Your Solution. Enabled.

Leveraging YAPEAL’s Digital First platform, both banks and non-banks can develop their own embedded finance value chains and customer journeys, fully compliant with the regulations set by the Swiss financial authority, FINMA.

Core service modules of YAPEAL

Accounts

  • Self-sovereignty in real time.

  • The YAPEAL Client ledger is highly flexible and customizable. 

  • Contracts define the ownership and are linking the entities together. 

  • Accounts can store any kind of assets and provide a wide range of metadata like (IBAN, V-IBAN, currency, digital tokens, …) 

  • Personalised IBAN- CH2183019YOURIBAN0001

  • All transactions are processed in real-time based on a scalable and event driven architecture. Sync with e.g. ERPs Accounts instantly = realtime CFO 

Cards

  • Self-sovereign
    Become self-sovereign and take advantage of YAPEAL’s unique benefits to define and control your own Card Programs.

  • Embedded finance
    With YAPEALs real-time-cards services for Banks and no-Banks, you can build your own outstanding embedded finance customer journeys.

  • Most modern technology
    YAPEAL’s CaaS has been built from scratch as a cloud-native technology and gives you the freedom to be independent of the shackles of legacy card systems.

  • Easy to be integrated
    Integration done easy with YAPEAL’s REST API platform.

Payments

  • Instant by design
    The YAPEAL payment engine is an event driven instant payment system. No batch processing.
  • Always Online
    No day end processing required, 24/7/365 online. No downtime for upgrades or maintenance.
  • Payment Network integrations
    Generic payment orders will be processed through adaptors to create the payment format of the target payment rail. 

 

Instant Payments Platform

  • Instant closed-loop Payment (on-us)

    • No Scheme fees etc.

    • 24/7/365 realtime

    • Peer-to-peer

  • Realtime holistic view

    • Instant payments

    • Instant card transactions

Identification / KYC

  • Identify your customers in an instant.

  • With Ident, your customers can identify themselves around the clock and within seconds.

  • A fully digital onboarding that meets FINMA regulations.

  • Digital onboarding process according to “FINMA RS 2016/7 Online Identification”. 

  • Supported legal forms: Sole proprietorship, Simple partnership, Foundations, Limited companies, Public limited companies, Body corporate.

Monitoring & reporting

  • Cockpit with powerful real-time monitoring and reporting capability for any customer and product.
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