Cross-Border Payment & Remittance Software Built for Modern MSBs & Fintechs
Launch or upgrade your international money transfer company with SF Remit by SkyFig Technologies. Get turnkey white-label mobile apps, a dynamic FX rate engine, compliant back-office operations, and a scalable software license model with zero per-transaction revenue cuts.
Software Licensing vs. Per-Transaction Royalty
Traditional remittance software providers charge high setup fees and penalize your success by skimming a percentage or fixed fee from every single transaction your customers process. At SkyFig, we believe in straightforward technology ownership.
Zero Transaction Royalties
Process $10,000 or $50,000,000 without paying a single cent of your transaction volume to the software vendor. All FX margins and transfer fees belong to your business.
Complete Private Deployment
The software is deployed directly to your private AWS, GCP, or cloud servers. You retain total ownership of your customer database, compliance files, and transaction ledgers.
Customizable Core Features
Need custom cash-pickup workflows, regional agent commissions, or tailored accounting reports? We customize SF Remit to match your exact regulatory and operational needs.
Everything Needed to Operate a Cross-Border Remittance Business
SF Remit provides an enterprise-ready financial stack connecting the customer experience, compliance verification, real-time FX rate management, and back-office operations.
Branded Web & Mobile Customer Apps
Fully customized iOS, Android, and responsive web portals published under your brand name. Customers register in minutes, add beneficiaries, check live exchange rates, and initiate cross-border transfers effortlessly.
Dynamic FX & Margin Management
Take complete control over your currency exchange corridors. Set custom markups, spot rates, dynamic spreads, and automatic rate-locking windows per currency pair to protect your business margins.
Multi-Currency Digital Wallets
Enable your customers to hold, convert, and manage multi-currency balances (e.g. USD, GBP, EUR, CAD, NGN, GHS, KES) within a secure ledger with instant wallet-to-wallet and wallet-to-bank transfers.
Central Back-Office & Treasury Ops
A comprehensive operator command center. Monitor transaction pipelines, manage bank settlement reconciliation, view real-time floating capital across corridors, and generate automated financial audit logs.
Agent & Cash Pickup Network Portal
Deploy sub-agent networks and local cash payout counters. Includes role-based agent balance management, branch commissions, cash collection logs, and teller counter verification software.
Automated AML, KYC & Sanction Screening
Built-in compliance architecture with automated PEP watchlist screening, transaction threshold velocity checks, suspicious activity reporting (SAR) flags, and configurable compliance limits.
Select Your SF Remit Deployment Package
Choose a deployment package tailored to your licensing stage, geographic corridors, and scaling goals. Every package comes with a fixed software license model and zero transaction revenue sharing.
Basic Package
Designed for emerging money transfer operators launching their first dedicated cross-border remittance corridor.
- ✓ Single cross-border remittance corridor (e.g., UK to Nigeria, or US to Ghana)
- ✓ Fully branded customer mobile apps (iOS & Android)
- ✓ Web-based customer transaction portal
- ✓ Dynamic FX rate & commission markup dashboard
- ✓ Integrated multi-tier KYC & identity check workflow
- ✓ Admin back-office for transaction processing & manual approvals
- ✓ Automated customer receipt & status notifications (SMS & Email)
- ✓ Zero per-transaction software fees — you keep 100% of your margins
- ✓ Cloud deployment on your dedicated server infrastructure
Growth Package
Ideal for licensed MSBs and financial operators expanding into multiple destination corridors with digital wallet capabilities.
- ✓ Up to 5 bilateral cross-border remittance corridors
- ✓ Multi-currency digital wallet feature (Hold, Convert & Send)
- ✓ Branded mobile apps (iOS & Android) with biometric authentication
- ✓ Sub-agent portal for physical branches and money transfer agents
- ✓ Automated payout API connectors & instant bank delivery
- ✓ Real-time treasury float tracking & FX volatility protection
- ✓ Automated AML & transaction velocity rule engine
- ✓ Zero per-transaction software fees — full software license ownership
- ✓ Comprehensive compliance and auditing report generation
- ✓ 3 months priority DevOps maintenance & technical support
Pro Package
Built for established fintechs, banks, and enterprise payment institutions requiring global corridors and high-volume settlement.
- ✓ Unlimited cross-border corridors & currency pairs
- ✓ High-availability microservices architecture (10,000+ concurrent tx/min)
- ✓ Full digital wallet ecosystem with virtual account issuance
- ✓ Agent & super-agent tier hierarchies with automatic commission splits
- ✓ Automated bank ledger reconciliation & multi-bank treasury routing
- ✓ Advanced fraud detection & AI-assisted suspicious activity reporting
- ✓ Developer API platform with webhooks for third-party B2B partners
- ✓ Zero per-transaction software royalties or vendor lock-in
- ✓ Dedicated deployment to private AWS/GCP cloud with disaster recovery
- ✓ 6 months dedicated SLA support and continuous compliance patches
Custom Package
Tailor-made software engineering for commercial banks, regional switch operators, and enterprise fintechs with proprietary workflows.
- ✓ Complete custom remittance software engineered from the ground up
- ✓ Direct integration with central bank payment switches & RTGS/NIP
- ✓ Full source code licensing and intellectual property transfer
- ✓ Custom regulatory reporting engines tailored to local monetary authorities
- ✓ Proprietary algorithmic liquidity matching and internal FX order books
- ✓ On-premise hardware or sovereign government cloud deployment
- ✓ Tailored UI/UX design matching your exact corporate design system
- ✓ Dedicated engineering team & 24/7 mission-critical response SLA
How SF Remit Powers Your Operation
A frictionless journey designed for customer trust and bulletproof back-office settlement.
Onboarding & KYC
Users download your branded app, verify their phone/email, and upload national ID documents with automated verification.
Corridor & Rate Lock
Customers choose currency corridors, view transparent exchange rates and fees, and select bank deposit or cash pickup.
Payment & Settlement
Senders pay via debit card, bank transfer, or digital wallet. Transactions undergo automatic screening before funds lock.
Disbursement & Tracking
Destination bank accounts receive funds instantly, or pickup agents disburse cash. Real-time push updates notify both parties.
Frequently Asked Questions
Got questions about licensing SF Remit for your cross-border payment business? Here are answers to common questions.
How does SkyFig's licensing model differ from per-transaction software?
Most money transfer software vendors charge a percentage fee or fixed cost on every single transaction your customers make, eroding your profit margins as your business scales. With SkyFig's SF Remit, you secure a software deployment license with zero transaction revenue-sharing fees. You keep 100% of your foreign exchange spreads and transfer fee profits.
Do we own our customer data and software deployment?
Yes, completely. SF Remit is deployed on your dedicated, private cloud infrastructure (AWS, Google Cloud, DigitalOcean, or on-premise servers). You maintain complete custody of your customer records, transaction histories, and financial ledgers without any third-party vendor lock-in.
Can we start with the Basic package and expand later?
Yes. The Basic package allows you to launch quickly on a single cross-border corridor (e.g., UK to Nigeria, or US to Kenya) with minimal initial capital. As your transaction volume and customer base grow, we can seamlessly upgrade your infrastructure to multi-corridor and multi-currency digital wallet capabilities without service downtime.
How does SF Remit handle dynamic foreign exchange (FX) rates?
The administrator dashboard gives you real-time control over currency pairs. You can pull automated live market interbank rates and configure your exact profit margin markups, minimum/maximum transfer caps, fixed transfer fees, and custom exchange rates per sender tier.
Can SF Remit be customized for our specific branding?
Yes. Both the iOS and Android mobile apps and the customer web application are 100% white-labeled with your company's name, brand colors, logo, and splash screens. When your customers download the app from Google Play or Apple App Store, they see only your company.
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