Bank management

The “Bank management” block is related to viewing all information about users and their transactions.
It’s divided into 4 tabs:

1. Individuals
2. Corporates
3. Transactions
4. Cards

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👤 Individuals

An individual is a person who has created a profile in a white label application and is authorised to access and perform various banking activities through it. Each individual might be registered only by his own via white label web or mobile interface. There is no possibility of creating an individual user via the admin panel. The represented table on page “Individuals” shows the list of all individual profiles signed up in the White Label application. Each individual contains the following information:

• User ID;
• First and Last name;
• Phone number;
• Email;
• Verification Status;
• State;
• Date of creation;
• Nationality.

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✅ Verification status

Represents the status of individual verification via KYC procedure. Applicable values:

• Unconfirmed – the user hasn’t submitted any documents for starting KYC procedure verification;
• Pending – user submitted documents to the KYC service but the verification is not finished;
• Resubmission Required – user is required to resubmit any of provided documents;
• Rejected – user’s application is rejected by KYC Service permanently;
• Confirmed – user application is approved by SumSub;

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🔐 State

The value represents the state of an individual in the white label system. Applicable values:

• Active – user has access to all functionality;
• Suspended – functionality “Send money”, and “Create accounts” are not available. Admin can unsuspend the user;
• Blocked by Admin – user is blocked permanently. The user cannot access his profile;
• Closed – user is closed (done on his/her own). The user cannot access his profile. The profile might be closed only if all his bank account balances are zero and there are no pending transactions.

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🔎 View details

Per each individual, it is possible to look through the detailed information by pressing the [View] button. Given the details are opened there information there is divided into 3 separate blocks:

• General information
• Accounts
• Configurations
• Orders
• Cards

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1. 📑 General information

General information is divided into two main sections: personal and legal info.

• Personal displays information user entered manually while the onboarding process.
• Legal displays information that is pulled from the KYC service. KYC Id serves as a link to an external service (SumSub) and enables an admin who has access to this service to look through all the documents/details the applicant submitted for verification.

Except for that info, there is also info about verification status, state, contract, and if the user has corporate, you can see the information about it. There is a possibility to search specific individuals by full phone number or user Id.

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2. 💳 Accounts

Here is represented the info about users’ bank accounts. An admin has a right just to view those details, there is no possibility to open the account, edit, or close (delete) it. The following information is displayed per each account:

• Id – unique account identifier in the white label system;
• Account title – the name of the account which is automatically generated, pattern: currency_account_order;
• Currency – available currencies EUR, GBP, USD, PLN, ETH, USDT, USDC, TRX;
• Available balance – the balance resulting from all transactions (including pending status). This is the balance user sees in the app and is available to use;
• Reserved balance – the balance resulted from all incomplete (pending) transactions. A total sum of currency on hold for the account (outcoming from the account);
• Current balance – the balance created according to transaction that are Completed.
• Created at – the date when the account was initiated;
• Updated at – the date when information about the account was changed last time: status, balance, created transaction, etc.

Additionally, there is detailed information for each account, where might be founded the duplicated information listed above and extra info about: Additional info:

• Internal account ID
• Account number – a unique 8-digit code that identifies users’ personal bank account, applicable only for UK banks;
• Sort code – a 6-digit number that identifies the bank where the account is created, applicable only for UK banks;
• IBAN – identifiers of users’ personal bank account;
• SWIFT/BIC code – identifiers of users’ bank where the account is created;
• Provider;
• Account variant;
• Deposit address, applicable only for crypto accounts;

Internal account status values:

• Initiated – account is created on the white label side, but it is not created on the Provider side and due to this does not have account details yet;
• Pending – account is in the process of changing from initiated to activated;
• Activated – account is created on the Provider side. The account contains account details;
• Closed – account is closed on the Provider side.

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💰 Transactions

Along with the account details per each account, there is a separate section representing the list of transactions related to that account. The table with transactions contains the following information:

• Id – unique transaction identifier in the white label system;
• Payment method – Internal transfer, Faster Payment, SEPA, SWIFT
• Remitter – first, last name;
• Recipient – first, last name;
• Amount – transfer amount with the fee included;
• Current balance;
• Available balance;
• State – available values:
  • Pending – transfer is initiated and is reviewing on the white label or already on the Provider side but still is not approved by the Provider. Available balance is decreased on the transaction amount (with the fee included if available), reserved balance is increased on the transaction amount (with the fee included if available);
  • Completed – transfer is approved by the provider, the current balance is reduced on the transaction amount (with the fee included if available), reserved balance is decreased on the transaction amount (with the fee included if available);
  • Failed – transfer is rejected. The available balance is increased on the transfer amount (with the fee included if available), the reserved balance is decreased on the transaction amount (with the fee included if available);
• Date, time – the date and time when the transfer was initiated.

Per each transfer, it is possible to look through the detailed information. Besides the information listed in the table, here is an additional detail per each transaction such as:

• Remitter and recipient bank account number/IBAN;
• Amount – amount without fee;
• Amount of fee;
• Total amount – amount with fee;
• Payment type: incoming or outgoing;

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3. ⚙️ Configurations

Here is you can set up configuration for two parameters: AML Check and Manual review.
For each of them, you can skip it (turn it off) or make it as default (turn on).

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4. 📦 Orders

This tab represented the info about users’ orders. The following information is displayed for each order:

• Internal order ID
• Currency pair
• Rate
• Sold amount
• Status
• Date of creation

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5. 💳 Cards

This tab represented the info about users’ cards. The following information is displayed for each card:

• ID
• SAN – a unique short account number that contains a 9-digit number
• User Name – First, Last name / Company name as a link to individual/corporate
• Currency
• Type – virtual or physical
• Delivered – yes/no (shows “-” if the card is virtual)
• Balance
• Created at
• Updated at
• Status

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🏢 Corporates

A corporate is a legal entity that is separate and distinct from its owners. Corporate might have a profile in a white label application and be authorized to access and perform various banking activities through it.
The corporate might be registered to white label web or mobile interface only after creating a profile for an individual. Also as with individual users, it is not possible to create a corporate via the admin panel. The table on page “Corporates” represents the scope of all corporates signed up to the White Label application. Each individual contains the following information:

• Company ID;
• Company name;
• Email;
• Verification Status;
• Status;
• Date of creation;

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✅ Verification status

Represents the status of corporate verification via KYB procedure. Applicable values:

• Unconfirmed – documents for starting KYB procedure verification have not been submitted;
• Pending – the verification of provided documents is not finished;
• Resubmission Required – it is needed to resubmit any of provided documents;
• Rejected – an application is rejected by KYB Service permanently;
• Confirmed – the KYB procedure is successfully passed, and the corporate user is approved;

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🔐 State

The value represents the state of the corporate in the white label system.
Applicable values:

• Active – user has access to all functionality;
• Suspended – functionality “Send money”, “Create accounts” are not available. Admin has a right to unsuspend the user;
• Blocked by Admin – the user is blocked permanently. The user cannot access his corporate profile;
• Closed – user is closed (done on his/her own). The user cannot access his corporate profile. The profile might be closed only if all his bank account balances are zero and there are no pending transactions.

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🔎 View details

Per each corporate, it is possible to look through the detailed information by pressing the [View] button. Given the details are opened the information there is divided into 3 separate blocks:

• General information
• Accounts
• Configurations
• Orders
• Cards

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1. 📑 General information

General information is divided into two main sections: company info and legal company info.

• Company info represents the information the user entered manually while signed up the corporate.
• Legal company info displays information that is pulled from the KYB service provider. KYB Id serves as a link to an external service provider (SumSub) and enables an admin who has access to this service to look through all the documents/details the applicant submitted for verification.

Part “Individual” contains information about the individual user who has signed up the company, his unique identifier in the White Label system, and the company position. Except for that info, there is also info about verification status, status, and contract. There is a possibility to search specific corporate by company ID.

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2. 💳 Accounts

Here is represented the info about users’ bank accounts. An admin has a right just to view those details, there is no possibility to open the account, edit, or close (delete) it. The following information is displayed per each account:

• Id – unique account identifier in the white label system;
• Account title – the name of the account which is automatically generated, pattern: currency_account_order;
• Currency – available currencies EUR, GBP, USD, PLN, ETH, USDT, USDC, TRX;
• Available balance – the balance resulting from all transactions (including pending status). This is the balance user sees in the app and is available to use;
• Reserved balance – the balance resulted from all incomplete (pending) transactions. A total sum of currency on hold for the account (outcoming from the account);
• Current balance – the balance created according to transaction that are Completed.
• Created at – the date when the account was initiated;
• Updated at – the date when information about the account was changed last time: status, balance, created transaction, etc.

Additionally, there is detailed information for each account, where might be founded the duplicated information listed above and extra info about: Additional info:

• Internal account ID
• Account number – a unique 8-digit code that identifies users’ personal bank account, applicable only for UK banks;
• Sort code – a 6-digit number that identifies the bank where the account is created, applicable only for UK banks;
• IBAN – identifiers of users’ personal bank account;
• SWIFT/BIC code – identifiers of users’ bank where the account is created;
• Provider;
• Account variant;
• Deposit address, applicable only for crypto accounts;

Internal account status values:

• Initiated – account is created on the white label side, but it is not created on the Provider side and due to this does not have account details yet;
• Pending – account is in the process of changing from initiated to activated;
• Activated – account is created on the Provider side. The account contains account details;
• Closed – account is closed on the Provider side.

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💰 Transactions

Along with the account details per each account, there is a separate section representing the list of transactions related to that account. The table with transactions contains the following information:

• Id – unique transaction identifier in the white label system;
• Payment method – Internal transfer, Faster Payment, SEPA, SWIFT
• Remitter – first, last name;
• Recipient – first, last name;
• Amount – transfer amount with the fee included;
• Current balance;
• Available balance;
• State – available values:
  • Pending – transfer is initiated and is reviewing on the white label or already on the Provider side but still is not approved by the Provider. Available balance is decreased on the transaction amount (with the fee included if available), reserved balance is increased on the transaction amount (with the fee included if available);
  • Completed – transfer is approved by the provider, the current balance is reduced on the transaction amount (with the fee included if available), reserved balance is decreased on the transaction amount (with the fee included if available);
  • Failed – transfer is rejected. The available balance is increased on the transfer amount (with the fee included if available), the reserved balance is decreased on the transaction amount (with the fee included if available);
• Date, time – the date and time when the transfer was initiated.

Per each transfer, it is possible to look through the detailed information. Besides the information listed in the table, here is an additional detail per each transaction such as:

• Remitter and recipient bank account number/IBAN;
• Amount – amount without fee;
• Amount of fee;
• Total amount – amount with fee;
• Payment type: incoming or outgoing;

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3. ⚙️ Configurations

Here is you can set up configuration for two parameters: AML Check and Manual review.
For each of them, you can skip it (turn it off) or make it as default (turn on).

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4. 📦 Orders

This tab represented the info about users’ orders. The following information is displayed for each order:

• Internal order ID
• Currency pair
• Rate
• Sold amount
• Status
• Date of creation

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5. 💳 Cards

This tab represented the info about users’ cards. The following information is displayed for each card:

• ID
• SAN – a unique short account number that contains a 9-digit number
• User Name – First, Last name / Company name as a link to individual/corporate
• Currency
• Type – virtual or physical
• Delivered – yes/no (shows “-” if the card is virtual)
• Balance
• Created at
• Updated at
• Status

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💰 Transactions

Tab Transactions of the admin panel is divided into 4 sub-tabs:

1. All transactions
2. Pending in AML
3. Failed AML
4. Manual Review

Each of them contains a bunch of transactions that are stuck on some specific stage of its life cycle.

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📑 All transactions

The represented table on page “All transactions” shows the list of all transactions that were made in the White Label application. Each transaction contains the following information:

• Transaction ID
• Date of creation
• Payment method
• Payment direction
• Remitter
• Recipient
• Account ID
• Amount
• Status

If you click on the button “View”, you will move to the page Transaction details, which we described in the previous parts – Individuals and Corporates.

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🛡️ Pending in AML

AML stands for Anti-Money Laundering. It is a set of regulations, policies, and procedures implemented by financial institutions and governments to detect and prevent the illegal process of making illegally obtained money appear legal or “clean.” The purpose of AML measures is to combat money laundering by identifying suspicious transactions and activities, reporting them to the relevant authorities, and preventing the integration of illicit funds into the legitimate financial system. Currently, the White Label platform uses 3rd party provider – SumSub for AML monitoring. Sumsub’s Transaction Monitoring offers real-time fraud protection for all kinds of businesses. Each transaction initiated by the end users within the White Label Client application is forwarded to the 3rd party provider for AML monitoring. As a result of the performed check the risk score is assigned to the transaction. Based on the risk score the transaction may have assigned appropriate AML status: AML confirmed, AML failed or AML pending.
Admin can view all scope of pending in AML transactions moved through the system on the tab Pending in AML. The table with transactions contains the following data:

• Transaction Id – unique transaction identifier in the white label system
• Transaction date – the date when the transaction was initiated
• Payment method (7 payment methods available for now: “Internal transfers”, “Faster Payment”, “SEPA”, “SEPA – Instant”, “SWIFT”, “Arbitrum”, and “Ethereum”)
• Payment type: outgoing or incoming
• Remitter (first and last name/company name in case of business users)
• Recipient (first and last name/company name in case of business users)
• Total Amount (amount + fee)
• AML status
• Status
• Risk score (from 3rd party provider)
• A link to 3rd party provider SumSub for this particular transaction
• [View] button

Given any member of the Clients’ admin team press on the SumSub link then it redirects to the SumSub page with an appropriate transaction. All transactions that have the status “AML pending” in the admin panel have the status “Require action” in SumSub so they are on hold and require action from the Clients’ management/admin team members. The basic actions that may be performed are:

• Approval – then after that it can be sent to the BaaS provider.
• Rejection – otherwise, if it is rejected it would not be sent to the BaaS provider and become failed right after the AML check.

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❌ Failed AML

This tab was created specially for the compliance department and their convenience. All transactions failed due to AML reasons, you can see on this tab. Here is the special column called “Status” that has two values:

• Failed – that means that the transaction failed and didn’t return
• Returned – that means that you already returned this transaction to the remitter

Additionally, to returning the transaction, you need to provide the transaction ID or Hash in case of crypto.

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👀 Manual review

A manual review is an additional option granted to the Clients’ admin team to take control of the end users activity within the system examining specific transactions for potential risks, compliance issues, or suspicious activities. An admin has a right to switch on/off the possibility of manual reviewing of transactions. The manual review option works bearing in mind different transaction flows:

1. Flow with AML check on 3rd party side (currently SumSub)
2. Flow without AML check

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Flow 1: With AML check

Given an admin has switched ON the manual review option when the transaction passed the AML check (on SumSub) then it should appear in the list of transactions for manual review – tab Manual review. The table with transactions contains the info as follows:

• Transaction Id – unique transaction identifier in the white label system
• Transaction date – the date when the transaction was initiated
• Payment method (4 payment methods available for now: “Internal transfer”, “Faster Payment”, “SEPA” and “SWIFT”)
• Payment type: outgoing
• Remitter (first and last name/company name in case of business users)
• Recipient (first and last name/company name in case of business users)
• Total Amount (amount + fee)
• Status
• AML status
• Risk score (from SumSub)
• [Approve] and [Reject] buttons
• [View] button

AML status – the value represents the status of the transaction after the AML check. Possible values:

• AML confirmed – transaction successfully passed AML check
• AML failed – transaction did not pass AML check and is rejected so it would not be forwarded to the BaaS provider
• AML pending – transaction requires an additional manual check on the SumSub side

If the member of the Clients’ admin team approves the transaction that is on the manual review it will be forwarded to the BaaS provider.
If the member of the Clients’ admin team rejects the transaction that is on the manual review it will not be forwarded to the BaaS provider and become failed. Given an admin has switched OFF the manual review option when the transaction passed the AML check (on SumSub) then it should NOT appear in the list of transactions for manual review but should be forwarded to the provider (if AML confirmed) or should NOT be forwarded to the provider (if AML failed).

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Flow 2: Without AML check

The flow without an AML check just skips the forwarding transaction to SumSub.

• If manual review is ON, then after initiating the transaction by the end user it appears in the admin panel, tab Transactions / Manual review. Approve and reject options work as in Flow 1.
• If manual review is OFF, then right after initiating the transaction by the end user it goes to the BaaS provider.

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💰 Incoming Transfer

Our system includes a BaaS provider simulator that replicates the core functionality of a real BaaS provider. We call this simulator the Mock Provider.
As an admin, you can manually create incoming SEPA, SWIFT, SEPA INSTANT, UK Faster Payments, UAE Local, or Canadian Local transactions. At the top of the Transactions page, click “Create transaction”.
A modal window will appear with the following fields: Transfer Details

• Transfer type – Incoming transfer
• Payment method – SEPA, SWIFT, SEPA INSTANT, UK FP, UAE Local, Canadian Local

General Info

• Account ID – Mandatory, accepts digits only
• IBAN – Auto-filled by the system based on the Account ID
• BIC/SWIFT – Auto-filled by the system based on the Account ID
• User name – Auto-filled by the system based on the Account ID
• Gross amount
• Currency – EUR, USD, or GBP
• BaaS provider – Auto-filled (Mock Provider)
• Reference

Remitter Details

• Remitter name – Mandatory
• IBAN or account number – Optional
• BIC/SWIFT or Sort code – Optional
• Remitter address – Street line 1, line 2, city, post code, country (optional)
• Remitter bank name – Optional
• Remitter bank country – Optional
• Remitter bank address – Optional

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⚙️ Charge Fee

In addition to creating incoming transactions, admins can also apply account-related fees such as account opening or monthly maintenance fees directly through the system. On the Transactions page, select Create transaction, then choose the Transfer type – Fee charge option.
This allows you to manually debit a specific amount from a user’s account. General Info

• Search by internal account ID – Mandatory
• User name – Auto-filled
• IBAN / Account number – Auto-filled
• Currency – Mandatory
• Available balance – Auto-filled for reference
• Amount – Mandatory

Once all required fields are filled, click Create to apply the fee.

💡 Notes:

• You can manage fees manually from the Back Office under Bank Management → Transactions.
• Monthly fee automation is planned for release soon, allowing recurring charges to be applied automatically.

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💳 Cards

Each user can create a card for their account in our system.
The represented table on page “Cards” shows the list of all cards that were created in the White Label application. It contains two pages:

• All Cards
• KYC Failed

The main difference between these two pages is that KYC Failed shows only cards that have some issues with KYC onboarding. Each card contains the following information:

• ID
• SAN – a unique short account number that contains a 9-digit number
• User Name – First, Last name / Company name as a link to individual/corporate
• Currency
• Type – virtual or physical
• Delivered – yes/no (shows “-” if the card is virtual)
• Balance
• Created at
• Updated at
• Status
• KYC Status – available only on the KYC Failed page

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🔎 View Details

Per each card, it is possible to look through the detailed information by pressing the [View] button.
When details are opened, the information is divided into 2 separate blocks:

1. General information
2. Operations

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📑 General Information

General information is divided into two main sections:

• Card information – shows the same data as on the page “Cards” plus an additional field: Masked card number
• Cardholder information – displays information about the user, pulled from the KYC service

Additionally, this block contains State and KYC status.

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🛡️ KYC Statuses

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💳 Operations

This block represents the information about operations made with the chosen card. ⚠️ An admin has the right only to view these details.
There is no possibility to cancel or change an operation. The following information is displayed per each operation:

• ID
• Time/Date
• Description – Card top-up / merchant name / ATM name
• Category – defined according to MCC code
• Amount
• Operation type – completed / authorization attempt

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🔎 Operation Details

Per each operation, it is possible to view detailed information by pressing the [View] button.
When details are opened, the information is divided into 3 separate blocks:

1. Operation information
2. Operation type
3. Operation status