core

Optimized transactional path; tested at multi-million-account scale with instant postings.

Multi-AZ high availability

Active-active deployment across availability zones by default.

Proven scale

Largest tenant runs 5M+ accounts on a single deployment with thousands of merchants and agents.

Cloud-agnostic & on-premise

Deploy on AWS, Huawei Cloud, or into your own datacenter.

Architecture & technology

Modern stack, asynchronous by design

A current-generation technology stack designed for asynchronous integration with the external systems regulated fintech actually depends on. Configurability where it matters, custom scripting where business logic is genuinely unique.

Modern technology stack

Containerized services, mainstream cloud, mainstream tooling. Low total cost of ownership.

Extensive API surface

300+ documented APIs for frontend channels and partner integrations. OpenAPI specs published; sandbox environment is always part of service.

Async integration model

Webhooks, idempotency keys, at-least-once delivery, retries with backoff. Integrations designed to absorb partner outages.

Strong integration capabilities

Connectors for cards, FX corridors, KYC vendors, BaaS providers, and reporting systems — built per engagement.

Configurable + scriptable

Most operator behaviour is configured per tenant. For genuinely unique business logic, custom scripts run inside the platform without forking the core.

Security & governance

Regulator-grade, shipped in the box

Role-based access, multi-factor authentication, end-to-end audit trails — not bolted on after the first audit, but the way the platform was built. Every state change is logged with actor, timestamp, source, and reasonable context.

Role-based access control

Granular roles for the operator back office and the integration API. Separation of duties is enforceable per tenant.

Two-factor authentication

Standard for back-office users and configurable for end-user roles. Authenticator and SMS-based options.

Extensive audit trail

Every business-event, security-event, and configuration change is logged immutably and queryable from the operator dashboard.

Operational logging

Separated operational, security, and business-event log streams. Can be forwarded to your SIEM where required.

PCI DSS scope minimization

Sensitive card data is not stored by Veengu. Controlled API flows use mandatory encryption where sensitive data is passed.

Analytics & operations

Reporting that never freezes the core

A dedicated Analytics DB, fed from the operational database, so heavy queries never compete with end-user transactions. Configuration changes (pricing, limits, payment parameters, end-user menus) propagate live without a frontend release cycle.

Dedicated Analytics DB

ClickHouse-backed analytical store. Separated from the transactional ledger so reporting load never affects production performance.

Fast reporting

Regulatory and operational reports can be built on the Analytics DB, standard Excel/CSV exports or using Online Reporting Engine.

Online configuration

Pricing, limits, payment parameters, end-user menus — change live, no frontend redeploys, no app-store releases.

Operator back office

Approval Workflows and task queues built for daily routine.

Data-driven decisions

Operational KPIs, customer-journey metrics, and regulator-grade reports can be sourced from the same Analytics DB layer.

User experience & localization

Apps that ship, languages that match

Back-office and customer-facing surfaces that real users operate every day. White-label mobile apps you can brand and publish. End-user messaging generated from the core, localized per tenant.

Back-office usability

Designed for daily operators, single-window approach for end-user profiles, extensive transaction context view, quick navigation between objects.

White-label mobile apps

iOS and Android source-available reference apps. Your brand, your app store, your release cadence.

Multi-language messaging

End-user messages generated from the core, with per-tenant localization. RTL layout supported.

Online business changes

Many operator changes propagate without a mobile-app release. Reduces release frequency and app-store risk.

Payment orchestration

One engine for every money movement

Incoming and outgoing payment flows pass through a single orchestration layer with validation, routing, pricing, settlement, and reporting built in.

Incoming

Money transfers by phone number or account number

Account top-up from a bank card

Voucher redemption or cash top-up by invoice number

Remittance payouts to wallet

Veengu Payment Orchestration Core

Validation · Routing · Pricing · Settlement · Reporting

FX deals booking

Partner accounts

Beneficiaries

Configurable services

Outgoing

Local bank transfers & instant payments

Utility payments, mobile top-ups, VAS purchases

Cash-out to mobile money

Cross-border money remittances

Operation types

Comprehensive set of standard operation types

Every money movement on Veengu is one of a controlled set of operation types. Each carries its own routing rules, pricing logic, and audit trail. Grouped here by where the value moves.

Group 01

Money movement

Customer-initiated transfers, payouts, and account funding.

P2P Transfer

Individual-to-individual transfers between wallets or accounts.

Own Accounts Transfer

Move funds between your own wallets, cards, or sub-accounts.

Outgoing Transfer

Bill payments, utility, mobile top-ups, transfers to external accounts.

Payout

Direct disbursements to external bank accounts or payout partners.

Cash Remittance

Code-based cash transfer to a remote beneficiary.

Account Topup

Load funds from a bank card, gateway, or agent network.

Group 02

Face-to-face transactions

Cash and merchant transactions at agent points, kiosks, and POS.

Cash Deposit

Physical cash deposit at an agent or merchant location.

Cash Withdrawal

Wallet-to-cash disbursement at an authorized agent or merchant.

Cash Remittance Payout

Cash collection at an agent point using a previously issued code.

Cash Collection

Scheduled cash pickup by a collection agent or partner.

Purchase

Merchant sales via mPOS, QR code, or e-commerce.

Group 03

TP-originated transactions

Initiated by third-party systems — banks, card processors, payment networks.

Incoming Transfer

Inbound credits from banks, payment hubs, or other Veengu tenants.

Card Transaction

Purchase, ATM withdrawal, or POS deposit logged by the card processor.

Debit Order

System-initiated debit against a customer per external authority.

Group 04

Operator & system

Back-office, fees, corrections, settlements, and rewards.

Service Charge

Non-transactional account fees and maintenance charges.

Settlement

Periodic reconciliation of net payables and receivables with partners.

Account Transfer

Admin-initiated transfer between any two accounts for corrections.

Loyalty Transfer

Credit reward points, cashback, or referral rewards to a customer.

Reversal

Reverses a previously posted transaction — refund, chargeback, or fix.

Forced Approval

Manually post a transaction that failed at authorization time.

Accounts

Veengu accounts and external payment instruments, side by side

Native Veengu accounts and third-party payment instruments share the same operator surface — one back office, one transaction history, one set of pricing rules.

Ledger of Veengu accounts

Multi-currency accounts, "wallets"
Customizable product templates
Unique pricing plans for customer groups
Fees, limits, and FX rates based on transaction context
Liquidity buckets

Payment instrument orchestration

Connectors to BaaS, card issuers, or crypto custody services
Unified approach for Veengu ledger accounts and external instruments
Centralized administrator access for all accounts — one back office
Pricing plans for third-party sources of funds
Transaction history mirroring and archiving

Customer onboarding & operations

Onboarding, KYC, and the workflows that run day-to-day operations

Out-of-the-box flows ship with the platform. Customize where your business processes are genuinely unique.

Onboarding and KYC

Customizable digital onboarding of individual and business customers
Profile management and KYC flows with multiple KYC levels
Integrations with KYC/AML screening services and OCR/face-liveness checks for automated document and photo capture
Locations, terminals, and team-members management for business profiles

Workflows

Business processes automation: KYC level upgrades, KYC document expiration, suspected duplicate profiles, ordering cards/wallets
Transaction monitoring: approving beneficiaries on AML screening matches, stuck-transaction investigation, failed-reporting recovery
Out-of-the-box workflows with customization available to align with your unique business processes

Deployment

SaaS or on-premise. Pick the model that fits your regulatory posture

SaaS

Veengu operates the platform on AWS or Huawei Cloud. Fastest time to live. Multi-zone by design; multi-region for cross-jurisdictional operators.

Common for pre-launch fintechs and licensed wallets

On-premise

Veengu deploys into the operator's datacenter or private cloud. Full data sovereignty. Suited to banks and operators with on-soil regulatory requirements.

Common for licensed FIs and on-soil-mandated geographies

SaaS or on-premise — compare deployment options →

Integrations & connectors

Examples of standard and custom integrations Veengu has delivered

Standard connectors come with the platform. Custom connectors are built per engagement. Veengu is not a reseller — the commercial agreement with each third party is signed directly between the customer and the vendor.

Integration catalogue

Cards, payments & core ledger

Mambu · Ukheshe · DAPI · Paymentology · Network International · DPO Payments · UBA Bank Group · various country-local banks and payment gateways

Cross-border payments

Onafriq · Thunes · TerraPay

AML, screening & fraud

LexisNexis Bridger · ThetaRay · Amlock · Flagright

KYC & identity verification

Regula Forensics · iProov · UAE Pass · Thiqah · Elm · Nafath

Notifications

Expo/Firebase · AWS SNS · Infobip · Twilio Sendgrid

Some connectors are tenant-specific and cannot be reused. Country-local connectors added per engagement.

How operators use the platform

Sample operator profiles

Each profile inherits the same platform core and adds operator-specific modules.

Pricing

Scope-based, not per-seat

Engagements are quoted as four components: subscription, implementation, modules, and any custom development. First-year platform budget starts above a USD 70K floor.

See pricing model

Discuss your platform scope.

We respond within three business days. Bring your regulatory licence, target geographies, expected scale, and integration constraints.

Book a demo Send your scope