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FinCoupling — A Fintech Platform Unifying Global Remittance, Digital Bonds, and REITs
📑 Contents
One view of FinCoupling’s core value, services, product architecture, licensing & jurisdictions, development & security, operations & risk, revenue model, and roadmap/partners.
- ① Why FinCoupling → ② Core Services → ③ Product Architecture → ④ Licensing/Jurisdictions → ⑤ App/Security → ⑥ Operations/Risk → ⑦ Revenue Model → ⑧ Roadmap/Partners
① Why FinCoupling 🎯
We turn remittances from mere consumption into long‑term assets — the “remit → invest → resettle” loop.
- Global remittances amount to hundreds of billions yearly — a clear wealth‑building opportunity
- Micro & diversified investing for accessibility; returnee incentives tie assets to the real economy
- Regulation‑friendly structures (trust/REITs/digital bonds) ensure transparency and credibility
② Core Services 🧩
- Cross‑border Remittance: Low‑cost, fast, and investment‑linked
- Digital Bonds: From $100, targeting 6–9% annual yield
- REITs Projects: Curated portfolio of vetted real‑world assets
- Job Matching: Employment paths linked to funded projects upon return
- Community: Financial education, knowledge sharing, and co‑investment
Onboarding flow: KYC → Wallet setup → Choose remit/invest → Track real‑time returns/interest → Apply for returnee incentives
③ Product Architecture 🏗️
Modular for compliance and scale — by design.
Core Modules
- Accounts & Wallets (account issuance) / Remittance (domestic & international) / Collection & Settlement
- Digital bond issuance & allocation / REITs‑linked distribution
- KYC/AML, transaction monitoring, risk engine / payment gateway
Data & Reporting
- Transaction ledger, interest/dividend scheduler, regulator reports (by jurisdiction)
- Investor dashboard and annual tax summaries
④ Jurisdictions & Licensing 🌍
Multi‑hub rollout strategy with jurisdiction‑specific strengths (example).
1) UAE / ADGM
- Pros: International‑standard regulation, 100% foreign ownership, MENA/Africa hub
- Use case: Base for PSP/remittance and digital securities architecture
2) Singapore
- Pros: Strong credibility, Asia fintech center
- Use case: SPI/MPI pathways for payments, remittance, and assets
3) Lithuania (EU)
- Pros: Faster PI/EMI licensing, EU passporting
- Use case: EU user acquisition and expansion
Licensing scope, costs, and reporting differ by country (payments/e‑money/securities). Roll out in phases.
⑤ App Development & Security 🔐
Mobile‑first and compliance‑ready (by design).
- Multilingual UI, live FX & fee display, recipient notifications
- Encryption & key management, access control, audit logs, vuln scans
- TRM policy and DR/BCP plans
- Third‑party risk management (remittance, KYC, cloud)
⑥ Operations & Risk Management 🧭
Preventive controls + continuous monitoring.
KYC/AML
- Video/document KYC, sanctions/PEP screening, STR/SAR filing
- Risk scoring by transaction limit/country/industry
Finance · Trust · Custody
- Client money segregation, trust/custodian partners, periodic external audits
InfoSec & Privacy
- Data residency & cross‑border rules, retention/disposal policy, incident response
⑦ Revenue Model 💸
- Remittance fees (tiered) and FX spread
- Digital bond / REITs origination & management fees
- Merchant acquiring fees; Pro account subscription
- B2B white‑label / SDK licensing
⑧ Roadmap & Partners 🤝
Roadmap (example)
- Q1: Entity setup · key hires · partner onboarding
- Q2: MVP (remittance/wallet) launch · pilot bond
- Q3: REITs linkage · launch in 3 countries
- Q4: EU/AMER expansion · community grants
Key Partners
- KYC/AML: Onfido, Sumsub, etc.
- Payments/Remittance: Wise, Stripe, Payoneer, etc.
- Cloud/Security: AWS, GCP
- Trust/Custody/Audit: Local FIs & audit firms
FAQ ❔
What is the minimum for digital bonds and how are coupons paid?
Starting from $100; coupons are paid quarterly or semi‑annually (product terms may vary).
How will you expand licenses across countries?
Hub‑and‑spoke rollout via ADGM/SG/EU with passporting and local partnerships.
Who provides the returnee incentives?
Via MOUs with governments, development agencies, and private partners for housing, jobs, and startup support.
Next Steps
We welcome inquiries for demos, partnerships, and pilot participation.
📧 Partnership Inquiry 🧪 Apply for Pilot 📄 Download