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ANANKAI Wallet & Payments Platform

A managed cloud SaaS platform for digital banking — onboarding, KYC/KYB, payments and cards in one place.
Run your fintech on a single, white-labelled core — from EMI institution down to retail customer.
250k+
Lines of code
28+
Cloud services
12
Currencies (FX)
iOS+Android
Mobile apps
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Why this product exists

The problem we solve

Most fintechs glue together six SaaS tools — onboarding, KYC, ledger, payments, cards, compliance — and end up owning the integration risk between every one of them. Releases get blocked. Audits get painful.

ANANKAI is the unified core: white-label onboarding, automated KYC/KYB, multi-currency accounts, GBP/SEPA/SWIFT payments, prepaid & debit cards, fee engine, role-based security and full audit — all on one microservices, serverless, containerised platform.

Built and operated by CFS-Zipp Technologies (UK / Europe / USA / India). Live since 2019. Continuously evolved through Wallet V1 → V2 → multi-currency → FX → cards → KYC v2 → entity lifecycle. You get a battle-tested platform, not a side project.

Capabilities

Every workspace, mapped

A guided tour of what ANANKAI Wallet & Payments Platform ships with — every screen, every workflow, every integration point.

Onboarding

  • White-label onboarding for agents and sub-agents
  • Self-directed flows for corporates and individuals
  • Full lifecycle for entities (hold / withdrawal / termination)
  • Document & ID uploads with X-eye approvals

KYC / KYB

  • Fully automated KYC and KYB workflows
  • Voluntary & forced KYC renewals (full lifecycle)
  • PEP, sanctions and adverse-media screening
  • Choice of preferred verification providers
  • API integration for PEP / adverse media (since Mar '23)

Accounts

  • Real and Virtual IBANs
  • Any currency supported (multi-currency)
  • Full lifecycle (suspend / close / change)
  • Account groups and user-group mapping

Payments

  • GBP schemes — FPS, CHAPS, BACS
  • SEPA-SCT for EUR
  • SWIFT for multi-currency international
  • FX across 12 multi-currencies (fixed-side sell)
  • Bulk uploads and bulk approvals
  • Outbound transaction monitoring (AML/TF)

Cards

  • Prepaid and Debit cards (v1 rolled out Nov '23)
  • Cards attached to IBANs for spending controls
  • Cards for corporate staff and individual customers
  • Statements and reports for cards

Pricing & fees

  • Customisable price list per client
  • Granular pricing — entity, corporate, IBAN level
  • By scheme, type and currency
  • Automatic fee collection & fee-sharing
  • Percentage, min/max, fixed-fee models

Security & access

  • Role-based menu & account-group access
  • MFA with deactivate (lost-device protection)
  • Disable / lock user access
  • WAF firewall & per-agent access controls
  • Full audit of state changes & approvals
  • ReCAPTCHA bot protection

Hub & Spoke design

  • EMI → Programme Manager → Corporate / Retail
  • Optionally many white-label Programme Managers
  • Add corporates & retail under each agent
  • Single portal to manage every sub-agent

API Gateway & Webhooks

  • API gateway v2 with data validation
  • Automatic webhook retry for 24 hours
  • API reports & analytics
  • Mobile app (iOS & Android) on top of APIs

Reports & compliance

  • PDF and XLS statements on demand
  • Audit & compliance reports
  • KYC aging report
  • Governance, Compliance & Reporting module
  • User login auditing

Alerts & notifications

  • Broadcast notifications to customers
  • Staff alerts on login
  • Pending approvals queue at each level
  • Payment notifications (since Jan '24)

In-app help

  • Video tutorials inside the app
  • PDF documentation alongside
  • Help menu surfaced contextually
Use cases

Who gets value, and how

Launch a new EMI

Stand up a fully-functional digital-banking core in weeks — onboarding, KYC, accounts, payments, cards — without integrating six vendors.

White-label for agents

Each Programme Manager runs their own branded portal on top of your EMI, with isolated customers, pricing and approvals.

Replace a legacy core

Migrate retail and corporate customers off a fragile in-house ledger onto a microservices core that scales with you.

Add cards to an existing wallet

Plug ANANKAI Cards (prepaid + debit, IBAN-attached) into your existing accounts — with full statement & reporting flow.

Multi-currency for cross-border

Offer 12-currency wallets, SEPA-SCT, SWIFT and FX to corporates moving money across Europe, UK and beyond.

Compliance-grade fintech

Automated KYC/KYB, PEP & adverse-media screening, transaction monitoring, X-eye approvals — audit-ready from day one.

Built for

Designed for these teams

E-money Institutions (EMIs)

Programme Managers / White-label agents

Corporate banking customers

Retail / individual customers

Payment service providers

Fintech start-ups scaling to compliance

Value

Why customers pick ANANKAI Wallet & Payments Platform

Unified core

Onboarding, KYC, accounts, payments, cards and compliance on one platform — one vendor, one release cadence.

Hub-and-spoke ready

EMI → Programme Manager → Corporate/Retail. Acquire and grow without touching the underlying brand or customer base.

Compliance built in

PEP/adverse-media screening, AML/TF transaction monitoring, X-eye approvals and full audit — out of the box.

Multi-currency, multi-scheme

GBP (FPS/CHAPS/BACS), EUR (SEPA-SCT), SWIFT and FX across 12 currencies — coverage you don't have to build.

Mobile + web

iOS and Android apps alongside the desktop portal — same APIs, same data, same controls.

AI on the roadmap

Custom GPTs for onboarding decisioning and pre/post-transaction monitoring based on hyper-specific customer patterns.

See ANANKAI Wallet & Payments Platform in action

Book a live walkthrough — we'll demo ANANKAI Wallet & Payments Platform against your real scenarios.

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