An enterprise-grade digital banking and payment platform—the bridge connecting TradFi and Web3.0.
Microservices architecture, comprehensive banking modules, flexible custodial/self-custodial asset support, multi-chain/multi-currency capabilities, security & compliance, and highly scalable.
Built on a mature microservices architecture, ensuring robust scalability and high availability. Featuring a modular design, each functional module can be deployed and upgraded independently. It supports elastic scaling to meet the demands of financial institutions of any size.
Encompasses core ledger/accounts, currency exchange, CRM, eKYC/AML, wealth management, credit management, card management, risk control, reconciliation & settlement, operations, and asset management. It supports diverse business scenarios including deposits, acquiring, transfers, exchange, withdrawals, wealth management, credit, and card issuance.
Flexibly supports cutting-edge custody technologies such as HSM, MPC, and EVM AA (Account Abstraction). Empowers users to either safeguard their assets with licensed custodians or maintain absolute self-custody over their funds.
Hong Kong's first commercial-scale implementation of ERC-4337 Account Abstraction. Eliminates the friction of seed phrases and gas fees, allowing users to execute crypto transfers with just a password—delivering a seamless, Web2-like user experience. Coupled with Zero-Knowledge Proof (ZKP) social recovery mechanisms, it ensures absolute asset security.
Supports seamless login via phone numbers or emails, completely removing the need to memorize complex seed phrases or private keys. Users simply set a password to begin, drastically lowering the barrier to entry for crypto payments.
Supports mainstream public blockchains such as Ethereum, BSC, Polygon, Solana, Cosmos Hub, and Bitcoin, alongside major cryptocurrencies including USDT, USDC, ETH, BNB, and POL, satisfying diverse payment scenarios.
Features a mature online eKYC workflow where low-risk clients can complete onboarding in under 5 minutes, while high-risk profiles automatically trigger Enhanced Due Diligence (EDD). The CRM system delivers enterprise-grade capabilities including individual/corporate client management, multi-level approval workflows, channel management, and Role-Based Access Control (RBAC).
Supports a dual-mode operational model (fiat and crypto stablecoins). Product features and business workflows can be flexibly configured to meet regulatory mandates and strategic goals. Offers a rich suite of APIs and SDKs for seamless integration with existing legacy systems.
Comprehensive Digital Banking & Payment Components
Supports multi-currency account management, account hierarchies, balance inquiries, and transaction histories.
Individual and corporate client management, multi-level approval workflows, channel management, RBAC, and client tagging/segmentation.
Online identity verification, risk assessment, Enhanced Due Diligence (EDD), regulatory reporting, and transaction monitoring.
Financial product configuration, NAV management, subscription/redemption, dividend calculation, and portfolio management.
Loan application & approval, credit assessment, repayment management, delinquency handling, and risk pricing.
Real-time risk monitoring, fraud detection, transaction limit management, and anomaly identification.
System configuration, parameter management, statistical reporting, log auditing, O&M monitoring, external channel/account maintenance, and fund inflows/outflows.
Card issuance, account management, limit management, clearing & settlement, log auditing, and O&M monitoring.
Comprehensive coverage across digital banking, full payment lifecycles, C2B, C2C, B2B, and offline offline scenarios.
Provides a complete digital banking core system solution for licensed banks and financial institutions, covering end-to-end functionalities such as account management, payment clearing, and risk & compliance.
Supports crypto payments from global Web3.0 wallets. Merchants can rapidly integrate via clean APIs to enjoy T+0 instant settlement. Ideal for e-commerce platforms, independent branded stores, and social commerce.
Supports offline retail collections, allowing consumers to complete crypto payments simply by scanning a QR code. Ideal for retail, F&B, tourism, and entertainment sectors.
Delivers single-transaction fast remittance, supporting intra-bank or cross-bank transfers. Compliant with regulatory limits and purpose mandates, fully supporting SWIFT or CIPS networks.
Supports diverse cross-border B2B payment scenarios, resolving traditional pain points like long settlement cycles, high fees, and cumbersome procedures. Meets the declaration requirements of various jurisdictions and enables the blockchain-based storage and verification of trade background materials (e-commerce orders, contracts, invoices, bills of lading).
Ideal for platform-based enterprises (e.g., freelancer networks, content creation platforms, gaming platforms) requiring rapid profit distribution and settlement. Supports large-scale, high-frequency batch payouts.
Supports wealth management products based on fiat and crypto stablecoins. Features include product configuration, NAV management, subscriptions, dividends, and redemptions.
Ideal for content creators, NGOs, and KOLs to receive crypto donations and tips from global fans, drastically lowering the barriers and costs of cross-border transfers.
Empowers enterprises to easily build self-custodial wallets featuring rapid SDK integration, white-label customization (company logo), clean APIs, gasless transactions, and rich scenarios like fiat On-ramp/Off-ramp.
Target Audience and Scenarios
When banks or financial institutions wish to enter the Web3.0 market and expand crypto operations. Start with the core banking modules of the SPARK Platform, combined with the eKYC and CRM systems to build a compliant digital banking service.
When rapidly building dual-mode payment capabilities (fiat + crypto) is required. Start with the rapid integration of the SPARK Platform payment module to deliver features like Web3.0 merchant acquiring.
When institutions require solutions tailored to specific jurisdictional regulations. The embedded KYC/AML compliance modules and flexible configuration capabilities of the SPARK Platform can adapt to diverse regulatory environments.
Contact us today and let us accelerate your FinTech transformation.