Solutions
EMI Software
Software infrastructure designed for electronic money and payment institution use cases — onboarding, accounts, wallets, ledger, cards, payments and back-office in one modular platform.
Business problems addressed
- Building a compliant-ready platform from scratch
- Disconnected onboarding, ledger and operations
- Manual reconciliation and reporting
- Slow provider and product expansion
Who it is for
- Electronic money institutions
- Payment institutions
- Programs operating under a licensed partner
Core capabilities
Customer onboarding workflows
Account and wallet management
Internal ledger
Card integration
Payment integration
Fees and commissions
Limits
Transaction monitoring capabilities
KYC and AML provider integrations
Statements
Reconciliation
Settlement
Back-office operations
Roles and permissions
Audit logs
Regulatory-reporting support
System architecture
Client ApplicationsAPI GatewayEMI Platform (Accounts, Wallets, Ledger)Payments & Cards IntegrationKYC / AML Provider IntegrationsBack-Office & Reporting
Example flow
- 1A customer is onboarded with KYC provider integration
- 2Accounts and wallets are created and ledger-backed
- 3Payments and cards operate through integrated providers
- 4Monitoring, limits and fees are applied
- 5Statements, reconciliation and reporting are generated
Provider and integration categories
Banks / PSPsCard processorsKYC / AML providers
Operational controls
- Limits and fees
- Roles and permissions
- Manual approvals
- Monitoring rules
Security considerations
- Role-based access control
- Audit logs
- Data segregation
- Compliance-ready workflows
Implementation options
- Full EMI platform build
- Selected modules integrated into your stack
- Provider and reporting integrations
Licensing, regulatory approval and compliance responsibility remain with the relevant licensed client and regulated providers. CARDELSE provides software infrastructure only.
Related CARDELSE products
How we deliver this
Frequently asked questions
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