Cross-border payment infrastructure concept for SMEs
What this concept would cover
Multi-currency wallets, KYC flow, virtual IBANs, FX rate handling
The Challenge
SMEs lose a meaningful share of each transaction to bank FX fees when paying international suppliers. The founders need a regulated fintech platform without building their own banking infrastructure.
The Solution
Ubikon would build a Next.js fintech platform on top of Stripe Connect and Plaid, with multi-currency wallets, a compliance KYC flow, and a virtual IBAN per business, designed to be FCA-compliant from day one.
Compliance Design
FCA regulatory mapping, AML/KYC flow architecture, PCI DSS scoping.
Banking Integrations
Stripe Connect multi-party payouts, Plaid account linking, SWIFT/SEPA wiring.
Core Wallet
Multi-currency ledger, real-time FX rates, transaction reconciliation engine.
Security Hardening
AWS KMS encryption, HSM key management, penetration test, WAF rules.
Launch & Scale
Beta with a small group of businesses, FCA registration support, then public launch.
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