Client Platform Overview

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Receive, move and control business funds through one unified operating layer

Financial access. Global accounts, payment rails, cards and corporate wallets.
Financial execution. Convert currencies, pay suppliers and accept payments.
Operating control. Manage entities, users, approvals, records and reporting.

One platform for financial access, execution and control.

One financial platform across three connected layers

Operating core. Visibility, workflows, permissions, records and reporting.
Financial rails. Global accounts, FX, treasury and stablecoin settlement.
Client products. Corporate card programs and online payment acceptance.

Three connected layers in one unified financial environment.

Central control layer for financial operations

Unified view. Companies, balances, wallets, cards and payment activity.
Flow coordination. Payments, FX, cards and settlement in structured workflows.
Roles and approvals. Access rights and approvals across teams and entities.
Records and reporting. Transaction records, statuses, reports and reconciliation.

One environment for visibility, control and execution.

Account infrastructure for banking operations

Global accounts. Named multi-currency accounts, local account details and IBANs.
Core currencies. USD, EUR, GBP, AED, CNY and 20+ additional currencies.
Payment rails. SWIFT, SEPA, ACH, FPS and supported local payment systems.
FX and treasury. Convert currencies and manage liquidity across entities.

One environment for accounts, FX, treasury and global payments.

Stablecoin settlement for fiat execution

Supported assets. USDT, USDC and EURC across approved settlement flows.
Network coverage. TRON, Ethereum, BNB Chain, Solana, Avalanche, Polygon.
Corporate wallets. Open company wallets and connect unlimited Ledger wallets.
Fiat conversion. Convert stablecoin liquidity into fiat for business payments.

One controlled flow from stablecoin liquidity to fiat execution.

Card issuing programs for spend governance

Card formats. Company, employee, virtual, physical and premium cards.
Card funding. Fund cards directly from approved company balances.
Spend controls. Set limits, budgets, merchant controls and approvals.
Program oversight. Track transactions, expenses, receipts and reconciliation.

One controlled card program across companies, teams and budgets.

Online payment acceptance with controlled settlement

Payment channels. Online stores, platforms, mobile apps and payment links.
Payment methods. Cards, bank transfers, digital wallets and local methods.
Recurring payments. Subscriptions, recurring billing and invoice payments.
Payment control. Track payments, refunds, disputes and settlement status.

One operating environment for online payments and settlement.

One operating layer across regulated infrastructure

Client origination. Direct B2B clients. Trade, brokerage and factoring partners.
Compliance oversight. KYB/KYC, UBO verification, AML and sanctions, monitoring.
Novolut platform. Operational ledger, orchestration, routing and reporting.
Regulated execution. Banking, custody and settlement infrastructure partners.

Novolut orchestrates regulated execution, with principal status limited to settlement.

Recurring financial operations across four core business scenarios

International Trade. Supplier payments, FX and import/export settlement.
Group Treasury. Balances, FX, liquidity and control across entities.
Workforce & Expenses. Payouts, corporate cards and controlled company spend.
Payment Acceptance. Online payments, recurring billing and settlement control.

One platform for trade, treasury, workforce and payments.

International Trade & Supplier Payments

Invoice validation. Verified invoices linked to approved payment instructions.
Trade execution. Accounts, FX and payment rails coordinated in one workflow.
Supplier settlement. Supplier payments with status tracking and reconciliation.

One controlled workflow from invoice to supplier settlement.

Group Treasury & Liquidity Management

Balance visibility. Multi-currency balances across companies and markets.
Liquidity rebalancing. Allocate and convert funds across entities and currencies.
Treasury execution. Execute approved payments from available liquidity.

One controlled treasury workflow across entities and currencies.

Workforce Payouts & Corporate Expenses

Payment requests. Create workforce payout and corporate expense requests.
Approval controls. Apply roles, limits and approvals before execution.
Workforce payouts. Execute approved payouts and controlled company spend.

One controlled workflow from payment request to workforce payout.

Online Payment Acceptance & Settlement

Checkout access. Cards, transfers, digital wallets and local methods.
Payment routing. Route payments by market, currency and payment method.
Merchant settlement. Track settlements, refunds, disputes and reconciliation.

One controlled workflow from checkout to merchant settlement.

Structured onboarding from application to activation

Access request. Company profile, business purpose and transaction profile.
Compliance & risk review. KYB/KYC, UBO, AML, sanctions, PEP and fraud risk screening.
Infrastructure approval. Eligibility review by applicable infrastructure partners.
Platform activation. Entities, permissions and workflows configured for launch.

One governed path from qualification to live operations.

Risk control framework for regulated financial operations

Controlled access. Permissioned roles, approval controls and transaction limits.
Transaction monitoring. AML, sanctions and risk monitoring across platform activity.
Safeguarding boundaries. Client funds remain with approved banking and custody partners.
Liquidity separation. Novolut's T+0 liquidity remains separate from client funds.

Defined controls, clear boundaries and auditable execution.

One operating layer across markets, currencies and rails

Market coverage. Access for approved businesses across 60+ jurisdictions.
Currency coverage. USD, EUR, GBP, AED, CNY and 20+ additional currencies.
Payment connectivity. SWIFT, SEPA, ACH, FPS and supported local payment systems.
Stablecoin settlement. USDT, USDC and EURC across approved blockchain networks.

Institutional access to approved fiat and digital financial infrastructure.