What is the monthly platform fee?
US$35,000 per month covering licence, compliance, technology and operations.

What is included in the fee?
All core banking technology, AML/KYC, operations, compliance, support and licence coverage.

How are profits shared?
Partners keep 90% of net profit, with reconciliations and true-ups defined in contract schedules.

Are there hidden costs?
No, the single platform fee covers all bank operations.

Can I forecast revenues?
Yes, EQIBank provides forecasting models upon request.

Can the profit-share be adjusted?
The standard model is 90% to the partner, 10% to EQIBank, aligned to growth.

What if transaction volumes exceed forecasts?
The model scales automatically, with reporting handled monthly.

How are reconciliations managed?
Automated monthly revenue and cost packs are prepared by EQIBank.

Is the fee the same for all industries?
Yes, one monthly fee applies regardless of sector.

Do I pay extra for compliance operations?
No, compliance is included in the monthly fee.

What happens in weeks 1–2 of onboarding?
Mobilisation, compliance checks, brand configuration and environment provisioning.

What is done in weeks 3–6?
Platform configuration, AML/KYC flow setup, reporting layouts and runbooks.

What is completed in weeks 7–10?
UAT, staff training, soft launch cohorts, go-live and hypercare.

What is hypercare?
Intensive post-launch support to stabilise operations and resolve issues.

Can I choose my own launch date?
Yes, implementation can be scheduled to fit your market strategy.

Do I need to hire technical staff?
No, EQIBank operates all technology and compliance functions.

What training is provided?
Structured administrator training, knowledge base access and relationship manager support.

Is implementation phased or all-at-once?
It can be phased by product set or delivered in a full launch.

Who manages operating model workshops?
EQIBank conducts workshops with your leadership during mobilisation.

What governance exists during rollout?
Monthly performance reviews, incident postmortems and contract-driven governance.

What products can I offer under my brand?
Accounts, payments, debit cards, lending, custody, escrow, P2P transfers, over-the-counter trading (stocks, shares, crypto) FX and more.

What currencies are supported?
100+ major and regional currencies.

Can clients open multicurrency accounts?
Yes, multicurrency accounts are fully supported.

Can I issue Visa debit cards under my brand?
Yes, EQIBank handles Visa scheme compliance and issuing.

What payments are available?
SWIFT plus supported domestic rails with pre- and post-instruction screening.

Can I offer P2P transfers?
Yes, instant peer-to-peer transfers are available within your branded app.

What lending options exist?
We focus on lending against assets such as stocks, bonds and cryptocurrency. But other types of loans are available.

Can loans be backed by digital assets?
Yes, approved digital assets can be used as collateral.

Does EQIBank support FX trading?
Yes, deep liquidity OTC and FX services with best-execution routing.

Can I offer custody services?
Yes, segregated custody for both digital and traditional assets is included.

Does EQIBank provide escrow accounts?
Yes, funds can be held in escrow with controlled release triggers.

Can I add asset management features?
Yes, partners can offer digital advisory and selected fund access.

Are mobile apps included?
Yes, EQIBank hosts a whitelabel web enabled platform.

Is the platform configurable?
Yes, limits, fees, risk thresholds and content are all configurable.

Can I customise the product menu?
Yes, your brand chooses which products to offer from the service catalogue.

Can lending workflows be automated?
Yes, origination, underwriting and decisioning are partly automated.

Does the system support chargebacks?
Yes, EQIBank manages disputes, chargebacks and Visa reporting.

Can OTC trading include digital assets?
Yes, we provide trading facilities of all major cryptocurrencies.

Can gaming or media apps integrate wallets?
Yes, wallets

Who handles AML compliance?
EQIBank runs AML monitoring, sanctions screening and reporting.

Who manages KYC and KYB?
EQIBank conducts onboarding and ongoing KYC/KYB checks.

Are politically exposed persons screened?
Yes, PEP screening is built into the compliance flow.

Who files suspicious activity reports?
EQIBank handles SAR filings with regulators.

How is transaction monitoring performed?
Through automated screening and behavioural analytics systems.

How are fraud risks reduced?
Velocity controls, rules tuning and continuous monitoring are included.

Does EQIBank handle disputes?
Yes, cardholder disputes and chargebacks are managed end-to-end.

How is data secured?
Encryption in transit and at rest, with role-based access control.

Is the system resilient to outages?
Yes, high availability with mirrored secondary sites and tested failover.

Is there an immutable audit trail?
Yes, all transactions are logged with immutable records.

How often are controls tested?
Risk rules and controls are regularly tested and audited.

Are compliance frameworks customisable?
Yes, frameworks are aligned to agreed markets and products.

Can I access compliance dashboards?
Yes, management information dashboards are provided.

How are regulators engaged?
EQIBank maintains direct regulator relationships on your behalf.

Does EQIBank manage enhanced due diligence?
Yes, EDD is included for high-risk clients.

Are sanctions updated in real time?
Yes, sanctions lists are continuously refreshed.

Does EQIBank handle model governance?
Yes, model governance and reporting are part of the service.

How is access controlled internally?
Role-based least-privilege access is enforced.

What business continuity measures exist?
Disaster recovery and continuity are tested and documented.

Are there fraud dashboards available?
Yes, risk and fraud MI dashboards are included monthly.

What does EQIBank operate daily?
Licence, compliance, core tech, cards, payments, lending, custody, treasury and risk.

What do I operate daily?
Your brand, client acquisition, pricing and first-line support.

What responsibilities are shared?
Roadmap planning, pricing exceptions, performance reviews and incident postmortems.

Do I get a dedicated relationship manager?
Yes, every partner is assigned a named relationship manager.

Is training ongoing or one-off?
Ongoing training is provided with release notes and knowledge base updates.

What governance is included?
Structured SLAs, change control and escalation paths are built in.

How often are commercial packs delivered?
Monthly revenue and cost packs are delivered for reconciliations.

How is treasury managed?
Liquidity is managed across products and corridors by EQIBank.

Are finance packs included?
Yes, month-end finance packs are delivered with reconciliations.

Can I customise reporting?
Yes, layouts and content can be configured during onboarding.

How do I access support?
Via your dedicated manager, support desk and knowledge base.

Are SLAs contractually defined?
Yes, service levels are documented in the contract schedules.

Is 24/7 support available?
Yes, support operates around the clock.

Are product updates included?
Yes, EQIBank manages all updates to the whitelabel platform.

Do I need to run infrastructure?
No, EQIBank hosts and secures the platform entirely.

Is compliance reporting automated?
Yes, regulatory returns and reports are automated and handled by EQIBank.

What MI dashboards are available?
Operational, financial, compliance and risk dashboards are included.

How are incidents handled?
Through formal postmortems, escalation paths and documented reviews.

Can I participate in roadmap planning?
Yes, roadmap planning is a joint responsibility.

What happens if an SLA is breached?
Incidents are escalated and reviewed under governance processes.

What industries can benefit from BaaS?
Fintechs, marketplaces, telecoms, corporates, exchanges, media, education, mobility, real estate and more. Basically any type of business.

How can marketplaces use BaaS?
By embedding accounts, cards and escrow for sellers and buyers.

Can telecoms launch wallets?
Yes, telecoms can launch branded wallets with payments and microloans.

How do NGOs benefit?
Through aid wallets with transparent, controlled fund disbursements.

Can wealth platforms integrate?
Yes, custody, escrow, cards and OTC can be delivered under your brand.

How can airlines use BaaS?
To create loyalty banks with cards, accounts and travel-linked lending.

Can sports clubs launch fintech services?
Yes, fan accounts, cards and ticket escrow can be branded and launched.

Is BaaS useful for gig economy platforms?
Yes, drivers and couriers can receive instant payouts with branded cards.

Can ecommerce firms embed banking?
Yes, faster checkout, refunds and accounts can be integrated.

Can gaming or casinos use BaaS?
Yes, gaming apps and casinos can integrate wallets, cards and instant payouts with AML and fraud controls.