Multi-currency accounts
Balances by currency, transactions by day with categories, detail and receipt for each transaction, statements and bank certification.
BankIA / Platforms / BankIA digital banking
BankIA
White-label digital bankingA digital banking platform with your brand and your rules.
Customer portal, admin console and money rules calculated on the server, not in the browser. You change the name, logo, colors and vocabulary; you receive your own instance with domain, database and scheduled tasks.
- Money calculations on the server
- Ledger with traceability
- Identity verification
- Four languages
Savings accountUSD · available
1,250.00Transfer a AnaToday · fee calculated on the server
−100.00Virtual cardOnline purchases enabled · daily limit
ActiveIllustrative example with fictitious data.
What it includes today
All of this already works on the platform. What is not there yet we state in “Limits of the current version”.
Transfers controladas
Fees, currency exchange and daily limits are calculated on the server; the browser cannot alter them. Every transaction is recorded in the ledger.
Cards with controls
Freeze, turn off online purchases, use abroad and ATMs, daily cap, PIN and travel notice.
Budgets and goals
Monthly spending by category, caps with alerts at 80% and 100%, and savings goals tied to the budget.
Loans, CDT and simulator
Loans with an amortization schedule and usury cap, fixed-term CDTs, scheduled payments and a loan simulator.
Pay and get paid easily
Transfers by @user key or verified email, payment requests via link and QR, and bill payments with receipt.
Security center
Devices and sessions with remote sign-out, sign-in history, email alerts, push notifications and two-step verification.
Identity verification
Customer onboarding with documents and review by the team before operations are enabled.
Languages and accessibility
Spanish, English, Portuguese and Quebec French; dark mode; AA contrast and keyboard navigation.
Built for moving money
Summary of the measures verified on the platform. The details are on the security page.
Exact money
Amounts as exact decimals and parameterized queries: no rounding errors or SQL injection.
Form protection
Every submission carries protection against request forgery and strict security headers.
Ledger
Every transaction is recorded with its date and source; it is never modified, it is offset.
Dual control
Sensitive console operations require approval from another person.
Your team, with the tools it needs
Users and roles
Permissions by role, from read-only to administrator.
Verification and approvals
Identity review and approvals with dual control.
Reports and rates
Operational reports, rates, fees and configurable limits.
Audit
Log of administrative actions with who, what and when.
Customer help without touching their money
Today: explainable rules. Tomorrow: generative AI, with read-only permissions and human confirmation.
TodayWhat it does today
- Thinking of you. Explainable suggestions about budget, savings and due dates, with the reason behind each and the option to dismiss them.
- Categorization with custom rules. The customer defines rules to classify their expenses.
- Help center assistant. Answers usage questions based on the platform’s help texts.
Coming soonWhat’s coming
- Conversational financial assistant. Balance and spending queries under the same permission as the customer, without moving money.
- Detection of unusual transactions. Signals for the team to review, without blocking anything on their own.
- Monthly summaries in plain language. What changed in your finances this month.
Anything marked “Coming soon” does not exist yet. No AI feature will move money without confirmation from a person.
From decision to your instance up and running
- 1
You choose the package and brand
Name, logo, colors, vocabulary and country. Standard platform or with customization.
- 2
We create your instance
Own domain, separate database and scheduled tasks, on the same codebase as the rest of the family.
- 3
Testing with your team
We walk through the flows with test data before any real use.
- 4
Your institution operates
Monthly support and updates. Every improvement arrives through the same channel.
What it does not include yet
The platform is a demo version. Saying so clearly is part of selling it well.
- It does not operate with real money. Balances and transactions are simulated.
- It does not connect to card networks. The controls store a state and notify; they do not block on a payment network.
- It does not send SMS messages. That requires a messaging provider.
- Its billers are for demonstration only. Real collection is connected case by case.
- It has no deposit protection. BankIA is software: it is not a financial institution.
Buy the platform with your brand
One-time sale plus a monthly fee for support and updates.
BankUSD
Platform sale
$9,999
- Support and updates $999 /month
- With customization: sale + customization from $2,999
CooperativeCOP
Platform sale
$5,900,000
- Support and updates $990,000 /month
- With customization: sale + customization from $1,900,000
Customization: logo, name, vocabulary, colors and custom rules; quoted according to scope.
Frequently asked questions about BankIA
Is BankIA a bank?
No. It is software. The institution that uses it is responsible for its license, its operation and its regulatory compliance.
Can it operate with real money today?
No. It is a demo version. Before operating with real money, the security hardening, the independent audit and the connections to payment methods are completed.
Who calculates the fees and limits?
The server. The browser only displays the results and cannot alter them.
Can I have my own brand and domain?
Yes. Each customer gets their own instance with its own domain, brand and database.
Which languages does it support?
Spanish, English, Portuguese and Quebec French.
How is it updated?
The monthly fee includes updates. Every deployment is verified and rolled back if something fails.
See BankIA running with your brand.
Tell us about your institution and we will put together a demo with your name, your colors and your vocabulary.