What payment rails does ComplyFactor advise on?

ComplyFactor advises on USD rails including ACH, Wire, and SWIFT; GBP rails including FPS and CHAPS; EUR rails including SEPA and SEPA Instant; and AED rails via CBUAE IBAN. We also cover CZK local rails for EEA markets.

What is a virtual IBAN and how can payment institutions issue them?

A virtual IBAN is a unique account identifier issued to individual customers, enabling them to send and receive funds in their own name. Payment institutions can issue virtual IBANs through underlying bank partnerships, which ComplyFactor helps facilitate and structure.

What is an omnibus account and is it required for payment institutions?

An omnibus account is a pooled client money account used to safeguard end-user funds separately from a firm's own assets. Under FCA regulations, payment institutions and e-money institutions are required to safeguard client funds, typically through an omnibus account structure with an approved credit institution.

What is the difference between reliance basis and non-reliance KYC onboarding?

Under a reliance basis model, the payment institution conducts KYC using its own procedures and the banking partner relies on that work. Under a non-reliance model, the partner bank conducts its own final KYC checks on the institution's customers. The right model depends on the institution's compliance maturity and the banking partner's requirements.

Architecture // BANKING_SOLUTIONS

Banking Infrastructure Advisory for Payment Institutions & Fintechs

Q: What is banking infrastructure advisory for payment institutions?

Banking infrastructure advisory helps payment institutions and fintechs access Tier-1 banking relationships, set up multi-currency clearing rails (USD, GBP, EUR, AED), structure compliant omnibus accounts, and navigate KYC reliance frameworks required by banking partners.

Strategic advisory on multi-currency banking infrastructure. We provide the technical mapping for Tier-1 banking access, omnibus structures, and global payment rails.

                    [ USD_WIRE_ACH ]
                    [ GBP_FPS_BACS ]
                    [ EUR_SEPA_INST ]
                

Infrastructure // Global_Rails

Multi-Currency Transmission Rails

We advise on the integration of localized clearing systems to enable near-instant global settlement.

USD & GBP Liquidity

Access Tier-1 clearing for major trade currencies. We facilitate relationships for high-volume settlement.

USD: ACH USD: WIRE USD: SWIFT GBP: FPS GBP: CHAPS

EUR & AED Local

Enable localized presence in Europe and the Middle East with direct clearing integration.

EUR: SEPA EUR: SEPA_INST AED: CBUAE_IBAN CZK: LOCAL

Module_02 // VIRTUAL_IBAN

Downstream IBAN Issuance

Enable your institution to issue unique, dedicated IBANs to your customers in all major currencies through our underlying bank partnerships.

Spec_03 // ACCOUNT_HIERARCHY

Specialized Account Structures

We advise on the legal and technical setup of institutional accounts to ensure asset segregation and operational flow.

Operational / House Accounts

Proprietary accounts for corporate treasury, payroll, and day-to-day entity expenditures.

Client Money (Omnibus) Accounts

Regulatory-compliant safeguarding accounts to hold end-user funds separately from institutional assets.

Reliance Frameworks

Choose the onboarding model that fits your compliance maturity:

[ RELIANCE_BASIS ]
(You onboard per your KYC procedures)
[ NON_RELIANCE ]
(Partner bank executes final KYC)

Initialize Your
Banking Architecture.

Facilitate Tier-1 banking relationships and secure your currency rails. Partner with advisors who understand the technicality of global liquidity.

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Gateway_Inquiry // 2026

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AML Specialists.

Secure a confidential discovery call with our senior advisory team. We respond to all institutional inquiries within 24 hours.

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Intelligence // Insights

Latest Regulatory Updates

Stay ahead of global AML trends and regulatory shifts with analysis from our senior practitioners.

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