Digital Banking

FLUX offers versatile functionality, operating both independently and in parallel with other systems, depending on the orchestration of the solution. It can seamlessly integrate with legacy core banking systems, taking charge of comprehensive orchestration for specific business services. This includes launching family banking or Buy Now, Pay Later (BNPL) initiatives, and even managing crypto accounts within traditional banking operations.

Faster, Simpler, and Stronger E-Money Services

Perfinal's 3-in-1 solution (fiat, e-money, fiat+e-money) streamlines the process of launching and scaling E-Money services by replacing traditional physical strategies with analytically-synced treasury management.

Automated and Dedicated Reporting

Maximize your ROI with cost-effective solutions that enhance your operations

Advanced Pocketing for Children and Families

Children's pockets with parental controls, limits, and government subsidies
Family/shared pockets with assigned ownership and limited rights
IBAN-assigned pockets with varying interest, access, and ownership
Virtual Card assigned to specific pockets
Integration with mobile payment solutions

Customizable BaaS for E-Money Institutions

Expand your service offerings to E-Money clients by providing BaaS solutions with your own AML/Fraud rules, improved risk management, and the option to manage customer onboarding backend.

Analytically-Synced Portfolio Management

Efficiently manage dedicated portfolios and treasuries for each EMI client within a single core banking system, reducing overheads and simplifying scaling.

Streamlined Portfolio Creation

Perfinal's virtual-level capability eliminates the need for slow and costly physical integrations. Create new portfolios for clients with just a few clicks, expediting the onboarding process.