What is Validat? Your All-in-One Fintech Solution

Introduction

Are you looking to revolutionise your financial operations with a platform that combines innovation and dependability? Welcome to Validat, a top-tier fintech platform delivering seamless banking and payment solutions to businesses worldwide. Our cloud-based, modular system is engineered for efficiency, compliance, and real-time financial oversight, positioning us as the ideal partner for your growth journey. In this blog post, we will unpack how the Validat fintech platform equips you with essential banking features, cutting-edge compliance tools, and powerful integrations, accommodating both traditional fiat and cryptocurrency transactions. Let’s explore how we can elevate your business through financial innovation.

What is Validat?

Validat is a comprehensive fintech platform built to simplify the complexities of today’s financial world. Hosted on a flexible, cloud-based framework, we streamline banking, payments, and compliance, empowering businesses to succeed in a competitive global market. Whether you need to manage multi-currency transactions or ensure regulatory compliance, our integrated financial platform adapts to your needs with ease and precision.

Core Banking and Seamless Integrations

Our core banking platform ensures your operations remain fluid and adaptable. Here’s what Validat brings to the table:

• Multi-Currency Wallets: Effortlessly manage funds across multiple currencies without hassle.
• IBANs and VBANs: Generate International Bank Account Numbers and virtual bank accounts for flexible financial control.
• Named Accounts: Set up customised accounts for your clients or internal teams.

We link you to 15 prominent payment networks, guaranteeing global accessibility and operational smoothness. These include:

• SEPA: Swift and secure EUR transactions throughout Europe.
• SWIFT: Reliable international payments for cross-border banking.
• CENTRAL LINK: Direct connections to central banking systems for compliance and efficiency.
• Cryptocurrency Networks: Handle crypto wallets with instant internal transfers and smooth fiat-to-digital transitions.

These connections enable you to navigate financial ecosystems effortlessly, whether dealing with conventional currencies or tapping into the growing world of digital assets.

AML Compliance & Fraud Detection

Validat’s cutting-edge compliance module is designed to tailor regulatory frameworks to your needs, offering:

• Cutting Edge AI-Fraud & AML Risk Detection: Customisable rules, blacklists, and checks are integrated with AI-driven system learning to reduce false positives. Real-time screening and reporting of suspicious transactions are supported by a comprehensive audit trail.
• AI-Enhanced Anomaly Detection: Our system quickly adapts to changing regulations and emerging fraud patterns, ensuring continuous adherence to legal standards while proactively preventing fraud.
• Unlimited Precision in Rule Customisation: With pre-defined settings and the ability to create custom rules without coding, you can test rules in dry-run mode using historical and live data before deployment.
• Comprehensive Compliance & Security Screening: Our solution covers AML, sanction screening, adverse media, fraud, and PEP checks to protect against legal and reputational risks.
• Enhanced Team Efficiency: Consolidate checks into a single workflow to streamline case management, improve interdepartmental collaboration, and ensure clear KPI reporting.

These capabilities ensure that your institution maintains robust AML compliance while reducing fraudulent losses and safeguarding customer funds. Discover more on our Compliance, AI Fraud and AML Risk Detection page.

Banking, Reconciliation & Liquidity Management

Our comprehensive reconciliation module cuts operational costs by centralising all necessary data in one place through pre-built integrations. This approach allows institutions to:

• Achieve high STP rates and streamline workflows.
• Implement real-time reconciliation and balance reporting to promptly resolve issues such as duplicate transactions, unaccounted payments, and ad-hoc charges.
• Access an intuitive dashboard for robust liquidity management, complete with detailed audit trails and customisable user profiles.
• Eliminate the need for traditional online banking platforms by integrating local and international bank balances into one view.
• Enhance digital currency management by efficiently opening, managing, and closing multiple wallet types in real time.

This integrated platform not only reduces reliance on spreadsheets and manual processes but also boosts overall business productivity by automating workflows and improving staff management. Learn more about this module on our Banking, Reconciliation & Liquidity Management page.

Customer Management & Onboarding

In the ever-evolving fintech landscape, a streamlined customer management and accounts system is vital. Validat’s onboarding solution revolutionises how businesses manage client accounts by offering:

• Customisable Onboarding for Diverse Financial Needs: Optimise client onboarding with flexible rules, multiple currencies, and varied wallet options, ideal for both pre-funding and post-funding scenarios.
• Versatile Funding Options: Provide clients with the choice of pre-funding or post-funding, including options to secure forward contracts with collateral.
• Tailored Pricing and Charges: Customise pricing plans and collateral requirements at the client or currency level.
• Frictionless & Effortless Onboarding: An intuitive, automated process reduces setup complexity, ensuring a smooth transition from prospect to active client.
• Scalability: Grow your business with real-time insights and detailed reporting for informed expansion decisions.

For further details, visit our Customer Onboarding page.

CRM & Account Management

Our CRM and marketing suite is crafted to enhance customer relationships and streamline account oversight. Validat empowers businesses to manage interactions with:

• Advanced Lead & Customer Management: Efficiently track, manage, and nurture leads with a sophisticated CRM system.
• Efficient Scheduling & Communication: Organise meetings, calls, and follow-ups seamlessly for enhanced engagement.
• Enhanced Security & Accessibility: Multi-factor authentication ensures secure access to customer data.
• Affiliate & Partner Management: Tools designed for efficient collaboration and performance tracking help grow your network.
• Dynamic Marketing Campaigns: Integrated marketing tools allow you to design, manage, and monitor campaigns across multiple channels, boosting brand visibility and engagement.
• Strategic Integrations: Connect with services like postcode validation, SMS communication, and in-app notifications to create a cohesive customer experience.

Explore more benefits on our CRM, Marketing & Account Management page.

Why Choose Validat?

Validat stands out as your fintech partner by offering:

• Cost Efficiency: Reduce operational costs by 50% through automation.
• 99% STP Rates: Automatically match up to 99% of transactions using AI.
• Scalability: Expand globally with multi-currency options and extensive payment network connections.
• Security: Benefit from AI-enhanced compliance and robust fraud prevention.
• Versatility: Seamlessly handle both fiat and cryptocurrency transactions.

Whether you are a payment provider expanding abroad, an e-commerce business adopting crypto, or a startup craving flexibility, Validat fuels your innovation and success. Our real-time tools and strong integrations keep you in control, regardless of your business’s size or scope.

Validat Across Industries

Validat’s solutions extend far beyond traditional fintech, delivering tailored benefits to a wide range of sectors. Our platform equips businesses with modern tools to improve onboarding, ensure compliance, and manage risks effectively. Below, we outline how Validat supports key industries with specific advantages:

Banks

Banks often struggle with slow onboarding due to excessive false positives during screening. Validat simplifies this with flexible rules, currency options, and wallets, plus custom accounts for pre- and post-funding. Our AI-driven compliance reduces false positives, while APIs and webhooks provide real-time monitoring and alerts. Benefit from secure, cloud-based solutions with advanced fraud and AML detection.

• Key Benefits:
  • Faster onboarding with adaptable options.
  • Fewer false positives through AI compliance.
  • Enhanced security with cloud infrastructure.

Payment Providers

For digital wallets, payment gateways, and remittance services, Validat enhances efficiency by accelerating onboarding and payment screening. Our AI ensures quick, secure transactions, minimising manual reviews and boosting satisfaction. Use APIs for monitoring, webhooks for alerts, and exception-based reconciliation for accurate records.

• Key Benefits:
  • Quicker onboarding and payment screening.
  • Real-time monitoring with instant alerts.
  • Precise financial records via exception-based reconciliation.

Lending

Lending faces growing compliance demands as money laundering risks rise. Validat supports lenders with AI-driven risk detection and real-time reconciliation. Identify risks quickly, automate sanctions and PEP checks, and use adverse media monitoring to streamline data, reducing false positives. Integrate effortlessly for real-time data in any format.

• Key Benefits:
  • Rapid risk detection with AI tools.
  • Automated screenings and media monitoring.
  • Efficient real-time reconciliation.

Online Gambling

Improve compliance with streamlined player onboarding. Validat ensures fast processes while meeting regulations, balancing speed and security for an enhanced user experience at a reasonable cost.

• Key Benefits:
  • Quick onboarding with regulatory compliance.
  • Secure processes for better user satisfaction.

Gaming

Enhance gamer onboarding with robust compliance tools. Validat offers swift onboarding that adheres to industry standards, ensuring a seamless experience without compromising compliance.

• Key Benefits:
  • Streamlined onboarding for gamers.
  • Full compliance with gaming regulations.

Cryptocurrency

Achieve high pass rates with a secure, global verification system for crypto exchanges. Validat supports crypto users with efficient identity checks via selfies or liveness verification.

• Key Benefits:
  • Secure and effective identity verification.
  • High pass rates for cryptocurrency users.

Professional Services

Safeguard your practice from fraud and reputational damage. Validat provides essential compliance and onboarding tools to maintain integrity and trust at an affordable price.

• Key Benefits:
  • Strong compliance tools to prevent fraud.
  • Cost-effective solutions for trust and integrity.

Beyond Traditional Fintech

Validat also serves industries like bridging, e-money, and wealth-tech investments. Whether simplifying identity checks, easing compliance, or improving risk management, our platform adapts to each sector’s needs with cost-effective, AI-driven solutions.

How to Get Started

Getting started with Validat is straightforward and quick. Follow these steps:

1. Discover: Visit Validat.co.uk to learn about our solutions.
2. Demo: Book a personalised demo to see the Validat fintech platform in action.
3. Setup: Launch your banking, compliance, and payment tools with ease.
4. Succeed: Start optimising your operations immediately.

Our team ensures a smooth onboarding process, so you can focus on growth while we handle the details. With Validat, you are supported at every stage.

Expanding on Validat’s Strengths

Validat shines as an integrated financial platform. Our multi-currency wallets let you manage GBP, EUR, USD, and more in one place, avoiding the need for multiple accounts or costly conversions. Virtual bank accounts (VBANs) provide flexibility, allowing you to assign unique identifiers to clients or projects without traditional banking expenses.

Our payment network connections, such as SEPA and SWIFT, ensure fast, secure, and affordable transactions. For crypto-focused businesses, Validat bridges fiat and digital assets with instant transfers and reliable on/off ramps. This versatility suits companies eager to lead in a rapidly evolving financial landscape.

Compliance is another strength. Our AI tools monitor transactions in real time, catching issues early. This proactive approach protects your business and builds trust with regulators and clients. Automated reporting simplifies even the toughest requirements, from AML to KYC and KYB.

For data-driven businesses, our real-time reconciliation delivers unmatched clarity. Imagine an instant, accurate view of your finances with every transaction updated live. This precision helps you plan, seize opportunities, and mitigate risks effectively.

Conclusion

Validat unlocks financial innovation by combining seamless banking, real-time operations, and advanced compliance into one powerful platform. With multi-currency wallets, IBANs, VBANs, and connections to SEPA, SWIFT, CENTRAL LINK, and crypto networks, we empower you to scale securely and efficiently. Whether you are managing cross-border payments, adopting digital assets, or simplifying compliance, Validat provides the comprehensive fintech tools you need. Ready to revolutionise your financial operations? Join Validat today and discover a smarter way to grow your business.