- Digital banking
- e-Vending
- Dev Collaboration
- VCOMX - Virtual Commodity Exchange
- Smart Payments
- Prepaid Voucher Engine
- Prepaid Insurance
True Multi-Tenant Architecture
Operate a digitized asset as a separate “tenant” with its own stored value ledger system on the banking platform, called a vertical in the Kineto world. Configure as many tenants as resources would allow.
Unlimited Possibilities
Create digital currencies based on FIAT, tangible assets, rewards, loyalty, points and just about anything else you can think of. Configure, control and administer them from one single platform administration console interface.
Create new transaction types with new revenue stream possibilities.
Enterprise-level capability
A transactional platform for digital banking products and services. The platform supports merchant and customer accounts with various account access apps and interfaces, but can be self developed via the extensive RESTful API, enabling institutions to offer next generation financial and other transactional services.
Can support transactions from a multi-million subscriber base.
Some existing banking clients
Account access
- USSD / HTML / WEB Access
- Android & IOS mobile apps
- Android POS terminal software
- Manned KIOSK software
- Branded cards
- Whatsapp and others chat
Integrate
- Vending of products on e-Vending platform
- Stored value wallet API
- Web services
- Financial institution switch
- 3rd party service providers
- 3rd party payment gateways
- 2D Transact financial transactions
Outcomes of using the platform
- Increased transaction volumes
- Increased number and type of transactions
- Increased opportunity for revenue generation
- Next generation service delivery to subscribers
- Innovative products for next generation subscribers
- Effective financial inclusion through backward compatible technology and interfaces
- Digitization opportunities
- Sustained value creation
Core Features
- Comprehensive KYC and AML
- Card Issue and acquire.
- Financial switch.
- Merchant and customer accounts.
- Sub-wallets for distribution and managed spending.
- Patented smart payment mechanism integrated.
- Store and transact any digitized value as currency.
- Profile-based accounts, fees, rules, limits and more.
- Supports up to 999 white label communities within a vertical or tenant.
- Standard reports and external data warehouse for custom reports.
- Integrate into any 3rd party service.
- Extensive back-end admin portal.
Vending of digital products, services and vouchers
Enterprise-level capability
A versatile platform for electronic product integration, management, and vending. The platform supports merchant apps and offers a Rest API, enabling businesses to enhance their offerings with value-added services seamlessly.
Capable of processing many millions of transactions a day
Some existing e-Vending clients
Smart payment enabled
Unlimited products can be integrated
Merchant apps or API for retailers
Integrated to product providers and bill payments
Tiered Architecture
- Up to 7 levels of down-line
- Great for super-dealer, dealer, agent
- Commissions per level
- Commissions splits
Core Features
- Multi-level vending API
- Merchant / Agent wallet
- Extensive VAS bouquet
- 3rd party services
- 2D Transact financial transactions
- Offline in-store module
- White Label App available
- Android POS App available
- KIOSK module integrated
- POS vendor integrated
- Bank Agent features
Distribute Products
- Distribute products via banking
- Distribute products via merchant apps
- Distribute products via API
- Distribute products via Kiosks
Outcomes
- High-volume
- Rapid footprint establishment
- Backward compatible technology and interfaces
- Viable business from vending operations
- New revenue generation
Develop Online
Extensive framework for online application development collaboration and interface designs. The facility provides incredible flexibility, peace of mind and secure storage of the source code of every project.
Real-time Changes
Additions and changes in applications and interfaces are published in real-time. This feature ensures instant distribution of new products and services that are made available in the apps and interfaces.
Unlock revenue streams
Incredible value to existing and new customers. The VCOMX exchange enables alternative trading, barter and so much more. Experience the power and benefits of fintech innovation.
Digitizing tangible, or other types of assets into units of value, and operating it on the digital banking platform of Kineto will enable any institution to create a bouquet of transaction types built around the units of value and the ability to exchange between them.
Control the exchange rates yourself, configure the spread and the level of access to the administration interfaces.
Digitize and index anything
List | Exchange | Trade
VCOMX is a powerful addition to the Kineto digital banking platform and wider ecosystem. It provides near-endless possibilities with the digitization of tangibles, assets and others. A flexible “on-us” proprietary index and exchange module that gives Kineto clients the edge. Extensive and innovative administration portal to list and manage digitized units of value.
2D Transact. The Future of smart payments.
What 2D Pay2codes are:
A REST API-based mechanism for smart payments and other types of transactions. Easily implemented and integrated with by banks, value stores, merchant communities, web pages, POS providers and many more.
- Smart execution by way of attributes
- Intelligent transaction outcomes
- Anonymity of responders
- Not a card payment
- Backward compatible with old handsets
- Safe, secure, fast
- Seamless and user friendly (Type, scan, tap…)
- Much more cost effective for merchants or requestors
- Effectively a push of value
What 2D Pay2codes are not:
- Not a credit or debit card transaction
- Not one dimensional transaction
- Not responder or payer information dependent
- Not exclusive to mobile apps
- Not POS hardware dependent
- Not a pull of value from an account
Creating attribute-based payments and other types of “request-and-respond” transactions are now safer, faster and more convenient than ever before. Harness the power of attributes in almost any type of transaction and include the “old device” users in your market.
Campaign-type functionality comes standard with the 2D mechanism. The rules and attributes of transaction are controlled and executed by the 2D Transaction Controller part of the mechanism.
The power of prepaid vouchers for any form of value redemption
Create vouchers for anything and any redeemable purpose on the Kineto system. Print them or use them digitally they can be distributed inside customer apps or via agent networks.
White label option for any institution
Utilize a mobile agent footprint to facilitate policy sign-ups. Sign-up procedures are available on backward compatible non-internet mobile handsets, making it especially effective in rural landscapes.
Create and define policy product rules, collection policies, notifications and much more…
The pre-paid market is often frowned upon or forgotten completely. This pre-paid insurance module of Kineto will assist you to unlock a pre-paid market to unlimited insurance products.
