AI & FINTECH PLATFORM MODULES & FEATURES
1.
AI Compliance & Onboarding Module
AI-powered. Zero waiting time.
Peymo’s AI Compliance & Onboarding Module delivers a unified solution for fast customer activation, intelligent transaction monitoring, and real-time compliance oversight. By consolidating onboarding, payment flow surveillance, and data protection into one plug-in module, businesses gain a scalable AI layer that integrates seamlessly with licensed providers via secure APIs.
The system automates ID and document verification (passports, utility bills, incorporation docs), reducing onboarding times from days to seconds. For businesses, this means smoother corporate onboarding with transparent handling of shareholder and director documents (MoU, AoA, certificates of incorporation, etc.) — all processed objectively, without human bottlenecks.
Once activated, AI continuously monitors transactions, linking them to supporting documents like invoices or loan agreements, while flagging anomalies and potential fraud patterns instantly. Compliance is embedded throughout, with automated audit trails, regulatory alignment (GDPR, CCPA, AML/KYC), and AI-driven anomaly detection.
The result: faster onboarding, seamless transaction oversight, reduced operational cost, and enterprise-grade compliance — without building heavy infrastructure in-house.
2.
AI Cyber Defense Hub module
AI Cyber Defense — Proactive protection against digital threats.
Peymo’s AI Cyber Defense Hub safeguards your financial environment from evolving cyber risks by combining advanced threat detection, behavioral analytics, and autonomous response capabilities. Unlike static security measures, the module continuously learns from global attack patterns, enabling it to detect zero-day exploits, phishing attempts, and unusual network behavior before they escalate.
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Delivered as a lightweight AI layer, it integrates with your infrastructure via secure APIs and supports both cloud and on-premise deployments. From intrusion detection to ransomware defense, the hub gives businesses enterprise-grade cyber resilience without the complexity of managing in-house SOC operations. The system automatically isolates compromised endpoints, enforces multi-layer encryption, and provides real-time alerts, ensuring your platform stays operational even under active attack. With Peymo’s AI-driven cyber defense, businesses gain the confidence to scale securely while maintaining user trust.
3.
AI-Powered Support Module
24/7 voice-controlled human-level help.
Peymo’s AI support engine brings instant, human-level assistance to your platform without increasing operational costs. Using advanced natural language processing and voice control, it can answer user questions, walk them through processes, and resolve common issues in real time. This reduces the workload on your support team while improving response times and user satisfaction.
The system can be branded and customised to match your company’s tone and integrated seamlessly into your platform interface. Unlike traditional help desks, it learns from past interactions to improve accuracy and anticipate user needs, resulting in faster resolutions and fewer repeat tickets. With support available 24/7 through a conversational interface, your users get reliable guidance anytime—without waiting for human intervention.
4.
AI Risk Analytics Engine
Real-time scoring & behavioral modelling.
Peymo’s AI risk engine enables businesses to apply advanced risk scoring, behavioral analytics, and predictive fraud detection directly within their own licensed environments. The system evaluates user patterns in real time, spotting inconsistencies and potential threats early, so your compliance team can act before risks escalate. It integrates easily with your existing KYC/AML systems, eliminating the need to build a complex analytics infrastructure from scratch.
By automating risk evaluation, companies can handle larger transaction volumes while reducing false positives, manual reviews, and compliance delays. Machine learning models continually adapt to new fraud behaviors, strengthening your defences as your user base grows. This empowers businesses to expand confidently, knowing that their risk framework evolves as quickly as the market itself.
5.
Voice AI Insights Module
Ask anything. Get answers instantly.
Peymo’s voice AI assistant brings natural language interaction to your entire platform. It enables users and staff to ask questions, request data, and trigger actions verbally, transforming how people navigate complex systems. Instead of searching through menus or dashboards, they can ask for the information they need—such as analytics reports, risk summaries, or transaction statuses—and get instant responses.
This dramatically improves usability, especially for non-technical staff, and reduces training time. Voice AI can also deliver proactive guidance, suggesting next steps or flagging anomalies as they appear. Fully customizable, it integrates securely into your platform while maintaining control over all data and compliance. The result is a seamless hands-free experience that enhances productivity and user satisfaction.
6.
AI-Enhanced SaaS Platform
Modular financial software, tech layer only.
This is the core of Peymo: a modular SaaS platform designed for AI-powered financial infrastructure. It allows businesses to choose the modules they need—onboarding, payments, risk, support—and integrate them via secure APIs directly into their licensed environments. The architecture is purpose-built for high scalability, security, and compliance compatibility, enabling rapid launches without building from scratch.
Each module can be activated independently and upgraded over time as your needs grow, giving you full flexibility to adapt to new markets or regulatory frameworks. By separating the technology layer from licensed financial operations, Peymo lets you move faster while retaining full control of licensing, data, and compliance responsibilities.
7.
AI Growth & Referral Engine
Automated referrals and network mapping
Peymo’s growth engine embeds AI referral agents across your user base to map relationships, detect sharing patterns, and drive organic expansion. It analyses behaviour to identify the most influential users and encourage them to bring others onboard, turning your customer base into your best marketing channel.
The system automates outreach, creates personalised referral offers, and tracks performance in real time. This helps companies grow faster without spending heavily on traditional marketing. Because it integrates directly into your licensed platform, all user data remains under your control while the engine continuously learns and optimises its approach
8.
AI Marketing Optimization Suite
Create, test, and scale campaigns faster.
Peymo’s AI marketing suite gives your team a full campaign engine powered by machine learning. It generates creative content, tests multiple ad variations, and optimises conversion rates automatically. The system continuously analyses engagement data across channels and reallocates budget to the highest-performing campaigns. This lets companies grow faster while using fewer resources, reducing the need for large marketing teams or external agencies.
It works across social media, email, search, and display networks, giving you centralised oversight and automated reporting. Fully API-ready, the suite integrates seamlessly into your platform and scales as your audience grows—so you can focus on strategy while the AI handles execution.
9.
Account Integration Module (IBAN Connector) *)
Seamless bank account integration via API.
Peymo’s IBAN Connector enables licensed institutions and payment providers to integrate banking providers into their platforms without building the necessary infrastructure themselves. Through a secure API layer, your platform can display and manage user IBANs from regulated banking providers while Peymo simply powers the technology interface. This allows your users to view balances, send and receive payments, and access account-related data — all from within your branded environment.
The module is designed for fast deployment and full compliance flexibility, leaving licensing, funds handling, and KYC responsibility entirely with your regulated provider. By removing the need for custom development and enabling a plug-and-play banking interface, Peymo helps businesses accelerate their go-to-market and provide a seamless experience to their end users.
*) DISCLAIMER:
These services are delivered through regulated financial providers, operating under appropriate licensing frameworks
10.
Payment Gateway Connector
Embed payment processing through one API.
Peymo’s Payment Gateway Connector provides an all-in-one API layer for integrating payment processing from your licensed providers. It enables secure online and in-store payments directly inside your own platform, without the complexity of building and maintaining gateway infrastructure. This includes transaction routing, error handling, and real-time status updates, ensuring smooth payment flows at scale.
The module supports multiple payment methods—cards, digital wallets, and bank transfers—while leaving all fund handling to your regulated providers. With fast setup and a flexible architecture, businesses can expand their payment capabilities globally without major development costs. The connector is ideal for companies seeking to unify their payment experience across markets and channels through a single technical interface.
11.
Merchant POS Module
Accept payments anywhere, anytime.
The Merchant POS Module enables your platform to support point-of-sale transactions through smartphones, tablets, or physical terminals provided by your licensed payment providers. Peymo delivers only the software layer, allowing merchants to accept payments quickly and securely while all funds remain under provider control. This gives businesses a complete in-store payments solution without needing to develop their own POS ecosystem.
The module supports contactless, chip-and-PIN, QR, and wallet-based payments, and comes with built-in reporting tools to track sales and performance. It is designed to be brandable, fast to deploy, and compatible with any existing provider infrastructure. With it, businesses can offer their merchants a fully integrated payments experience that improves speed, reliability, and customer satisfaction
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12.
API Marketplace & Developer Hub
Extensible ecosystem for third-party innovation.
Peymo's API Marketplace transforms your platform into an extensible ecosystem where third-party developers can build, test, and deploy complementary services. It provides a complete developer portal with sandbox environments, comprehensive documentation, SDK libraries, and monetization tools—all while maintaining your platform's security and compliance standards. Developers can create plugins for specialized use cases (industry-specific workflows, regional payment methods, custom analytics) and distribute them to your user base.
The marketplace includes automated testing, version control, and usage analytics, ensuring quality while scaling your platform's capabilities without internal development costs. This creates a network effect: as more developers join, your platform becomes more valuable, attracting more users and creating multiple revenue streams through revenue sharing or subscription models.
13.
Transaction & Ledger Engine
Real-time routing and reconciliation.
Peymo’s Transaction & Ledger Engine gives your platform an advanced data layer for managing payment records, routing, and reconciliation between multiple licensed providers. It does not handle or move funds itself—instead, it provides a secure, auditable record system to track financial flows as they occur.
The module standardises transaction data, provides real-time status updates, and enables automated reconciliation between your platform and provider systems. This helps prevent errors, reduce manual bookkeeping, and ensure full audit readiness. With high scalability and low latency, it can support millions of concurrent transactions while maintaining accuracy and security. Businesses can deploy it to create a reliable financial backbone that keeps them in control of data while providers manage the funds.
14.
Remittance Network Connector
Connect to licensed global payout networks.
Peymo’s Remittance Network Connector provides a secure data bridge between your platform and licensed cross-border remittance providers. It allows businesses to offer international payouts or transfers while keeping all regulatory responsibility and funds handling with their chosen providers.
The module enables real-time status tracking, automated error handling, and unified reporting across multiple networks, significantly reducing the complexity of managing global payments. With a single API integration, companies can access multiple corridors and providers, ensuring flexibility and redundancy as they grow. Peymo delivers only the tech layer, giving you control of the user experience without the burden of licensing or compliance overhead.
15.
Modular Platform Suite
Select, combine, and deploy at scale
Peymo’s Remittance Network Connector provides a secure data bridge between your platform and licensed cross-border remittance providers. It allows businesses to offer international payouts or transfers while keeping all regulatory responsibility and funds handling with their chosen providers.
The module enables real-time status tracking, automated error handling, and unified reporting across multiple networks, significantly reducing the complexity of managing global payments. With a single API integration, companies can access multiple corridors and providers, ensuring flexibility and redundancy as they grow. Peymo delivers only the tech layer, giving you control of the user experience without the burden of licensing or compliance overhead.
16.
Payment Features Suite
Complete toolkit for digital payments.
Peymo’s Payment Features Suite offers a collection of ready-made tools for digital payments, including invoicing, payment links, checkout pages, and payment management modules. Delivered via API, these tools let businesses enable payments inside their platform without custom development or compliance burden. End users can pay via cards, wallets, or bank transfers, while your licensed providers handle all funds.
The suite includes real-time status tracking, automated notifications, and reporting dashboards to keep your team in control. With brandable interfaces and multi-currency support, it’s designed to enhance user experience while reducing time to market. This makes it an ideal solution for companies seeking to launch payment functionality quickly and scale it globally.
