I-BSP kunye ne-SEC Ready White Label Neo Banking App yasePhilippines

IPhilippines ingena kwisahluko esitsha sezemali zedijithali, apho imithetho kunye nokwamkelwa kuhlangana khona ukuze kudalwe ithuba elingaqhelekanga lezisombululo ze-neo banking ezithobela imithetho, ezinobuhlobo ne-crypto . Abatyali-mali kunye namashishini akha ngokuthobela umthetho ophambili aya kuphumelela ukuthembana, umlinganiselo kunye nokufikelela kwimfuno enkulu yemarike. Oku akuseyiyo into yokulinga; kukwenziwa kwemibutho: abalawuli babonise indlela ecacileyo yeebhanki zedijithali ngelixa imisebenzi ye-on-chain kunye neyentengiso ihlala iqinile, idala imfuno yemveliso yee-rails ezilawulwayo, i-on-ramps ezizinzileyo, kunye nokugcinwa okukhuselekileyo. I -app ye-neo banking ye-neo elungele i-BSP kunye ne-SEC ithetha ukuba ungahamba ngokukhawuleza, uhlale ulungele ukuhlolwa, kwaye unikeze ii-crypto rails phantsi kwesakhelo esithathwa nzulu ngabasemagunyeni basekuhlaleni. Uyilo olufanelekileyo ludibanisa ulawulo lwe-bank-grade, ukulungela i-AML, kunye nokukhuselwa kwabucala ukuze imveliso ibe yeyorhwebo kwaye ilungele ulawulo ukususela ngosuku lokuqala.

Kutheni ngoku lixesha elifanelekileyo lokuphuhlisa isoftware ye-White-Label BaaS ePhilippines?

Imiqondiso yolawulo kunye nomfutho wemarike ziyahambelana ngoku. Ibhanki ephakathi ivule indlela yeebhanki ezintsha zedijithali ukususela ngo-2025, idala indawo yabangeneleli bedijithali abalawulwayo kunye nobudlelwane. Kwangaxeshanye, i-BSP iqinisa ukubekwa esweni kwababoneleli beenkonzo zeeasethi ezibonakalayo, nto leyo ephakamisa umda weemodeli zokuthobela umthetho kwaye inika iindlela ezihambelana nebhanki ithuba lokukhuphisana. Umsebenzi we-crypto kwiindawo zokuthengisa kunye neziko ePhilippines nakwindawo ebanzi ye-APAC uhlala unamandla, ngoko ke imfuno yemveliso yee-on-ramps ezilawulwayo, ii-stablecoin rails, kunye nokugcinwa okuvumelanayo kukho. Ii-fintech ezinkulu zasekuhlaleni kunye nee -apps zemali ze-super crypto zibonisa ukuba isikali sinokufikeleleka, kwaye abaqhubi be-stablecoin babonisa ukuba abalawuli bazimisele ukuhlaziya izinto ezintsha phantsi kwemiqathango elawulwayo. Ezi zinto zithetha ukuba ukudlala kweleyibhile emhlophe yokuthobela umthetho kunokubamba isabelo semarike ngelixa kuhlangabezana nolindelo lwabalawuli kunye neemfuno zabatyali-mali.

Injani Isisombululo se-BSP-Compliant White Label Neo Banking?

1. I-BSP-Aligned Core Banking : injini yebhanki eyintloko yemodyuli eneeleja, iidiphozithi, iintlawulo kunye nolungelelwaniso olwakhelwe ukuhlangabezana nolindelo lwengxelo ye-BSP, ukuqina kunye nokuphicothwa.
2. I-VASP–Uluhlu lokuThotyelwa kweMithetho yeBhanki : umaleko wemephu olawulayo oqinisekisa imida yemisebenzi, iziqalisi zelayisenisi kunye nolawulo lwebhanki oluxhasayo ngexesha lokusebenza.
3. Ukubeka iliso kwi-AML ngexesha langempela : ukusasazwa kwentengiselwano, uvavanyo lwemithetho kunye nokulumkisa okulungisiweyo kwimida ye-AMLC kunye nezikhombisi zentengiselwano ezirhanelekayo.
4. I-Tiered eKYC kunye ne-EDD : ukuqinisekiswa kobuwena obuqhubekayo kunye neendlela zokusebenza eziphuculweyo ezisekelwe kumngcipheko ezilungelelanisa iiprofayili zomngcipheko wabathengi.
5. Ukugcinwa kwe-MPC Crypto : ulawulo lwezitshixo zokubala oluquka amaqela amaninzi olubonelela ngokusayinwa komda ongengowokugcinwa kunye nokwahlulwa kwezitshixo zeshishini kunye nokukwazi ukufunyanwa kwakhona.
6. Imodyuli yoBungqina bokuGcina : ulungelelwaniso oluzenzekelayo olukwi-chain kunye nolungaphandle kwe-chain kunye nobungqina be-cryptographic kunye neengxelo zophicotho ezinokuthunyelwa kwamanye amazwe.
7. Iindlela zoPhicotho ezingaguqukiyo : ukugcinwa kweziganeko ezibonakala ngathi azinakuguqulwa kwaye kugcinwa ubungqina kuzo zonke izinto ezithunyelwayo zomthetho kunye nezenzo zokusebenza.
8. Injini yeMithetho yokuThotyelwa kweMithetho : iiseti zomthetho ezinokulungiselelwa ze-BSP, AMLC kunye ne-SEC ezinoxanduva lokuguqula, ukuvavanya kunye nolawulo lokusasazwa.
9. Ulawulo loBucala beDatha : ukuphathwa kwedatha okuqhutywa ngumgaqo-nkqubo, iindlela zokuhlala kunye nolawulo lokucubungula oluhambelana noMthetho woBucala beDatha.
10. Ukuthotyelwa kweMida : Iindlela zokusebenza zokuthobela imithetho ye-FX kunye ne-remittance, imithetho yokuhamba kunye nolawulo lwebhanki oluhambelanayo lokuhamba kwamazwe ngamazwe.

11. Ulawulo oluSekelwe kwiNdima : ukufikelela ngokungqongqo okusekelwe kwiindima, ukuvunywa komenzi-ukujonga kunye nokwahlulwahlulwa kwemisebenzi yezenzo zokusebenza kunye nezenzo ezinelungelo.

12. Ulawulo loMngcipheko woMthengisi kunye ne-API : ukungeniswa komntu wesithathu, ukujongwa kwe-SLA, ulawulo lwe-API kunye nokubeka amanqaku omngcipheko womthengisi rhoqo.

Isisombululo sebhanki ye-neo esihambelana ne-BSP sichazwa yi-architecture ye-bank-grade, ukuthobela imithetho kunye nokulungela uphicotho olupheleleyo. Iimpawu zayo eziphambili zisebenza kunye ukuqinisekisa ukulungelelaniswa kwemithetho, ulawulo lokusebenza kunye nokukhula kwexesha elide kwimarike yasePhilippines. Xa yakhiwe ngokuchanekileyo, amaqonga anjalo anciphisa ukungqubana kwemvume kwaye aqinise ukuthembana kweziko. Ukusebenzisana nenkampani yophuhliso lwebhanki ye-crypto enamava kuqinisekisa ukuba zombini isiseko sobugcisa kunye nesakhelo sokuthobela imithetho ziyaphunyezwa ngaphandle kwezikhewu. Le ndlela ibeka iqonga lokwamkelwa ngokukhuselekileyo kunye nokukhula okuqhubekayo phantsi kolawulo lomthetho.

Uluhlu lokuHlola lweMithetho kunye nokuThotyelwa kweMithetho lwe-BSP White Label Neo Banking App

• Fumana okanye udibane nomxhasi ojongwe yi-BSP kwimisebenzi elawulwayo.
• Beka imaphu yemida yomsebenzi wakho ukuze ubone iimbopheleleko ze-VASP kwaye uphephe imisebenzi engenalayisenisi.
• Sebenzisa i-eKYC enamanqanaba amaninzi kunye neendlela zokusebenza eziphuculweyo zokuqwalasela okufanelekileyo kubathengi abasengozini enkulu.
• Sebenzisa ukujonga iintengiselwano ngexesha langempela kunye nokukwazi ukunika ingxelo nge-AMLC.
• Qinisekisa ukuba imodeli yokugcina umntwana ihlangabezana nemigangatho yebhanki, okanye sebenzisa ukugcina umntwana ebhankini kunye ne-SLA ezicacileyo.
• Sebenzisa ubungqina bokuba imali igciniwe, ukwahlulwahlulwa kwempahla yabathengi, kunye neenkqubo zokuhlola.
• Yakha iindlela zokuhlola ezingaguqukiyo kunye neepakethi zengxelo zophononongo lwe-BSP kunye ne-SEC.
• Ukunyanzelisa ukuthotyelwa koMthetho woBucala beDatha, iindlela zokuhlala kwedatha, kunye nokucutshungulwa ngokukhuselekileyo.
• Misela ukungeniswa kwabathengisi, ulawulo lomngcipheko we-API, kunye neenkqubo zokujonga umntu wesithathu.
• Yenza iimpendulo zezehlo, ukunyusa ulawulo, kunye neencwadi zokudlala zesaziso sokwaphulwa komthetho.

Isikhokelo Sezomthetho Esenza Iiprojekthi Zebhanki ZeWhite Label Neo Zityalwe Imali

• Uhlalutyo lwemida yolawulo kunye nengcebiso yelayisensi (i-VASP, imodeli exhaswa yibhanki okanye ibhanki yedijithali).
• Ukuyila nokuxoxisana ngezivumelwano zebhanki ezixhasayo kunye nee-SLA ezisebenzayo ukukhusela ilayisensi yomxhasi kunye nokunciphisa umngcipheko weqela.
• Inkxaso yelayisenisi ukususela ekuqaleni ukuya ekugqibeleni kunye nokulungiselela idosi yesicelo kwiifayile ze-BSP, SEC okanye VASP.
• Uyilo kunye nokusetyenziswa kwenkqubo ye-AML/CFT eneetemplate zokuxela intengiselwano ezilungele i-AMLC kunye nemida yesilumkiso.
• i-eKYC kunye noyilo oluphuculweyo lomgaqo-nkqubo wokuqwalasela ngokukuko, kunye nokujongwa kokuhlanganiswa kobuwena kunye nokubeka amanqaku emngciphekweni.
• Isakhelo somthetho sokugcina umntwana kunye nezakhiwo zekhontrakthi zokugcina umntwana kwi-MPC, ukugcina umphathiswa okanye amalungiselelo okugcina umntwana ebhankini.
• Uyilo lobungqina bokugcinwa kwemali kunye nokuhlolwa okuzimeleyo ukuxhasa ulungelelwaniso phakathi kwe-chain kunye ne-off-chain.
• Ukucwangcisa ubumfihlo bedatha, imimiselo yesivumelwano somzekelo sokudluliselwa kwemida, kunye namaxwebhu ahambelana ne-NPC.
• Izivumelwano zomthengisi, ulawulo lwe-API kunye nezigaba zembuyekezo/i-escrow zokudlulisela kunye nokuvala umngcipheko womntu wesithathu.
• Ukubeka esweni imithetho rhoqo, uhlaziyo lokuthobela imithetho kunye nencwadi yokulawula ngokukhawuleza yokuhlolwa okanye imibuzo.

Ithatha Ixesha Elingakanani?

Ixesha lokuthengisa lixhomekeke kwimodeli, umda, kunye nendlela yolawulo. Kwimodeli yobudlelwane bebhanki apho ibhanki yasePhilippines enelayisenisi ixhasa ilebheli emhlophe, ulwakhiwo oluqala ekupheleni, ukuhlanganiswa kokuthobela imithetho, kunye novavanyo lunokugqitywa kwiinyanga ezimbalwa ukuba umda ugxile kwaye abenzi bezigqibo bayafumaneka.

Ukuba le projekthi ifuna ilayisenisi entsha yebhanki yedijithali, ukulungiswa kunye nokuvunywa kokwandisa ixesha kwaye kungathatha iinyanga ezi-3 nangaphezulu. Izinto eziphambili eziqhuba ixesha ziquka ukuhlanganiswa kwe-KYC, ukulungiswa kwe-AML, uyilo lokugcina kunye nokuphunyezwa kobungqina bokugcinwa, kunye nesantya sokubandakanyeka komthetho. Ukukhetha umboneleli wenkonzo ye-neo-BaaS ekhethekileyo eqonda ukusebenzisana kwe-BSP, i-AMLC, kunye ne-SEC kuyacinezela ukungqubana. Iqabane elifanelekileyo libonelela ngeemodyuli zokuthobela ezakhelwe kwangaphambili, iindlela zobungqina ezilungele uphicotho, kunye nezivumelwano zabathengisi eziqinisekisiweyo kwaye lilawula unxibelelwano nabalawuli ukuze kukhawuleziswe ukuvunywa. Ngokwenyani, ilebheli emhlophe ekhokelwa ngumxhasi enetekhnoloji yomthengisi ovuthiweyo, umda wemveliso ocacileyo, kunye nokubandakanyeka komthetho ophambili yeyona ndlela ikhawulezayo yokuqaliswa okuvumelanayo okunciphisa umngcipheko wezomthetho kwaye kukhawulezise ukungeniswa kwabasebenzisi.

Khetha iqabane lakho le-White Label Neo Banking ngobulumko

IPhilippines ikwinqanaba eliphezulu lolawulo apho ubunjineli obucwangcisiweyo kunye nokuchaneka kwezomthetho kudala amathuba e-fintech anokutyalwa imali ngokwenene. I-Antier izisa ubunjineli bolawulo kuqala, amaqela okuthobela imithetho eyahlukeneyo kunye nokukwazi ukuhambisa okuqinisekisiweyo ukuguqula imithetho enzima ibe ziimveliso ezinokusetyenziswa. Siqhayisa ngeqela eliphambili lophuhliso lwe-blockchain, kubandakanya neqela elikhethekileyo lezomthetho eliguqulela iimfuno zomthetho zibe zilawulo olucacileyo, ubungqina obuqinisekisiweyo kunye neenkqubo zokusebenza ezinokujongwa ngabaphicothi-zincwadi kunye namabhodi ngokuzithemba. Kubatyali-mali oku kuthetha ukunciphisa kakhulu umngcipheko wokuphunyezwa, imigqaliselo ecacileyo kunye neziphumo ezinoxanduva ezixhaswa zizinto zobugcisa nezomthetho. Ukusebenzisana neengcali zethu kukhawulezisa indlela yakho eya kuvavanyo olulungele imali, oluphicothwayo kwaye olubekwe kwindawo yokukhula kweziko.