Vrtx Fintech Enablement Platform

Vrtx provides a suite of embeddable financial services that allow platforms to integrate fintech growth capabilities directly into their existing products. Key offerings include:

• Embedded Wallets: Dedicated wallets for customers to receive, hold, and spend funds within the platform.
• Virtual & Physical Cards: Issuance of cards linked to wallet balances that are accepted globally.
• Payouts & Disbursements: Ability to trigger instant or scheduled payouts and deposit funds into customer wallets.
• Money Transfers: Peer-to-peer or platform-based instant money transfers directly from wallets.

Vrtx Payout allows developers to automate and manage payment disbursements at scale. Key features include:

• Real-Time Transfers: Instant fund delivery to bank accounts and wallets with automated execution.
• Instant Settlement: Funds are settled immediately upon transaction completion.
• Zero Fees Disbursement: No fees on disbursements to reduce operational costs.
• Scheduled & Batch Payouts: Support for recurring payouts via flexible scheduling and batch execution.
• Programmable Rules Engine: Ability to define custom payout logic, including triggers, limits, approval flows, and controls.

Vrtx provides a card issuing platform that allows businesses to launch branded virtual and physical card programs. Key capabilities include:

• Virtual Cards: Instant issuance linked directly to wallet balances with full controls.
• Physical Cards: Printing and delivery of physical cards to customers.
• Mobile Payments: Tokenization for mobile devices, specifically supporting Apple Pay and mada Pay.
• Card Lifecycle Management: Tools for card activation, replacement, and general management.
• Spending Controls: Ability to define spending limits, transaction controls, and merchant restrictions.

Vrtx provides an embeddable wallet solution that allows platforms to integrate financial services natively. Key capabilities include:

• KYC & Onboarding: An automated engine handling ID verification, compliance steps, and wallet activation.
• Spend & Transfer: Support for spending via linked cards, transferring funds to bank accounts, and peer-to-peer transfers between wallets.
• Control & Configuration: Ability to set spending limits, transaction rules, and whitelisting criteria for user onboarding.
• Receiving Funds: Support for topping up balances via IBAN transfers, payroll deposits, and payouts.
• Salary Deposits: Specialized functionality for depositing payroll directly into employee wallets.

Vrtx provides a suite of financial tools to enable gig workers and freelancers to receive earnings, manage funds, and spend instantly within a platform. Key capabilities include:

• On-Demand Payouts: Trigger instant payouts to workers immediately upon task completion.
• Gig Worker Wallets: Dedicated wallets for workers to receive, hold, and spend earnings directly inside the platform.
• Card Issuing: Provision of virtual and physical cards linked to the worker's wallet balance.
• Compliance & KYC: Automated identity checks and sanctions screening for all workers.

Vrtx provides a suite of financial tools for logistics platforms to manage delivery partner earnings. Key capabilities include:

• Payouts & Payroll: Trigger instant or scheduled payouts and deposit salaries directly into partner wallets.
• Delivery Partner Wallets: Provide dedicated wallets for partners to receive, hold, and spend earnings.
• Card Issuing: Issue virtual and physical cards linked to partner wallets for immediate access to funds.
• International Transfers: Enable partners to send funds internationally from their wallets compliantly.

Vrtx provides a suite of financial capabilities to allow employees to receive, manage, and spend their salaries instantly within a platform. Key capabilities include:

• Payroll Deposits: Instant, scalable salary deposits directly into employee wallets.
• Employee Wallets: Dedicated digital wallets for employees to hold and spend funds.
• Card Issuing: Ability to issue virtual and physical cards linked to the employee's wallet balance.
• International Transfers: Compliant, instant international fund transfers from the wallet.

The Vrtx Payout process consists of three primary stages:

1. Initiate Payout: Define triggers for payouts. This includes setting up instant transfers, split payments, conditional rules, or approval workflows.
2. Execute Transfers: Payouts are automatically routed and executed with real-time status updates.
3. Settle & Reconcile: Funds are settled and reconciled instantly, providing complete transaction records and settlement confirmation.