All-in-one banking
Full-featured software platform for banks and FinTechs. Velmie provides software and services for end-to-end delivery of next-gen products globally.
Technology
Velmie provides banks with a competitive advantage through technology. We make future-proof and cost-effective software for next-generation financial services companies using modern technology and modular software architecture.
Composable
Made of multiple components, Velmie allows configuring unique features and integrations aligned with your business needs. Our team handles end-to-end delivery, training and support so you can keep focused on your customers.
Cloud-agnostic
The software platform can be deployed in Kubernetes clusters at any cloud hosting provider or on-premises.
Plugins & Extensions
Get the advantage of prebuilt integrations with the leading providers for payments, compliance, cards and other services. Build connections to other APIs with the help of our teams.
Single-tenant
To ensure data security, we use a single-tenant delivery approach running software instances of every client in isolated environments.
API orchestration
Advanced orchestration technology to manage API connections on the go. The solution allows introducing new API integrations and implementing smart routing between multiple endpoints.
Golang
Cloud-native
API Middleware
Partner Ecosystem
White-label apps
Beautifully-designed and production-tested applications to shorten time-to-market.
Mobile Apps
White-label mobile applications for iOS and Android, branded and customized for your company. Built with Flutter framework, the applications are easy to maintain and adjust for different markets and audiences.
Web App
Web interface along with the mobile applications to provide omnichannel experiences for your customers.
Customizations
Looking for something unique? Together with our UX and product teams, you can build and implement a custom interface, experiences and workflows to perfectly fit your audience.
Accounts
Instant opening and full control over multiple account types for business and retail customers.
Individual Accounts
Configurable accounts for individual customers. Support IBANs, multi-currency, linked cards and money movement. Accounts can be used for various purposes, including checking, savings, investments, lending, etc.
Multi-Currency Accounts
Available for business and individual customers, this account types allow to hold and transact in over 150 currencies with zero Fx fees.
Business Accounts
Multiple business account types to handle deposits, bill payments, cash advances, cross-border transfers, ecommerce and other use cases.
Minimum balance accounts
Line of credit accounts
Interest-bearing accounts
Monthly maintenance
IBANs and vIBANs
Cards
Full set of features to start and manage your card program.
Physical cards
Issue physical cards with one or many card issuing companies connected to Velmie. Manage and control card delivery, transactions and limits with our back office system.
Prepaid cards
The fastest and easiest way to launch a card program and test ideas risk-free for fintech startups. Velmie and our partners offer a turnkey solution for prepaid cards so you can keep focused on your business and customers.
Virtual cards
Instantly issue virtual cards connected to new or existing accounts. Available to use immediately, virtual cards are one of the safest options for online shopping.
Apple Pay, Google Pay
Card management
Corporate cards
3D Secure
BIN Sponsorship
Payments
Connected payment methods to send and receive funds, exchange currencies and make withdrawals.
Bank transfers
Connected to multiple partner banks, Velmie enables global and local bank transfers for regulated institutions and merchants.
P2P Transactions
Instant P2P transfers are initiated with QR codes, payment links or address book contacts.
Bulk Payments
Domestic and international bulk payouts and all available currencies. Sync with CRM or ERP systems to automate salary payments or business payouts.
Cross-border payments
Together with our partners Velmie supports over 130 countries and 75+ currencies available for exchange and international transfers.
QR Payments
QR codes for merchants and individuals for instant A2A payments with all available currencies.
Invoices
Generate branded invoices, share and get paid online with all available methods.
Configurable transfer fees
Manage exchange rates and margins
Smart transactions routing between partner banks
Transfer requests
Payment links
Users
Flexible solution to configure user types with the associated workflows and permissions.
Individual users
Instant onboarding with a tiered KYC system and configurable account limits per country.
Admins
Add admin and staff users with advanced RBAC system and maker-checker operations.
Business users
Scalable system for business entities with embedded permission-based staff management system.
User groups
Import & sync users
RBAC
Tiered KYC
Investments
Build modern financial services solutions with embedded tools to invest in alternative currencies and assets.
Exchange and Brokerage
Add an alternative currency brokerage or exchange service to your banking product. Connected to the enterprise-grade matching engine and top liquidity providers.
Custody
Multiple custody options to ensure asset safety and regulatory compliance.
Transactions
Alternative currency on-ramp, off-ramp and p2p transfers.
Wallets
Custodial and non-custodial wallet service for alternative currencies and assets.
Top 50 assets supported
Secure custody
NFT tokens
On-chain and off-chain transfers
Ecommerce checkout
Back office
Full-fledged back office system for 360° degree overview of your business.
Management
Data rich system with near real-time updates for enhanced business analytics and reporting. Can be synchronized with ERP systems or data analytics platforms to give even more reporting capabilities.
Reporting
Data rich system with near real-time updates for enhanced business analytics and reporting. Can be synchronized with ERP systems or data analytics platforms to give even more reporting capabilities.
Configurations
Prebuilt controls, workflows and validations allow changing most of the settings on the go without affecting the system performance.
Security & compliance
Organizational security
Velmie has implemented and maintains the organizational security policies under ISO 27001 which include physical and digital access management, network security, business continuity and backup practices, incident response and 3rd party risk management and others. We regularly conduct audits and risk assessments to understand and prevent any risks to our customers’ data.
Incident response
Velmie has established business continuity and disaster recovery procedures that we follow in the event of disruptions. In case of an incident, our clients get the necessary assistance under SLA with the regulated response and resolution times to ensure software availability.
Software security
Velmie regularly conducts penetration tests by our in-house engineers and with the help of external security researchers to ensure the software meets OWASP standards. Security is embedded into the development process used in our company. The code is checked by static analyzers to identify potential vulnerabilities. There are mandatory security tests performed by QA team to verify the code and CI/CD practices used by DevOps team to automate the testing and delivery of updates.
Infrastructure security
Single-tenant approach used by Velmie delivers greater security and data privacy compared to multi-tenant SaaS systems where companies’ data is not isolated. This feature also allows configuring hosting environments to meet the specific requirements of regulators. All data at Velmie is encrypted with TLS and AES-256-GCM and augmented with audit trails containing historical key data changes. The software platform also comes with numerous other security mechanisms such as API protection, Identity and Access Management (IAM), JWT-based authentication, DDoS protection, and Jail safety mechanisms.
Support
Ongoing support, maintenance and updates to succeed and scale.
SLA
Guaranteed performance, regulated issue response and resolution time under Service Level Agreement.
Dedicated team
Data rich system with near real-time updates for enhanced business analytics and reporting. Can be synchronized with ERP systems or data analytics platforms to give even more reporting capabilities.