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FinTP is a complete open source application that processes financial messages, automates flows and offers operational risk containment and compliance to regulatory and industry standards.


FinTP and all ancillary documentation is distributed freely and openly through the FINkers United community and provides collaboration ground for rapid development and integration of new technologies, such as crypto currencies, biometric security, data analysis algorithms. This creates an open infrastructure for achieving real-time payments and a better management of liquidity and assets.


FinTP source code complies with GPLv3 license and it capitalizes on a 12 years practice proven qPayIntegrator designed and implemented by Allevo back in 2002. FinTP’s predecessor has been live at 10 financial institutions and has successfully managed their daily operations, automating their flows, centralizing their transactions and ensuring end-to-end interoperability.




FinTP is a reliable FinTech middleware to manage the transactions flows with features for:

Business area: liquidity reporting and forecasting, enhanced interoperability with the bank's corporation customers, as well as flexible service for individuals based on the extended use of SWIFT standardized messages set for remittances (SWIFT Remit).



Operations area: support for the most popular financial information transfer instruments (payments, direct debit, debit instruments and securities), as well as multicurrency enablement, and operational risk containment functionalities (such as accounting reconciliation, duplicate detection, AML filtering, competitive alerts).

IT area: insurance of the data quality: end-to-end persistent transactions, system resilience (transactions mirroring to back-up platform), native ISO20022 support, easy operational and data flows configurations through embedded XML schemas etc.


Core features:

1. technical integration between different business applications
2. data conversions to/from different formats
3. message routing and archiving
  • Duplicate Detection (coded 2D) is an early alerting tool of possible duplicated transactions (either issued by the back-office/ERP application(s) or received from the banks or market infrastructures), providing grounds for further investigations and decisions
  • Direct Debit (coded DD) provides the specific formatting related to the implementation for Direct Debit transactions
  • Debit Instruments (coded DI) ensures the management (receiving, sending and processing) of payments made through cheques, promissory notes, bills of exchange - during their business life-cycle
  • AML Filtering (coded AML) provides message filtering with detection of possible money laundering transactions, for both high and low value payments (i.e. SWIFT MT, MX and proprietary message structure), using 20+ supported 'black lists' and ensuring their content maintainability
  • Accounts Reconciliation (coded ReconS) is either a stand-alone product or an optional feature of qPayIntegrator and provides NOSTRO/VOSTRO accounts reconciliation, intraday liquidity reports and integrated exception management, with exception memorizing to maximize automatic reconciliation
  • Availability (coded FMA) ensures transactions mirroring from the production site to the remote backup site of qPayIntegrator. beside real-time resilience at transactions level, the solution provides additional attractive features like monitoring and event management
  • Competitive reports (coded TR) offers several analyses and reports of the market trends, along with early alerts
  • Liquidity Reporting (coded ML) ensures real-time cash reports and forecasts using several reporting criteria, in a consolidated view
  • Remittances (coded Remit) deals with the collections, processing and distribution of remittances
  • Treasury markets (coded TREZ) allows the automation of treasury flows (FX and money market)
  • Statements (coded STM) deals with processing the SWIFT messages related to the correspondent banks account admin (MT940/MT950 statements, MT900/MT910 confirmations)
  • Funds Transfer (coded FT) extends TIP functions with customer credit transfer and interbank funds transfer (FIN), to enable correspondent banking business
  • SEPA compliance (coded SEPA) extends TIP functions with the European Payments Council (EPC) regulations regarding the Single Euro Payment Area (SEPA).
  • TARGET 2 Interface (coded T2) extends TIP functions to comply with TARGET2 settlement
  • Romanian Payment System Interface (coded SEP) extends TIP enabling the financial institutions to connect to the specific Romanian clearing & settlement systems for
  • Romanian Payment System Interface 2011 upgrade (coded SEN) extends SEP functions to comply with the upgrade of the SENT system (the low value payment settlement system of TransFonD - the Romanian CSM)
Intertek ISO 9001:2008CMMI Level 2ISO  9001/2008 Dun & Bradstreet