Modular, scalable, white-label software that licensed fintech businesses use to run banking, payments and card programmes, bridging traditional finance and digital assets.
Novatum Pte. Ltd. builds and licenses software. It does not provide banking, payment, card, currency exchange or crypto-asset services; clients operate these under their own licences.
Our software lets licensed clients launch banking, payments, crypto and card services quickly on a microservices-based architecture. Each module operates as an independently deployable application with dedicated data storage, providing granular scalability, fault isolation and technology flexibility. Built API-first with JWT authentication and role-based access control, the platform supports white-label deployment and integration with the client's existing systems across cloud-agnostic infrastructure.
Core banking software for licensed institutions, supporting fiat and digital asset accounts with configurable multi-currency wallets, real-time transaction processing, automated reconciliation and secure beneficiary management.
Multi-rail payment software connecting ACH, SEPA, SWIFT, Faster Payments and blockchain protocols through unified APIs, with asynchronous processing, automated reconciliation and built-in regulatory reporting for PSD2/PSD3 compliance.
Conversion software for licensed clients supporting crypto-to-crypto, crypto-to-fiat and stablecoin swaps through automated and OTC execution models, with pre-trade compliance checks and real-time exposure monitoring.
Software to run virtual and physical card programmes, with crypto top-up, dynamic spend controls and instant issuance for individual and corporate use cases, operated by the client with its own issuing partners and scheme membership.
Merchant-facing software that lets licensed clients accept cryptocurrency and stablecoin payments through top-up channels, invoice-based collection, payment links and POS integration, with built-in AML screening.
Integrated CRM, AML transaction monitoring, reporting and analytics, document generation, multi-factor authentication, encrypted file storage and native mobile applications (iOS/Android) for the client's operations.
Explore our technology architecture in detail or discuss your specific requirements with our team.