Banking Architecture Global
Operating internationally requires more than just an IBAN account. Blocked funds and bank de-risking are the biggest threats to your cash flow. At Paynfinity we are not a bank, we are your key to access. We design a redundant network of Tier-1 accounts, EMIs and payment gateways to ensure that your business can collect, convert and move capital in any currency, even in complex sectors (High-Risk).
Corporate Bank Accounts
Direct access to traditional Tier-1 banking (USA, Switzerland, Singapore, UK). We manage the Pre-Approval and the Compliance to open multi-currency operating accounts with own IBAN in highly rated institutions.
Personal Bank Accounts
Private Banking Solutions and Wealth Management for members. Diversify your personal wealth in safe jurisdictions, protecting your savings from local instability or inflation.
High-Risk Bank Accounts
Is your sector (Crypto, Forex, Gaming, Adult) rejected by traditional banks? We have agreements with specialised entities that understand your business model and accept your risk profile.
Merchant Accounts (MIDs)
Migrate your tax domicile without losing seniority. Move your legal domicile to a favourable jurisdiction while maintaining your legal personality and bank accounts.
Payment Gateways
Get your own Merchant ID (MID). Enable straight-through processing of credit/debit cards on your website with multi-currency settlement, reducing withholding and rolling reserves.
Electronic Money Institutions (EMI)
The technology behind payment collection. We integrate high-performance payment processors (Stripe, PayPal, and private alternatives) optimised to reduce rejection rates and accept local payment methods.
The End of Banking Frontiers
Traditional banks penalise what they don't understand. If your business is digital, international or high volume, local banks see ‘risk’ where we see growth. Don't let a Compliance obsolete freeze your turnover.
We create a redundancy architectureNever rely on a single IBAN. We deliver a connected ecosystem where you can receive USD in the US, pay suppliers in China and settle profits in Europe instantly, ensuring your cash flow never stops.
Onboarding Process Global Financial
Profile Audit
Before contacting the bank, we analyse its business model and transaction volume. We detect ‘red flags’ (compliance risks) and address them proactively.
Entity Selection
We don't shoot at everything that moves. We filter our partner network to select only those banks or EMIs that accept your sector (High-Risk, Crypto, E-commerce) and currencies.
KYC processing
We prepare the Due Diligence. We draft the economic reports and organise the corporate documentation to present a flawless dossier to the compliance officer.
Access Delivery
Final activation. Once the account is approved, we set up the online banking, issue the corporate cards and perform a test transfer to validate operability».»