The Platform
The financial core behind your operations
Elcoin brings the ledger, accounts, client information, operational workflows and user interfaces into one financial operating environment. Specialist services - such as banking, payments, compliance, cards and digital-asset infrastructure - connect to that core through APIs and integrations.
What lives inside Elcoin
Financial Core
Ledger and accounting, account structures, products, treasury, nostro and foreign exchange.
Operations
Client and counterparty records, payments, workflows, rules, approvals, correspondence and reporting.
User Interfaces
Internet Banking and Mobile App for customers; Web ABS and CRM for internal teams
Connectivity
Secure APIs, financial messaging, webhooks and integration channels connect external providers and applications.
One transaction.
One operational record.
One financial result.
A payment or FX transaction may use an external provider for execution, but Elcoin keeps the client, account, workflow, status, accounting entries and resulting balances connected throughout the process.
Elcoin provides
The system of record and operating logic: ledger, accounts, products, client data, workflows, treasury, FX, reporting and interfaces.
Elcoin connects to
Banks, payment rails, compliance services, card infrastructure, liquidity providers, digital-asset services and other specialist systems.
One financial record from transaction to company-wide position
Elcoin connects customer activity, accounting, treasury and product structures within the same financial core - giving the
institution a current, traceable view of its financial position.
Real-time financial position
Balances update as activity is recorded across customer accounts, bank and nostro positions, FX exposure and internal accounts - supporting an up-to-date view of company balance and capital.
Financial & regulatory reporting
Financial reports can be generated from core data, while structured reporting required by local authorities can be configured and automated.
Automated accounting &
reconciliation
Financial events can generate accounting entries automatically. Reconciliation and audit trails connect reported balances back to the underlying transaction.
Controlled daily close
A formal end-of-day process establishes and protects the financial position for each business day, preserving historical integrity.
Flexible multi-currency accounts
Customer, settlement, treasury and internal accounts operate within one account model across supported currencies.
Configurable product engine
Products can be configured around the institution's operating model while remaining directly connected to accounts, workflows and accounting.
Live account position
Each account maintains its current financial state, allowing operations and finance teams to understand the position without reconstructing it from separate systems.
Precision for fiat & digital assets
Decimal precision and rounding can be configured for different currencies and assets, including high precision digital assets.
Ledger &Accounting
Ledger & Accounting
From onboarding to payment execution - one operational
record
Elcoin keeps the client relationship and the financial activity it generates connected throughout the lifecycle, reducing the
need to reconstruct context across separate systems.
Digital onboarding
Online onboarding for individuals and legal entities, with data and document collection, verification, internal review and approval workflows.
One client record
Client information remains connected to accounts, products,
transactions, documents, related parties and operational history.
Documents & full correspondence
Authorized teams can view supporting documents and the complete communication history with the client in the context of the financial relationship.
Controlled servicing workflows
Onboarding, reviews, restrictions, approvals and servicing processes can be managed through role-based workflows, with external KYC/KYB/AML services integrated where required.
Unified payment processing
Customer, treasury, supplier, FX and card-scheme payment activity can be classified and managed within one processing environment.
Inward, outward & internal
Support incoming payments, outgoing payments and internal transfers between accounts within the same institution.
Routing & straight-through processing
Configurable workflows connect validation, screening, approval, routing, external execution, status handling and financial posting - with manual exception paths where required.
Standards, status & control
ISO 20022 and SWIFT MT/MX messaging, transaction-status
visibility, segregation of duties and ledger posting support controlled end-to-end processing.
CLIENTS,
COUNTERPARTIES & OPERATIONS
PAYMENTS & WORKFLOWS
Know where liquidity is, where it is heading, and what currency risk it creates
Treasury and FX activity is connected to the same ledger and payment environment, giving teams a current view of liquidity,
planned movements and currency exposure.
Treasury & Nostro
Foreign exchange
Current & prospective balances
Combine current nostro positions with planned payment activity to see expected intraday liquidity before transactions are executed.
Intraday liquidity control
Adjust value dates, redistribute funds between nostro accounts or suspend planned activity when projected positions require intervention.
Banking-partner parameters
Maintain fees, cut-off times, limits, restrictions and other partner- specific information that can inform treasury and payment-routing decisions.
Controlled treasury movements
Treasury deals support defined authorization, valuation, settlement and closure workflows, while reporting supports liquidity and capital monitoring.
Rates & customer pricing
Manage market FX rates, connected rate sources and customer pricing within the platform.
Position & exposure monitoring
Track currency float and open positions as customer activity occurs, providing an up-to-date view of FX exposure.
Automated hedging
Where configured, customer-driven exposure can be offset automatically through trading based on predefined risk thresholds.
Netting & settlement
FX deals can be authorized, valued, netted and settled through controlled workflows, with FIX, REST-based or offline execution models supported.
Connect the ecosystem without making any provider the core
External services and customer channels connect to the same underlying financial records, allowing providers and interfaces to evolve while the core remains consistent.
APIS & INTEGRATIONS
USER INTERFACES
Secure API layer
REST APIs and an API gateway expose authorized data and business processes while protecting direct access to the underlying financial database.
Access control
API keys and access tokens, including OAuth-based authentication where applicable, can be issued, enabled, disabled or revoked.
Event-driven integration
Webhooks, asynchronous messaging and process APIs allow
connected systems to react to client, payment and workflow events without constant polling.
Provider independence
Banks, payments, compliance, card, FX, liquidity and digital-asset services can participate in Elcoin workflows while the ledger and operating logic remain in the core.
Internet Banking
Secure online banking for individual and business customers,
enabling them to manage their financial relationship remotely without visiting a branch.
Mobile Application
Secure iOS and Android access. Where digital-asset services are offered, fiat and digital-asset balances can be presented within the same customer experience
Web ABS
The browser-based operational workspace for authorized
accountants, operators and treasury teams, with access defined by role and responsibility.
CRM & Client Support
A consolidated workspace for support teams, bringing client information, service history and correspondence into one interface.
Controls designed for regulated financial operations
Elcoin combines information-security governance, controlled access, operational discipline, traceability, defined service availability and recovery procedures in one operating framework.
ISO 27001
99.89%
99.95%
Certified information-security management framework.
Normal Availability SLA
High Availability SLA
Authentication & role-based access
Auditability & historical integrity
Validation & exception handling
Segregation of duties
Backup, recovery & continuity
Controlled configuration
Let’s Build What Comes Next
Whether you are launching a new financial product, modernizing existing operations or transforming your technology platform, Elcoin will work with you to define the right solution and a practical path to implementation.
Tell us what you want to build, simplify or transform.
The Platform
Resources
© 2026 Elcoin Inc. All rights reserved.
Elcoin Inc. operates the Elcoin brand in the United States under license from Elcoin Ltd.
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