Build the infrastructure your project needs
Accounts, rules and tracking for your payments. The services combine in a single scheme, under your brand if you wish.
Architecture
Four building blocks, one flow
The account holds the funds, spending rules decide whether a payment is authorised and traceability keeps a record of what happened. White label presents the whole under your name.
Each service addresses a specific need. Choose a need to see which building blocks to combine.
Each user receives an account and the planned funds; the rules frame how they are used. Use case: give each user a budget
The rules are checked before the spend, then each operation keeps its reference and proof. Use case: earmark spending
Your users find accounts and payments in your own environment, under your brand. Use case: white-label collection pots
- 01Open and pay
Accounts and payments
Where are the funds, and how does the user pay?
- An account with an IBAN in the user’s name
- Card, transfer or QR code
- The balance available in the application
- 02Authorise
Spending rules
Should the payment be authorised?
- Who, how much, when, where and with whom
- A check before each payment
- Accepted or refused, with its reason
Relies on : Accounts and payments
- 03Prove
Payment traceability
What happened, and how can it be proven?
- Each operation linked to the account, budget and funding
- Views by role
- Exports and verifiable proof
Relies on : Spending rules
White label
Under which brand do your users see the service?
- Your name, logo and colours
- Journeys integrated into your website or application
- Financial services provided by MAP
Safeguards
An authorised institution, safeguarded funds
- ACPR authorisation no. 17698
Mon Ami Poto SAS is an electronic money institution authorised by the ACPR.
Regulatory framework - Safeguarded funds
The funds received in exchange are safeguarded in a dedicated account at BNP Paribas (article L. 522-17 of the French monetary and financial code).
Safeguarding of funds - Role-based access
Each access matches a role, reviewed and logged. Exchanges are encrypted in transit.
Security
Let’s build your solution
Tell us about your users, the funds to distribute and the intended uses. We define the appropriate services and rules with your teams.