Topos' technology is developed and constantly improved to serve one goal: bring the most advanced digital banking solutions to the underserved, thus integrating them with the global financial ecosysyem.
Our agent banking platform can be easily integrated with existing financial infrastructure and deployed via a network of ultra-local agents to the furthest areas of any territory, even where there is no internet connection.
Thanks to our global settlement layer and a network of escrows disseminated around the world, Topos intercepts money remittances at the point of origin and credits them as savings for the beneficiaries.
Topos removes the financial barriers in local underserved communities and provides them the banking capabilities to turn international funds and remittances into structured and sustainable financial products.
Compliance ready technology easily integrated into any interbanking infrastructure
Hosting on-prem or on-cloud
Agency and sub agency network management
Multicurrency and FX management modules
Fully fledged banking offering: interest bearing savings account, checking accounts, collateralized and uncollateralized loans, CICO, payments
Credit scoring engines
Multichannel, native USSD protocol compatibility
Additional services can be built on top
Escrow accounts for off-shore collateralization
Collection of remittances and funds
Local disbursement management
Global risk assessment and management