Platform

Every piece of banking infrastructure, unified.

From payments to ledger to identity - one platform, one API contract, one team responsible for all of it. Stop stitching together point solutions and build on infrastructure that scales to any volume.

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Payment rails

8 rails. One integration.

We maintain the integrations, manage scheme updates, and handle edge cases. You call one endpoint.

SEPA Credit TransferEU
SEPA Direct DebitEU
Faster PaymentsUK
CHAPSUK
SWIFTGlobal
ACHUS
BACSUK
SPEIMX
Payments Engine

Every payment rail. One API.

Send, receive, and reconcile payments across SEPA, Faster Payments, SWIFT, ACH, and more. We abstract every rail's complexity - retries, error codes, scheme-specific formatting - so your team writes clean business logic, not payment protocol parsers.

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What's included

  • 01Unified payment object across all rails
  • 02Automatic retry and fallback routing
  • 03Real-time balance updates
  • 04FX conversion at point of payment
  • 05Bulk payment scheduling
  • 06Payment status webhooks with rich metadata
Ledger Core

Always balanced. Cryptographically sealed. Built for regulated scale.

Ledger Core is the backbone of every financial product on Techvica. Every transaction produces two matched, immutable legs - permanently timestamped and cryptographically verifiable. Your books never go out of balance. Reconcile in real time - not overnight.

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What's included

  • 01Always-balanced ledger as a service
  • 02Immutable event log with cryptographic hashing
  • 03Real-time account balance queries
  • 04Historical point-in-time queries
  • 05Multi-currency account hierarchies
  • 06Automated end-of-day reconciliation reports
Multi-Currency Accounts

Unlimited currencies. One account structure.

Hold balances in multiple currencies under a single account hierarchy. Convert between currencies at real-time interbank rates, set automated FX rules, and let your customers transact globally without ever thinking about exchange rates.

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What's included

  • 01Unlimited currency support
  • 02Real-time interbank FX rates
  • 03Automatic currency conversion at transaction time
  • 04FX rate locking for up to 48 hours
  • 05Hedging rules and exposure alerts
  • 06Multi-currency statements and reporting
Analytics & Reporting

Operational intelligence built in.

Real-time dashboards, exportable data, and a full SQL-queryable data warehouse endpoint. Monitor transaction volumes, success rates, FX exposure, and compliance flags - without stitching together a separate data stack.

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What's included

  • 01Real-time transaction monitoring dashboard
  • 02Custom alert thresholds and escalations
  • 03SQL-queryable data warehouse endpoint
  • 04Pre-built compliance and AML reports
  • 05Revenue and volume trend analysis
  • 06Exportable to CSV, JSON, or Parquet
Partner KYC & AML

Identity and risk, handled at the infrastructure level.

Configurable identity verification workflows, continuous transaction monitoring, and automated SAR generation. Plug in your preferred identity provider or use our built-in pipeline. Pass or refer to human review - you set the thresholds.

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What's included

  • 01Document verification via Onfido, Jumio, or Sumsub
  • 02Liveness and biometric checks
  • 03PEP and sanctions screening (OFAC, UN, EU)
  • 04Configurable transaction monitoring rules
  • 05Automated SAR flagging and case management
  • 06Full audit trail for regulatory review
Real-time Webhooks

Event-driven. Reliable. Ordered.

Every state change on the platform - payment received, KYC approved, FX rate locked - fires a structured webhook event with full idempotency keys and delivery guarantees. Build reactive systems without polling.

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What's included

  • 01Structured JSON payloads for every event type
  • 02Guaranteed at-least-once delivery
  • 03Ordered event stream per resource
  • 04Automatic retry with exponential backoff
  • 05Webhook signing for payload verification
  • 06Event replay for up to 30 days
White-label UI

Your brand. Our infrastructure.

A complete, themeable component library for account dashboards, transaction histories, onboarding flows, and statements. Shipped as React components with full Figma files. Customise every token - then deploy in hours, not months.

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What's included

  • 0140+ production-ready React components
  • 02Full Figma design system included
  • 03CSS custom property theming
  • 04Dark mode support out of the box
  • 05Accessible to WCAG 2.1 AA standard
  • 06Localised to 12 languages
Identity & Compliance

Compliance as infrastructure, not afterthought.

Role-based access control, SSO, MFA, and a complete audit trail for every action on the platform. Built to satisfy FCA, GDPR, and institutional security review from day one - so your compliance team can approve, not re-engineer.

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What's included

  • 01Role-based access with custom permission sets
  • 02SSO via SAML 2.0 and OIDC
  • 03MFA enforcement per role
  • 04Immutable audit log for all user actions
  • 05Session management and forced re-auth
  • 06IP allowlisting and geographic restrictions
Currencies supported

Unlimited currencies, live interbank rates.

GBPEURUSDCHFJPYSGDAUDCADHKDSEKNOKDKKPLNCZKHUFRONAEDZARNGNKESINRMXNBRLTRYNZD
Platform performance

Numbers that matter in production.

99.94%

Transaction success rate

38ms

Average processing time

100%

Reconciliation accuracy

99.999%

Webhook delivery rate

Ready to see the platform in action?

Our solutions engineers will walk you through a live demo tailored to your use case, with real transaction data.