ONICORE provides a modular fintech backend delivering payments, payouts, accounting, FX rates, crypto custody, and compliance through asynchronous REST APIs with webhook callbacks. The platform integrates with global payment rails and major blockchains, offers ISO‑27001‑certified security, optional on‑premises data isolation, and built‑in AML/KYC and multi‑signature wallet features, enabling neobanks, PSPs, crypto exchanges and fintech firms to launch services faster.
Funding
Funding not disclosed
Founders
Product
Problem
Fintech product teams often spend months building custom payment, payout, and accounting logic while juggling compliance, blockchain integration, and security requirements, which delays market entry and inflates development costs.
Solution
ONICORE provides a universal, plug‑and‑play core of fintech modules that can be embedded into any existing product with minimal code changes. Each module—Payments, Payouts, Accounting, Rates Centre, Cryptoforce, and Compliance—is delivered via a well‑documented, asynchronous HTTPS API that supports webhook callbacks for real‑time event handling. The platform runs on a horizontally scalable cloud architecture and offers optional self‑hosting of all sensitive data, meeting ISO‑27001 security standards. Built‑in integrations connect to major global payment rails (SWIFT, SEPA, IBAN) and to leading cryptocurrency exchanges and blockchains, eliminating the need for separate vendor contracts. Advanced features such as multi‑level wallet hierarchies, multi‑signature transaction approval, and a configurable AML engine enable enterprises to meet regulatory obligations without additional development. By abstracting these core capabilities, ONICORE reduces hard‑coding, shortens time‑to‑market, and allows customers to focus on their unique value propositions.
Target Audience
The solution is aimed at neobanks, payment service providers, crypto exchanges, hedge funds, and fintech startups that need a fast, secure, and compliant backend for payments, payouts, and digital asset management.
Features
- Modular SDKs for Payments, Payouts, Accounting, Rates Centre, Crypto custody, and Compliance, each deployable independently.
- Asynchronous REST API with secret‑key authentication, real‑time callbacks, and comprehensive SDK documentation.
- ISO‑27001 certified, scalable cloud infrastructure with optional on‑premises data isolation.
- Multi‑level wallet system (hot, aggregation, multi‑sig, cold) with automated fund routing and rotation policies.
- Integrated AML/KYC engine supporting multiple providers, customizable risk thresholds, and alerting workflows.
- Real‑time FX Rates Centre delivering market‑grade currency conversion data via cached feeds.
- Direct connectors to SWIFT, SEPA, IBAN, and top crypto exchanges, plus native support for Bitcoin, Ethereum, Solana, Polygon, and other major chains.
- Double‑entry accounting engine with audit‑ready transaction logs and exportable GL reports.