What your institution can build with Alodiga.
Six business models and the modules they typically combine. Each case includes an illustrative scenario to make the idea concrete.
Remittances without relying solely on correspondent banking
Modular infrastructure for money transfer companies that want faster settlement and a transparent exchange rate.
Scenario walkthrough
- Customer in the US pays in dollars
- Rate is locked and AML screening is applied
- Settlement over a local destination rail
- Credit to a wallet or account in Colombia or Mexico
What you can do
- Orchestrate bulk international transfers and recurring payments
- Integrate KYC/AML and risk monitoring as a service
- Settle over local payment networks
- Show the applied exchange rate with a configurable margin
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Exchange rate | Margins hidden in the rate | Visible rate and a margin set by your institution |
| Time to launch | Bilateral integrations with each correspondent | One API that enables collections and settlements |
| Compliance | False positives that block legitimate customers | AI monitoring built into the payment flow |
Discuss this case with an architectA remittance company receives dollars in the United States and settles them minutes later into local wallets in Colombia or Mexico, automatically and with a margin defined for each corridor.
A neobank built on ready-made components
To launch a digital bank or modernize an existing institution without building an accounting core from scratch.
Scenario walkthrough
- Sign-up with liveness check from a mobile phone
- Account opened in AloCore
- Virtual card issued instantly
- Card available in Apple Pay or Google Pay
What you can do
- Run multi-currency accounting with no-code configurable products (AloCore + PIE)
- Issue physical and virtual cards with provisioning to Apple Pay and Google Pay
- Verify identity (KYC/KYB) with biometrics from a mobile phone
- Authorize funds with dynamic rules (just-in-time funding)
- Integrate with Open Finance ecosystems through ISO 20022
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Time to launch | Building your own core takes years | Ready-made components that are assembled and configured |
| Costs | Hardware and perpetual licenses | Pay-per-use cloud service |
| Flexibility | Every new product depends on legacy system developers | Savings or credit products configured from the dashboard |
Discuss this case with an architectA fintech focused on digital nomads launches its first physical and virtual card with biometric account opening from a mobile phone, while Alodiga runs the core banking behind it.
Acquiring that approves more and fails less
Acquiring platform for processors seeking per-transaction profitability and resilience against outages.
Scenario walkthrough
- Payment at the supermarket checkout
- AloPay picks the route through acquirer A
- Acquirer A does not respond: retry through B
- Sale approved and reconciled
What you can do
- Dynamically choose the best rail for each transaction
- Block attacks with predictive fraud models
- Unify e-commerce, physical stores and Punto Digital
- Speed up settlement to merchants
- Tokenize cards for recurring payments
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Availability | If the acquiring bank goes down, the sale is lost | Automatic retry through another processor |
| Fraud | Static rules that hurt conversion | Models that learn from the ecosystem |
| Integration | Outdated documentation and SOAP | REST APIs, SDKs and sandbox |
A supermarket chain uses AloPay at its checkouts: if bank A's gateway fails, the payment is automatically rerouted to bank B in under a second.
Modules involved
Financial inclusion with big-bank technology
Modular digitization for credit and savings institutions, starting with channels and without putting the current system at risk.
Scenario walkthrough
- Member opens the app in a low-signal area
- Applies for a microloan
- PIE calculates the score with alternative data
- Disbursement recorded in the current core via AloConnect
What you can do
- Open accounts with digital KYC in remote areas
- Assess loans with an AI scoring engine (PIE)
- Offer white-label mobile banking optimized for low connectivity
- Manage savings and microcredit portfolios
- Modernize with middleware, without a big-bang replacement
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Inclusion | Generic apps that do not work in rural areas | Experience designed for entry-level devices and weak signal |
| Credit | Committees reviewing paperwork for days | Real-time scoring with alternative data |
| Modernization | Risky full replacements | New channels first, current core untouched |
Discuss this case with an architectA rural savings bank launches its app connected to its existing software: members check balances, make transfers and apply for microloans without traveling to a branch.
Pay thousands of people on the same day
For platforms that pay workers, suppliers and affiliates on a recurring basis and at scale.
Scenario walkthrough
- Payment file exported from the ERP
- Beneficiary validation (KYC)
- Payout over local payment networks and wallets
- Webhook tells the app whether it was credited or failed
What you can do
- Disburse to bank accounts, prepaid cards and wallets
- Validate beneficiaries with bulk KYC
- Reconcile in real time with treasury dashboards
- Integrate with ERPs such as SAP, Oracle, NetSuite or QuickBooks
- Collect and validate tax forms
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Cost per payment | Expensive, slow international transfers | Local rails and destination wallets |
| Demand peaks | Outages on paydays or bonus runs | Asynchronous architecture with Kafka |
| Traceability | Nobody knows which intermediary bank holds the money | Status of each payment via webhook |
Discuss this case with an architectA mobility app pays weekend earnings to thousands of drivers on Monday morning, directly into their local accounts and without manual reconciliation.
Inventory financed and tracked by VIN
Inventory financing for dealership networks, with per-unit control and automatic matching against the sale.
Scenario walkthrough
- Vehicle invoice with VIN and CUFE
- The bank checks the credit line limit
- Vehicle sold and registered (RUNT lookup)
- Debt settled by matching with Plan Menor
What you can do
- Finance new, used and demo vehicles
- Track spare parts, components and accessories
- Follow each unit by its VIN
- Validate registration and transit status with RUNT
- Manage limits per credit line, novations and renewals
| Aspect | Traditional approach | With Alodiga |
|---|---|---|
| Liquidity | The dealership bears the cost of its showroom | Financed inventory that preserves cash |
| Control | Spreadsheets and on-site visits | Automated tracking by VIN |
| Collection | Lengthy processes after the sale | Automatic matching with Plan Menor upon sale |
An automotive brand supplies its dealership network: when a vehicle is sold and registered, the platform detects it via RUNT and deducts it from the dealership's credit line.
Modules involved
See how Alodiga fits your institution, using your own case.
Tell us what you want to launch or modernize and which systems you run today. We will walk you through the platform with your case and a phased roadmap, with no commitment.
- We contact you through the channel you prefer.
- Demo with a solutions architect, focused on your current systems.
- Phased proposal: which module first, why, and what result to expect.
Or directly: info@alodiga.com · +1 305 815 4862