Global Account — SaaS White Label platform

Thesis: the SaaS platform lets the partner bank offer, under its own brand, a global account that competes with international fintechs and with international credit cards — with predictable costs, transparent FX quotes and FXaaS settlement, without building correspondent banking from scratch.

1. Purpose of the document and the solution

This document sets out the conceptual and commercial pillars of a Global Account SaaS White Label platform for commercial banks — with particular attention to markets with deep regulatory asymmetries (including Angola, Cape Verde, Mozambique and corridors with Brazil).

It is a platform service (SaaS) — not a proprietary banking product. The partner bank embeds the solution in its ecosystem (app, internet banking and core banking) and offers end customers — individuals and companies — an international digital account in foreign currency (USD/EUR and other hard currencies), with the ability to send and receive funds to any country in the world, under the bank’s own brand.

Problem it solves

2. Value proposition and competitive advantages

2.1 For financial institutions (partner banks)

2.2 For end customers — contrast with the international card

A large share of overseas purchases and payments still runs on an international credit card. The issue is not only price — it is opacity.

2.3 Further benefits for the end customer

• Multi-currency: send, receive and save — global movement and hard-currency reserves, with near-real-time quote and FX lock via FXaaS.
• Worldwide reach (not Brazil-only) — any country supported by the FXaaS network. Brazil is a transit hub — not exclusive destination.
• Native experience — white-label UI with the partner bank’s brand, colours and copy; the customer stays in the bank app.
• Full transparency — fee, spread, FX rate and purpose code visible before confirmation.

2.4 Differentials versus alternatives

1. Not classic correspondent banking — no nostro/vostro account per bank per corridor.
2. Not generic fintech white label — the bank remains the local regulatory front; the Hub orchestrates; FXaaS settles.
3. Not remittance-only competition — also competes with the international card, where customer pain (cost + surprise) is sharpest.
4. Multi-country architecture — one Hub serves multiple jurisdictions with isolated tenants.

3. Business model (SaaS monetisation)

The model aligns technical and financial growth incentives between the SaaS platform and the partner bank (product owner toward the customer).

Setup Cost — fixed initial fee: core homologation, white-label customisation, security channels (mTLS/VPN), API stress testing and compliance onboarding (KYC/AML, purpose codes, reporting).

Transaction Fee — fixed or tiered percentage per successful FX, send, receive or cross-border settlement. Optional revenue share on spread and custody. End-customer pricing defined after commercial modelling.

3.1 Services included in the commercial plan (SaaS scope)

Setup and recurring operations cover the package that makes Global Account live under the partner brand — without the bank building every layer from scratch.

3.2 Transaction security and integrity

The platform adopts the same mechanisms digital banks use on cloud infrastructure (market standard, including AWS-class environments) to protect data and guarantee online transaction integrity:

4. Generative and multi-agent AI in cross-border compliance orchestration

Expanding Global Account services across markets with deep regulatory asymmetries — including Portuguese-speaking African jurisdictions (Angola, Cape Verde, Mozambique) and their corridors with Brazil — demands more than static compliance rules. To enable a safe, near-instant SaaS White Label operation, we embed a multi-agent AI architecture directly in the FXaaS orchestration hub.

Specialised agents and RAG architecture

Instead of slow manual checks or rigid IF-THEN systems, the platform runs autonomous cognitive agents in parallel:

Ingestion and regulatory-context agent (localised RAG)

Fed by knowledge bases continuously updated with each central bank’s rules (e.g. BNA FX guidelines in Angola, BCV rules in Cape Verde and BCB instructions in Brazil). It performs instant semantic retrieval to ensure the transaction’s nature is strictly aligned with permissions of the source and destination accounts.

Compliance validation agent (multicountry logic)

Orchestrates the flow by dynamically evaluating transactional limits, purpose codes and required documentation — tailored to each currency/country pair. If one jurisdiction requires evidence that another waives, the AI adapts the validation path in the API with no code redeploy at the partner bank.

Fraud detection and behaviour analysis agent

Analyses transactional patterns in milliseconds using machine-learning models and relationship graphs. It flags anomalies outside the end user’s baseline, preventing identity theft, money laundering (AML) and terrorist financing (CFT) before FXaaS settlement.

Practical benefits for partner banks

• Near-real-time decisions — intelligent orchestration evaluates risk, fraud and regulatory fit in under 2 seconds, keeping the end-customer experience instant.
• Sharp drop in false positives — AI contextualises the transaction from history and local rules, avoiding unnecessary blocks that create friction and support load.
• Immutable auditability — every decision produces an explainable AI trail, recording exactly which rule from which central bank justified approval or block of the remittance.

Informational document. Not a binding offer or legal, tax or regulatory advice. The Global Account is offered under the partner bank’s brand; the platform acts as a SaaS White Label provider. End-customer prices will be set after commercial modelling and volume/jurisdiction due diligence. · July 2026