Fintech

In the new era of competition, innovation, and productivity it is time to embrace the opportunity of bringing fintech solutions to an increasingly digital consumer. Our custom fintech solutions assist businesses by providing them with better cash flow, improved working capital management and an increased access to stable secure funding.

Our expertise

Corporate Finance
Personal Finance
Blockchain
Security & Compliance
Intergrations

01

Corporate finance

Open Dropdown

Billing & Payments

We offer a range of billing & payment options for you products. Our solutions handle card payments, bank transfer or cryptocurrency transfers, allowing you to bill your customers and accept one-time or scheduled payments through dashboards, storefronts, and payment forms.

Gateways
Accept payments directly or via a third-party service
Authorization
Authorize and verify bank account owners and transfers
Cryptocurrencies
Accept and transfer cryptocurrencies via exchanges
Cross-Border FX Transfers
Perform cross-border payouts via wire transfers or direct debit

Trading & Exchange

We create custom exchange platforms and trading desks for any digital or fiat currencies. We spice them up with multi-currency wallets that allow to easily store and transact across currencies, and secure storages to keep funds locked up and prevent any unauthorized access.

Crypto & Fiat Currencies
Integrate any possible currency pairs & enable easy sale and purchase
Business intelligence
Enjoy extensive drill-down reporting of key trading data in real time
Security tokens
Providing investors with an option to diversify their portfolio
P2P enablement
Set-up a P2P marketplace with the ability to trade safely on a global level

Risk & Fraud Management

Fortify your processes and systems against known threats. Our custom risk & fraud management solutions mitigate the risk of chargebacks and scam, centralising alerts, events, analytics and reporting in a single platform.

3-D Secure
Improve the security
of online payments
Know your Customer
Verify identity and
prevent its theft
Transaction Risk Scoring
Stay compliant with
AML/CTF rules
Chargeback Protection
Detect high risk card-not-present transactions

Online Banking

We deliver online banking solutions that improve retention and enhance experience by enabling your customers to pay bills, transfer money, and access transaction records from home and on the go.

Online Balance & Activities
Provide online access to current balance and transaction data
Authorization
Let your customers have fewer things they need to juggle every month
Transaction Reporting
Enable your users to view, categorize and analyze transaction history
eStatements
Provide paperless statements
with endless history

P2P lending & Microcredits

Enable lenders to earn higher returns and borrowers to get money at a lower interest rate with our custom P2P lending solutions. We deliver products that source and fractionalize loans, attract prospective borrowers, assess risks, support deals, and automate all P2P lending workflows.

Counterparties Profiling
Evaluate borrower/lender
relationship information
Risk Management
Score credits and calculate provision pool automatically
Reporting
Retrieve information on all the payables and receivables
Decision Facilitation
Identify patterns and make informed lending decisions

Billing & Payments

We offer a range of billing & payment options for you products. Our solutions handle card payments, bank transfer or cryptocurrency transfers, allowing you to bill your customers and accept one-time or scheduled payments through dashboards, storefronts, and payment forms.

Gateways
Accept payments directly or via a third-party service
Authorization
Authorize and verify bank account owners and transfers
Cryptocurrencies
Accept and transfer cryptocurrencies via exchanges
Cross-Border FX Transfers
Perform cross-border payouts via wire transfers or direct debit

Trading & Exchange

We create custom exchange platforms and trading desks for any digital or fiat currencies. We spice them up with multi-currency wallets that allow to easily store and transact across currencies, and secure storages to keep funds locked up and prevent any unauthorized access.

Crypto & Fiat Currencies
Integrate any possible currency pairs & enable easy sale and purchase
Business intelligence
Enjoy extensive drill-down reporting of key trading data in real time
Security tokens
Providing investors with an option to diversify their portfolio
P2P enablement
Set-up a P2P marketplace with the ability to trade safely on a global level

Risk & Fraud Management

Fortify your processes and systems against known threats. Our custom risk & fraud management solutions mitigate the risk of chargebacks and scam, centralising alerts, events, analytics and reporting in a single platform.

3-D Secure
Improve the security
of online payments
Know your Customer
Verify identity and
prevent its theft
Transaction Risk Scoring
Stay compliant with
AML/CTF rules
Chargeback Protection
Detect high risk card-not-present transactions

Online Banking

We deliver online banking solutions that improve retention and enhance experience by enabling your customers to pay bills, transfer money, and access transaction records from home and on the go.

Online Balance & Activities
Provide online access to current balance and transaction data
Authorization
Let your customers have fewer things they need to juggle every month
Transaction Reporting
Enable your users to view, categorize and analyze transaction history
eStatements
Provide paperless statements
with endless history

P2P lending & Microcredits

Enable lenders to earn higher returns and borrowers to get money at a lower interest rate with our custom P2P lending solutions. We deliver products that source and fractionalize loans, attract prospective borrowers, assess risks, support deals, and automate all P2P lending workflows.

Counterparties Profiling
Evaluate borrower/lender
relationship information
Risk Management
Score credits and calculate provision pool automatically
Reporting
Retrieve information on all the payables and receivables
Decision Facilitation
Identify patterns and make informed lending decisions

02

Personal finance

Billing & Payments

We offer a range of billing & payment options for you products. Our solutions handle card payments, bank transfer or cryptocurrency transfers, allowing you to bill your customers and accept one-time or scheduled payments through dashboards, storefronts, and payment forms.

Single View
Organize your income, expenses, payments, and invoices in one place
Reporting
Get a birds-eye view over your finance and identify cash flow trends
Connectivity
Connect multiple bank accounts and import transactions
Automation
Automatically calculate VAT and payroll taxes

Investment management

Paralect delivers integrated multi-currency investment management solutions that provide consumers with accurate and timely information and visualization to support their financial, transactional, processing and reporting needs, while giving them an informational edge to make informed investment decisions.

Performance Measurement
Track performance of your returns over time periods in various currencies
What-if Analysis
Simulate market conditions to analyze the probability of each possible outcome
Risk Analytics
Analyze the risk involved in associated investment decisions
Complex Fee Calculation
Make investment costs transparent even in the most complex scenarios

Budgeting & Finance management

Allow your users to track accounts, statements, stocks, shares, balances, loans, mortgages, and values from multiple institutions within a single view. Our custom budgeting solutions help individuals organize and manage their personal and family finances to get the most out of their assets.

Bill Tracking
Track bills and get alerts when it’s time to pay
On-the-go Access
Manage assets wherever you are
Personalization
Get personalized financial tips and advice
Goal Planning
Plan ahead and know the effect of your spending decisions

03

Blockchain

Smart contracts
Verify data-driven relationships and outcomes with smart contracts. Use-cases from supply chain tracking to gaming or gambling. Support your business operations or automate financial agreements with blockchain enabled smart contracts.
Cryptocurrencies
Digital currencies work as a reliable medium of exchange where fiat money fails. Flexible payment systems, DAO architecture opens your startup to new opportunities via crowdfunding or shared ownership.
Digital identity
Verify data-driven relationships and outcomes with smart contracts. Use-cases from supply chain tracking to gaming or gambling. Support your business operations or automate financial agreements with blockchain enabled smart contracts.
Web 3.0
From NFT minting to prototyping token-powered video sharing platforms, Web3 offers better ways to engage communities around new products. Whatever your vision for the metaverse, our R&D team is ready.

04

Security & Compliance

We deliver solutions that comply with financial industry standards and regulations. Through continuous training and audit processes our partners launch and grow products compliant with PCI, MISMO, IFRS.

Continuous & Timely Updates
Guarantee constant system updates by utilizing modern DevOps practices and tools
Encryption & Tokenization of Sensitive Data
Comply with international standards by encrypting sensitive data on the application level while providing a secure, convenient interface to clients.
Infrastructure Security
Ensure server and networking privacy and security, implement database and logs encryption for cloud native applications.

05

Integrations

We enable third-party financial solution integration to supplement your product with ready-made functionality, including multiple payment types, multi-currency and cryptocurrency support, exchange option, and cross-border payments.

THERE ARE LOTS OF THEM

Fintech case studies

Tell us about your startup and Kate

or Konstantin

will contact you soon

Tell us about your startup and Kate or Konstantin will contact you soon

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