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Start with the outcome you need. We bring the modules that make it possible.

Six goals that banks, cooperatives, remittance companies and fintechs bring to us every week. Each solution combines ready-built modules, connects to your current core and grows in stages.

Design my solution with an architect See the 6 solutions

Solution 01 · Modernize the core

Modernize your core banking without switching off the bank.

Connect your current system to a modern layer today and migrate product by product when you decide.

The problemEvery change to the core is a months-long project, and a big-bang migration is a risk nobody wants to sign off on.

  • No big-bang migrations

    AloConnect wraps your core and translates its protocols. Products move to AloCore one at a time.

  • New products without touching your current system

    PIE configures loans, savings and factoring with no code, on top of what you already have.

  • Instant accounting

    Immutable ledger with real-time reconciliation, instead of overnight batch processes.

  • Ready for Open Finance

    REST and ISO 20022 APIs to connect with ERPs, regulators and third parties.

Today

  • Changes that depend on the legacy system vendor
  • Fragile point-to-point integrations
  • Balances that close the next day

With Alodiga

  • Your team configures products from a dashboard
  • A monitored integration layer
  • Real-time balances and accounting

Ideal for

Banks with a legacy core · Growing cooperatives · Groups with multiple entities

I want this solution See a use case

Solution 02 · Launch digital banking

Launch your digital bank or wallet under your own brand.

Ready-built components to go to market with your brand, without coding a core or an app from scratch.

The problemCustomers expect to open an account and pay from their phone, and building all of that in-house takes years.

  • White-label app

    Wallet with virtual cards, QR, P2P payments, loyalty and fiat and digital balances.

  • Remote account opening

    Liveness check, document capture and list screening, with no branch visit.

  • Remote human assistance

    AloMeet adds video calls, co-browsing and e-signature for assisted sales.

  • Core included

    Multi-currency accounting and configurable products behind the app from day one.

Today

  • In-person onboarding abandoned halfway
  • A generic third-party app
  • Every new product requires development

With Alodiga

  • Accounts opened from a mobile phone
  • An experience with your brand and colors
  • Products activated from the dashboard

Ideal for

Neobanks and fintechs · Banks that want their own digital channel · Brands that want to offer financial services

I want this solution See a use case

Solution 03 · Collections and acquiring

Get paid on every channel and approve more payments.

Acceptance on web, app, QR and NFC with smart routing across acquirers, and one console for your entire network.

The problemDeclined payments that are lost, expensive terminals that hold small merchants back and a network that is hard to manage.

  • The phone is the terminal

    Punto Digital accepts NFC card and QR payments from a smartphone, with no extra hardware.

  • More approved payments

    AloPay routes each transaction and retries with another acquirer when one fails.

  • Your network under control

    Business Portal for points of sale, operators, licenses and transfers.

  • Fraud filtered before authorization

    Risk scoring with explainable AI within the payment flow itself.

Today

  • A single acquirer: if it goes down, the sale is lost
  • Physical terminals for every merchant
  • Network reports in spreadsheets

With Alodiga

  • Automatic routing and retries
  • Payments accepted on the merchant's phone
  • The whole network visible in one console

Ideal for

Payment processors · Acquirers · Aggregators and merchant networks

I want this solution See a use case

Solution 04 · Fraud and compliance

Stop fraud and satisfy the regulator without slowing down the customer.

Every transaction is assessed in real time and your team only handles the alerts that matter, with the evidence already assembled.

The problemManual reviews that eat into margins, false positives that block good customers and audits prepared by hand.

  • Real-time decisions

    AI transaction monitoring, account takeover (ATO) detection and per-transaction scoring.

  • AI that can be explained

    Every risk decision shows its reasons: useful for your team and for the regulator.

  • Biometric KYC/KYB

    Liveness check, documents and PEP and OFAC list screening built into onboarding.

  • Audits without spreadsheets

    Immutable records by user and action, and suspicious activity reports generated from the platform.

Today

  • Fixed rules that fraudsters learn to evade
  • Compliance in a separate system
  • Evidence assembled by hand for every audit

With Alodiga

  • Models that adapt to behavior
  • KYC/AML within the operational flow
  • Full, searchable traceability

Ideal for

Regulated institutions · Issuers and processors · Remittance companies and fintechs

Modules it includes

I want this solution See a use case

Solution 05 · International payments

Move money across countries with a single integration.

One API for remittances and mass payouts over local payment networks, SWIFT and SEPA, with compliance built into the flow.

The problemEach corridor is a different bilateral integration, margins are hidden in the rate and settlement takes days.

  • One API for many countries

    Collections and settlements over local payment networks, SWIFT and SEPA from a single integration.

  • Transparent rate

    The customer sees the exchange rate applied and your institution sets the margin per corridor.

  • Mass payouts

    Disbursements to accounts, cards or wallets for payroll, suppliers and platforms.

  • AML on every transfer

    Built-in screening and monitoring, with no separate manual step.

Today

  • Reliance on correspondent banking
  • Margins hidden in the exchange rate
  • Manual reconciliation per corridor

With Alodiga

  • Settlement over local payment networks
  • Visible rate and configurable margin
  • Automatic reconciliation

Ideal for

Remittance companies · Platforms with mass payouts · Banks with cross-border business

I want this solution See a use case

Solution 06 · Credit and financing

Originate credit, factoring and financing in weeks, not quarters.

Configure credit products with no code, assess risk with data and track every operation through to settlement.

The problemLaunching a new credit line depends on development, and risk is assessed with incomplete information.

  • No-code products

    PIE sets rates, terms and conditions for loans and savings from a dashboard.

  • End-to-end factoring

    Invoice upload, debtor assessment and settlement in a single flow.

  • Inventory financing

    Plan Mayor finances vehicles and spare parts with traceability by VIN.

  • Credit for communities

    Community Banking combines accounts, cards and microcredit with biometric onboarding.

Today

  • Every credit line is a development project
  • Risk assessed with spreadsheets
  • Little visibility into the loan lifecycle

With Alodiga

  • Products launched from the configurator
  • Assessment with platform data
  • Full lifecycle visible per customer

Ideal for

Cooperatives and microfinance institutions · Finance and factoring companies · Dealership networks

I want this solution See a use case

No years-long projects. No single cutover date.

Every solution starts the same way: with the piece that delivers results soonest, alongside what already works.

  1. Assessment

    A session with an architect to understand your systems, your priorities and your regulator.

  2. First module

    Together we choose the piece that delivers value soonest and connect it to what you already have.

  3. Coexistence

    Operations keep running: the new and the existing work in parallel.

  4. Scale

    Add modules when you need them, on the same platform and the same data.

Not sure where to start?

Tell us what you want to achieve and which systems you work with today. We will propose the first step and the order of the next ones.

Book a demo Message us on WhatsApp

What happens next

  1. We contact you through the channel you prefer.
  2. Demo with a solutions architect, focused on your current systems.
  3. Phased proposal: which module first, why, and what result to expect.

Or directly: info@alodiga.com · +1 305 815 4862