Geniusto provides an open‑architecture, low‑code digital banking platform that extends existing legacy systems with a modular “bank‑in‑a‑box” suite, including core banking, payment orchestration, omni‑channel front‑ends, and automated onboarding. The solution enables banks, neobanks, EMIs, PSPs and fintechs to launch fully functional digital banks in weeks, offering real‑time AML, KYC/KYB, risk‑scoring and a single‑pane‑of‑glass dashboard for centralized monitoring and compliance.
Funding
$5.9M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial institutions often rely on fragmented legacy systems and multiple vendors, leading to high integration costs, slow time‑to‑market for new digital services, and difficulty maintaining compliance across jurisdictions.
Solution
Geniusto delivers an open‑architecture, low‑code digital banking platform that extends and overlays existing core systems. The modular “bank‑in‑a‑box” suite includes API‑driven core banking, payment orchestration, omni‑channel front‑ends, and automated onboarding, enabling institutions to launch fully functional digital banks in weeks rather than months. Real‑time AML and risk‑scoring tools help meet regulatory requirements, while a single‑pane‑of‑glass console provides centralized monitoring, reporting, and vendor management. The platform supports multi‑tenant, multi‑entity deployments and integrates with over 80 native services, including SWIFT and SEPA, facilitating rapid expansion across borders and channels.
Target Audience
Primary customers are banks, neobanks, electronic money institutions (EMIs), payment service providers (PSPs), credit unions, and fintech platforms seeking to digitize and scale their banking operations.
Features
- Low‑code, open API architecture that can be layered onto any legacy core system
- Modular product suite (Omni‑channel, Onboarding, Core Banking, Payments) built around a unified API hub
- Multi‑tenant, multi‑entity ledger with cloud‑based scalability for unlimited accounts and jurisdictions
- Integrated KYC/KYB, biometric verification, customizable risk‑scoring, and real‑time AML monitoring
- Over 80 native integrations (SWIFT, SEPA, fintech APIs) plus custom on‑demand connectors
- Single pane of glass dashboard for end‑to‑end transaction monitoring, reconciliation, and compliance reporting
- Real‑time transaction monitoring and AML engine to exceed regional regulatory standards
- API‑first design enabling rapid addition of new payment rails, currencies, and fintech services