NexVault is enterprise FinTech infrastructure for digital banks, eWallets, payment processors, and more — deployed and managed by Abiy3 Technologies.
NexVault is a modular FinTech infrastructure platform deployed and managed exclusively by Abiy3 Technologies for your organisation.
Whether launching a neobank, embedding payments, or running a PSP — NexVault has a proven module for it.
Full-stack retail banking with account management, cards, loans, deposits, and mobile app.
Issue virtual and physical debit/prepaid cards with real-time authorisation and spending controls.
Mobile-first digital wallets with P2P transfers, QR payments, top-ups, and multi-currency support.
Real-time ledger, multi-currency accounts, interest engine, and full compliance reporting.
Bridge crypto and fiat — BTC, ETH, stablecoins, and fiat on/off-ramp in one platform.
High-throughput payment routing, global payouts, FX conversions, and merchant acceptance.
Abiy3 Technologies handles end-to-end delivery — infrastructure, configuration, branding, integrations, and ongoing support.
We assess requirements, define scope, and agree on a timeline with clear milestones.
Platform deployed to your infrastructure, modules configured, branding applied.
Full UAT, security review, and compliance configuration for your regulatory environment.
Platform launched and maintained throughout your licence term — updates, patches, support.
Cloud resources, networking, databases provisioned.
Platform deployed, branding applied, rules configured.
Payment rails, KYC providers, card processors connected.
Acceptance testing, sign-off, and production launch.
Talk to Abiy3 Technologies today about deploying NexVault for your organisation.
Book a Free ConsultationModular, API-first, and deployable on your infrastructure — every component of a modern financial product, ready to go.
Decoupled, independently deployable modules sharing a common data model and API surface.
Manage customers, transactions, compliance, and configuration without writing a line of code.
Full lifecycle: onboarding, KYC status, account overview, transaction history, risk flagging, and document storage.
Real-time view of all payment flows with filtering by status, amount, currency, and channel. Manual approval queues included.
AML screening, suspicious activity alerts, blacklist management, and regulatory reporting exports.
Set fee structures, product rules, limits, currencies, and exchange rates — without code deployments.
Built-in dashboards for transaction volumes, user growth, revenue, and reconciliation. Export to CSV / PDF.
Define granular staff roles — operations, compliance, finance, support — with fine-grained permission sets.
Contact Abiy3 Technologies to arrange a walkthrough tailored to your use case.
Get in TouchBuilt for the demands of financial services — high availability, security, compliance, and scalability by design.
Four non-negotiable principles baked into every component of NexVault.
End-to-end encryption, HSM key management, OAuth 2.0, and SOC 2-aligned controls throughout.
Horizontal scaling, sub-100ms transaction latency, 99.9% uptime SLA with automatic failover.
Built-in AML, KYC, and transaction monitoring. PCI-DSS, GDPR, and regional regulatory support.
500+ documented REST endpoints, webhooks, and 60+ pre-built connectors to payment rails and processors.
A modern, battle-tested stack chosen for reliability and the demands of financial data processing.
Deployed to your cloud provider or on-premise infrastructure, managed by Abiy3 Technologies.
AWS, GCP, or Azure — full infrastructure management included in your service agreement.
Your own data centre or private cloud for maximum control over data residency and security.
Core data on-premise, non-sensitive workloads via cloud. Maximum flexibility and compliance.
All updates and security patches managed by Abiy3 Technologies — you never deal with manual upgrades.
Version tested internally
Applied to your staging
Client review period
Zero-downtime rolling
24h post-deploy watch
From neobanks to super apps — NexVault powers the full spectrum of digital financial products.
Full retail bank — account onboarding, cards, loans, deposits, and white-label mobile app.
Launch a mobile-first digital bank in 4–8 weeks. NexVault provides the entire infrastructure stack.
P2P payments, QR codes, top-ups, and merchant acceptance in one digital wallet platform.
Real-time ledger, interest engine, GL integration, and full audit trail for regulated institutions.
Virtual and physical Visa/Mastercard cards with real-time authorisation and spending controls.
Bridge crypto and fiat — custody, conversions, and a compliant banking layer in one platform.
Merchant management, payment routing, settlements, and chargeback handling in one PSP stack.
White-label iOS and Android banking app — your brand, your product, our proven technology.
Embedded financial infrastructure for multi-service apps — payments, wallets, and payouts.
Our team will scope a NexVault deployment tailored to your exact product requirements.
Discuss Your RequirementsNexVault serves financial institutions and technology companies across the full spectrum of financial services.
Modernise legacy infrastructure. Reduce operational costs and launch digital products faster without rebuilding from scratch.
Avoid years of platform development. Focus engineering on differentiation — not infrastructure.
A complete PSP stack — merchant management, routing, acquiring, and settlement in one place.
EMI-grade compliance tooling, multi-currency accounts, and payment rails built in from day one.
Bridge crypto and traditional finance with fiat rails, custody, and a compliant banking layer.
Embed financial services — wallet, payouts, escrow, and merchant services for your entire ecosystem.
Launch mobile money and digital financial services on top of your existing subscriber base.
Offer embedded financial products to employees, partners, or customers without becoming a bank.
A robust embedded payments and wallet layer to monetise your user base and settle provider payouts.
60+ pre-built integrations to payment rails, KYC providers, card processors, and more — ready at deployment.
NexVault combines a one-time Platform Deployment with a fixed Annual Platform Licence. Two separate, clearly defined commitments.
Two distinct components are required to operate a live NexVault deployment. Both must be in place.
A one-time professional services engagement. Abiy3 Technologies installs, configures, and launches NexVault on your infrastructure — fully branded, integrated, and tested. Priced in tiers based on complexity, module count, integration scope, and timeline.
An annual licence that grants your organisation the right to operate NexVault. Without an active licence, the platform will not function — access is suspended until the licence is renewed. Includes periodic updates and ongoing Abiy3 Technologies support throughout the active term. Starting at $250,000/year, subject to volume and institutional growth.
The Annual Platform Licence starts at $250,000 per year and scales with your organisation's growth — transaction volume, user base, and institutional expansion are all factors considered at renewal. Without an active licence, the platform is fully suspended — no access for your team or customers until renewed.
Platform Deployment is a one-time professional services engagement by Abiy3 Technologies. Entry tiers are intentionally scoped for simple, single-product launches — most serious financial institutions find their requirements naturally align with the Enterprise tier. All integrations, custom feature development, and infrastructure costs are quoted separately.
Everything your team needs to understand, operate, and integrate with NexVault.
NexVault is a comprehensive, enterprise-grade FinTech platform deployed and managed by Abiy3 Technologies. It provides every software component required to operate a modern digital financial product.
NexVault is deployed to your preferred cloud provider (AWS, GCP, or Azure) or on-premise infrastructure. Abiy3 Technologies manages the deployment pipeline, configuration, and ongoing maintenance under your annual licence agreement.
Abiy3 Technologies manages the full deployment. This guide describes what happens during a standard deployment engagement.
Cloud resources, networking, and databases provisioned.
Services deployed, initial configuration applied.
White-label applied, product rules and currencies configured.
Third-party connectors configured and tested.
Acceptance testing, sign-off, production launch.
NexVault supports separate environments to allow safe development and testing before promoting to production.
| Environment | Purpose | Access |
|---|---|---|
| Staging | Integration testing, UAT | Your team + Abiy3 Technologies |
| Production | Live customer-facing platform | Your team + Abiy3 (ops only) |
A real-time, double-entry bookkeeping system supporting multiple currencies and account types.
| Type | Description |
|---|---|
| Customer Account | End-user wallet or current account |
| Float Account | Pooled account holding customer funds |
| Fee Account | Accumulates platform fees |
| Suspense Account | Holds funds pending reconciliation |
| GL Account | General ledger for accounting integration |
The NexVault payment engine handles internal transfers, external payments, and cross-currency transactions through a unified API.
The reconciliation engine automatically matches internal records against external provider statements to identify discrepancies.
| Status | Description | Action |
|---|---|---|
| Matched | Confirmed | None |
| Pending | Awaiting confirmation | Monitor |
| Exception | Discrepancy found | Manual review |
| Resolved | Exception closed | None |
NexVault supports virtual and physical card programmes through integrations with major card processors and schemes.
Card created and linked to account.
In normal use, authorisations processed in real time.
Temporarily suspended. Can be unfrozen.
Permanently blocked — loss, fraud, or compliance.
Past expiry. Renewal issued if configured.
Flexible, rule-based fee configuration for all transaction types, account maintenance events, and service actions.
A built-in FX engine supporting real-time currency conversion for payments, transfers, and top-ups.
Configurable KYC workflow engine with multiple verification levels and third-party identity provider integrations.
| Level | Requirements | Typical Use |
|---|---|---|
| 0 | Email + phone | Limited access |
| 1 | Name, DOB, address | Standard account |
| 2 | Level 1 + document + selfie | Full access |
| 3 | Level 2 + proof of address | High-value accounts |
Automated AML screening and ongoing transaction monitoring to detect suspicious activity.
Role-based access control (RBAC) for the back-office portal. Each staff user is assigned roles with defined permissions per module.
| Role | Key Permissions |
|---|---|
| Super Admin | Full access including configuration |
| Compliance Officer | KYC, AML, watchlists, regulatory exports |
| Operations | Customer management, transaction review |
| Finance | Ledger, reconciliation, fee management |
| Customer Support | Read-only view, basic account actions |
| Developer / API | API keys, webhook configuration |
The NexVault Back-Office is a web-based portal giving your operations, compliance, and finance teams full visibility and control — no technical skills required for day-to-day use.
Each customer record includes: personal info, KYC status, linked accounts, transaction history, AML risk score, active cards, and a complete operator audit trail.
Real-time and historical visibility into all payment flows across the platform.
Transactions above configurable thresholds or flagged by the AML engine are held in a manual queue. Operators can approve, reject, or hold with documented reasoning.
Authorised administrators can manage platform-wide settings without code deployments.
NexVault exposes a comprehensive REST API with 500+ endpoints. All documented in OpenAPI 3.0.
| Group | Path | Description |
|---|---|---|
| Accounts | /accounts | Create, read, update accounts |
| Customers | /customers | Customer lifecycle & KYC |
| Payments | /payments | Initiate and manage payments |
| Cards | /cards | Card issuing & management |
| FX | /fx | Quotes & conversions |
| Reconciliation | /reconciliation | Matching & exceptions |
| Webhooks | /webhooks | Event subscriptions |
NexVault pushes real-time event notifications to your systems, eliminating the need to poll the API.
payment.completed · payment.failed · payment.pending_approvalaccount.created · account.frozencustomer.kyc_approved · customer.kyc_rejectedcard.authorisation · card.frozenaml.alert_created · reconciliation.exception_createdPayloads are signed using HMAC-SHA256. Verify the signature using the secret key provided at webhook registration before processing.
NexVault is the technology platform. Your organisation is responsible for obtaining and maintaining any financial services licences required in your jurisdiction.
All data within your NexVault deployment belongs to your organisation. Abiy3 Technologies accesses data solely for maintenance and support as defined in your service agreement.
A complete guide to every section of the NexVault back-office portal for platform administrators and operations teams.
Real-time KPIs, transaction charts, active alerts, and system status. Configurable date ranges and metric cards.
Full lifecycle management: profiles, KYC review, account administration, risk flags, and activity history.
Search, filter, drill-down, and action every transaction. Approve or reject held payments. Export to CSV or PDF.
Manage card programmes, issue virtual and physical cards, configure spending controls.
AML alerts, KYC review queue, watchlist management, and regulatory report exports.
Ledger balances, reconciliation dashboard, fee accounts, settlement schedules, and reports.
Currencies, products, limits, exchange rates, fee rules, and notification templates — no code required.
Staff accounts, role assignments, permission management, MFA enforcement, and login history.
Scheduled and ad-hoc reports covering transactions, revenue, KYC, reconciliation, and regulatory templates.
Contact Abiy3 Technologies support for guided assistance, training, or configuration help.
Contact SupportAll NexVault platform updates, improvements, and fixes — delivered to your deployment by Abiy3 Technologies.
Speak with the Abiy3 Technologies team to discuss your requirements and receive a tailored proposal.
We learn about your business, use case, and requirements. No technical preparation needed.
We prepare a detailed scope, module selection, timeline, and licence proposal for your review.
Once agreed, Abiy3 Technologies begins deployment — live in as little as 4 weeks.
Periodic updates, support, and new features throughout your licence term.
The fastest way to start is a direct email. We respond to all enquiries within one business day.
Deploy a full-stack retail bank — accounts, cards, loans, mobile app, and compliance in a single platform.
Complete digital bank deployment — from customer onboarding to settlements — managed by Abiy3 Technologies.
Launch a mobile-first digital bank without building from scratch. NexVault provides the entire infrastructure stack.
Everything to operate a digital bank — deployed and managed by Abiy3 Technologies under your brand.
Build a standalone or embedded digital wallet with P2P payments, QR, top-ups, and merchant acceptance.
Full-featured digital wallet configured for your brand and market by Abiy3 Technologies.
A modern core banking engine for institutions moving beyond legacy infrastructure.
Next-generation core banking deployed and maintained by Abiy3 Technologies.
Issue and manage virtual and physical Visa/Mastercard cards with real-time authorisation and full programme management.
Complete card issuing integrated with major card schemes, managed by Abiy3 Technologies.
Bridge crypto and fiat within one platform — custody, conversions, and a compliant banking layer.
Regulated crypto banking layer connecting digital assets with fiat infrastructure.
Run a payment service provider operation — merchant management, routing, and settlement on one platform.
Complete PSP technology stack managed by Abiy3 Technologies.
White-label iOS and Android banking app — your brand, your product, our proven technology.
Multi-service app with embedded financial infrastructure — payments, wallets, and payouts for your ecosystem.
Embedded financial infrastructure for multi-service apps managed by Abiy3 Technologies.
Last updated: May 2026. This policy explains how NexVault, provisioned by Abiy3 Technologies, handles personal data.
This Privacy Policy applies to the NexVault platform and associated services, provisioned and managed by Abiy3 Technologies ("we", "us", "our"). It governs how we collect, use, store, and protect personal data submitted through this website and through the NexVault platform deployed for our clients. By engaging with our services, you agree to the terms of this policy.
We collect the following categories of data:
All end-customer data processed through a deployed NexVault instance belongs to the client organisation. Abiy3 Technologies does not claim ownership over, sell, or commercially exploit client data. Client organisations are responsible for ensuring their use of the platform complies with applicable data protection laws in their jurisdiction, including obtaining appropriate consents from their end customers and implementing required data handling policies.
We implement industry-standard security measures including AES-256 encryption at rest, TLS 1.3 in transit, role-based access controls, hardware security module (HSM) integration, and immutable audit logging. Access to client deployment environments is restricted to authorised Abiy3 Technologies personnel on a need-to-know basis, solely for maintenance and support purposes.
Contact enquiry data submitted through this website is retained for up to 24 months for the purpose of managing business relationships. Upon termination of a client service agreement, client platform data is handled according to the data processing terms within the applicable service agreement, including agreed deletion or return procedures.
We use Formspree to process consultation form submissions from this website. Cloud infrastructure for deployed NexVault instances may involve Amazon Web Services, Google Cloud Platform, or Microsoft Azure, depending on client requirements. All sub-processors are subject to appropriate data processing agreements.
Depending on your jurisdiction, you may have rights including access to your personal data, correction of inaccurate data, erasure, restriction of processing, and data portability. To exercise any of these rights, please contact us at info@abiy3.com.
This website does not use tracking cookies or third-party advertising cookies. We may use essential session cookies for functional website operation only.
We may update this Privacy Policy from time to time. Material changes will be communicated to active client organisations. Continued use of our services after an update constitutes acceptance of the revised policy.
For privacy-related enquiries, please contact Abiy3 Technologies at info@abiy3.com.
Last updated: May 2026. These terms govern the use of NexVault services provisioned by Abiy3 Technologies.
By engaging Abiy3 Technologies for the deployment or licencing of the NexVault platform, or by submitting an enquiry through this website, you ("the Client") agree to be bound by these Terms of Service. If you are engaging on behalf of a company or institution, you represent that you have the authority to bind that organisation to these terms. These terms apply in conjunction with, and do not supersede, any separately executed service agreement or licence agreement.
NexVault is an enterprise FinTech infrastructure platform provisioned exclusively by Abiy3 Technologies. Services include platform deployment (a one-time professional services engagement), annual platform licencing (granting the right to operate the deployed platform), ongoing maintenance, and support. Specific scope, deliverables, and service levels are defined in individually executed service agreements.
Access to and operation of the NexVault platform is conditional on maintaining a current, valid Annual Platform Licence issued by Abiy3 Technologies. The Client acknowledges and agrees that:
Platform deployment is a one-time professional services engagement scoped and priced individually per client. Deployment fees are due as specified in the applicable service agreement. Abiy3 Technologies will use commercially reasonable efforts to deliver deployments within the agreed timeline, subject to the Client's timely provision of required access, credentials, and approvals at each milestone. Deployment fees are non-refundable once work has commenced.
The NexVault platform, including all software, architecture, designs, and documentation, is proprietary technology licensed for use. Nothing in these terms or any service agreement transfers ownership of the underlying platform technology to the Client. The Client retains ownership of their own data, branding assets, and any custom configurations developed specifically for and paid for by the Client.
To the maximum extent permitted by applicable law, Abiy3 Technologies shall not be liable for indirect, incidental, special, or consequential damages arising from the use of or inability to use the NexVault platform, including but not limited to loss of revenue, loss of profits, or business interruption. Our total aggregate liability for any claim shall not exceed the total fees paid by the Client in the twelve months preceding the claim.
Both parties agree to maintain the confidentiality of non-public information shared in connection with the services. This includes technical specifications, pricing, business plans, and customer data. Confidentiality obligations survive the termination of any service agreement.
Either party may terminate a service agreement as specified in that agreement. Upon termination, the Client's platform licence is suspended and platform access ceases. Data handling upon termination will follow the procedures defined in the applicable service agreement and data processing terms.
These Terms of Service shall be governed by and construed in accordance with the laws applicable to Abiy3 Technologies' place of incorporation, unless a specific governing law is agreed in a separately executed service agreement.
For questions regarding these terms, contact Abiy3 Technologies at info@abiy3.com.
How we protect the financial infrastructure we deploy and manage for our clients.
Every layer of the NexVault platform — from infrastructure to application to operations — is designed with financial-grade security as a baseline requirement, not a feature.
All data at rest is encrypted using AES-256. All data in transit is protected with TLS 1.3. Database columns storing personally identifiable information (PII) receive field-level encryption as an additional layer. No sensitive data exists in unencrypted form anywhere in the system.
Cryptographic key management uses Hardware Security Module (HSM) integration supporting FIPS 140-2 Level 3 compliance. Keys are never exposed in software memory. Secrets management for all service credentials uses HashiCorp Vault with strict rotation policies and least-privilege access.
Zero-trust network architecture. Role-based access control (RBAC) with principle of least privilege enforced across all platform components. IP allowlisting, mandatory MFA, and session management for all administrative access. Abiy3 Technologies staff access to client environments is restricted, logged, and auditable.
Immutable, tamper-evident audit logs capture every action — user activities, API calls, configuration changes, and all transaction events. Logs are stored in isolated, append-only storage separate from application data. Full audit trails are available for regulatory review at any time.
If you have identified a potential security vulnerability in the NexVault platform or in any Abiy3 Technologies systems, please contact us immediately and responsibly. We take all security reports seriously and will acknowledge receipt within 24 hours.
CONTACT: INFO@ABIY3.COM
SUBJECT: SECURITY DISCLOSURE