Case Studies
From Licensed Entity to
Operational Infrastructure
Each client came with a licence, a corporate entity, and a vision. Unifin designed, implemented, and operationalised complete payment infrastructure for each.
Money Services Business — Multi-Currency, Multi-Rail
Multi-Rail Cross-Border MSB
A Canadian-licensed Money Services Business approached Unifin with a licence and a newly formed company, seeking to build a comprehensive cross-border payments platform. The client had a clear vision but lacked the operational infrastructure, compliance framework, and technology stack needed to execute across multiple payment rails.
Our Approach
Unifin designed and implemented the full infrastructure — from a bare-bones licensed entity to a fully operational multi-rail payments platform capable of processing SWIFT, FX, digital asset, and alternative payment methods across borders.
Development & Advisory Services
Software & Platform Advisory
- Advised on core payment processing platform architecture
- Recommended and evaluated technology vendors for payment gateway integration
- Guided selection of compliance and transaction monitoring software
- Advised on API design for multi-rail connectivity
Compliance & Regulatory Tools
- Designed AML/KYC compliance workflow and tooling requirements
- Advised on transaction monitoring system selection and configuration
- Structured reporting frameworks for FINTRAC regulatory obligations
- Implemented sanctions screening and risk-scoring methodologies
Payment Rails & Connectivity
- Established SWIFT connectivity for international wire transfers
- Integrated foreign exchange (FX) capabilities with competitive rate sourcing
- Enabled digital asset payment rails for seamless cross-border transactions
- Connected alternative payment methods for broader market coverage
Key Outcomes
Small Payment Institution — European Payment Infrastructure
SEPA & SWIFT Payment Institution
A Czech-licensed Small Payment Institution (SPI) came to Unifin with a valid licence and a corporate entity, but no operational payment infrastructure. The client needed to build a SEPA-connected platform from the ground up and establish SWIFT connectivity through Centrolink to serve European and international clients.
Our Approach
Unifin guided the full build-out of the payment infrastructure, from platform architecture and compliance tooling to direct SEPA connectivity and SWIFT integration via Centrolink, transforming a paper licence into a functioning European payment institution.
Development & Advisory Services
Software & Platform Advisory
- Advised on core banking/payment platform selection and architecture
- Guided integration of SEPA payment processing modules
- Recommended compliance and reconciliation software solutions
- Structured API layer for client onboarding and payment initiation
Compliance & Regulatory Tools
- Designed AML/CFT compliance framework aligned with Czech National Bank requirements
- Advised on transaction monitoring and suspicious activity reporting tools
- Structured KYC/KYB onboarding workflows for corporate and retail clients
- Implemented ongoing due diligence and risk assessment procedures
Payment Rails & Connectivity
- Established direct SEPA connectivity for euro-denominated transfers
- Created SWIFT connectivity through Centrolink for international payments
- Configured payment routing and settlement processes
- Enabled multi-currency account management capabilities
Key Outcomes
Virtual Asset Service Provider — Digital Asset Platform
Digital Asset Platform with vIBANs
An Estonian-licensed Virtual Asset Service Provider (VASP) approached Unifin with a licence and company structure in place, seeking to build a fully functional digital asset platform with virtual IBAN (vIBAN) capabilities. The client needed expert guidance on platform development, compliance architecture, and the integration of fiat-to-digital-asset rails.
Our Approach
Unifin designed and implemented the complete infrastructure — from platform development and compliance tooling to the technical integration of vIBAN services with digital asset exchange functionality, creating a seamless bridge between traditional banking and digital assets.
Development & Advisory Services
Software & Platform Advisory
- Advised on digital asset platform architecture and technology stack
- Guided integration of order matching engine and liquidity management
- Recommended wallet infrastructure and custody solutions
- Structured vIBAN issuance and management system design
Compliance & Regulatory Tools
- Designed AML/KYC framework compliant with Estonian FIU requirements
- Advised on blockchain analytics and transaction monitoring tools
- Structured Travel Rule compliance for virtual asset transfers
- Implemented risk-based approach for customer due diligence
Payment Rails & Connectivity
- Integrated virtual IBAN (vIBAN) services for fiat on/off-ramp
- Enabled multi-asset trading pairs and settlement
- Connected banking partners for fiat deposit and withdrawal channels
- Established secure API connectivity for institutional clients
Key Outcomes
Correspondent Banking — International Financial Institutions
USD Correspondent Banking Platform
A US-based financial services company sought to build a correspondent banking platform serving international financial institutions in USD. The client needed consulting on platform architecture, compliance flow design, business development strategy, and the addition of FX capabilities to serve a global client base.
Our Approach
Unifin provided strategic consulting across all dimensions of the platform build — from technology and compliance to business development and FX integration. The engagement resulted in a fully operational correspondent banking platform serving over 40 financial institution clients worldwide.
Development & Advisory Services
Platform & Architecture Consulting
- Consulted on correspondent banking platform architecture and design
- Advised on multi-tenant infrastructure for serving diverse FI clients
- Guided integration of USD clearing and settlement systems
- Recommended technology stack for high-volume transaction processing
Compliance Flow Design
- Designed end-to-end compliance workflow for correspondent banking operations
- Structured KYB/EDD processes for financial institution onboarding
- Advised on BSA/AML compliance framework and SAR filing procedures
- Implemented transaction monitoring tailored to correspondent banking risks
Business Development & FX
- Assisted with business development strategy and FI client acquisition
- Added foreign exchange (FX) capabilities for multi-currency services
- Supported partnership development with banking and payment networks
- Grew client base to over 40 international financial institutions
Key Outcomes
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