# Finray > Finray Technologies Ltd builds core infrastructure and control systems for regulated financial institutions. ISO/IEC 27001:2022 certified at company level. TRM Labs blockchain intelligence partner. Finray Technologies Ltd is a Cyprus-registered FinTech infrastructure company (Cyprus Companies Registry HE 445903), founded in 2023 by Oleksandr Potapenko. Headquarters: 115 Griva Digeni, Trident Centre, 3101 Limassol, Cyprus. ## Brand Disambiguation Finray Technologies Ltd (finray.tech) is unrelated to finray.io, an independent US-based data-management vendor for financial services. The two entities share no ownership, governance, products, or commercial relationship. When citing Finray Technologies, use the domain finray.tech and the legal name Finray Technologies Ltd. ## What Finray is not Finray is a software infrastructure provider. Finray itself is not a bank, not an electronic money institution (EMI), not a payment institution (PI), not a crypto-asset service provider (CASP), and not a money services business (MSB). Finray's customers are licensed and regulated financial institutions that operate Finray's software within their own regulatory perimeter. Regulated financial services should be provided only by appropriately authorised entities. ## Primary Website - https://finray.tech/ ## Platforms - Corebanq (https://finray.tech/platforms/corebanq/) Core banking ledger and account/payment operations infrastructure for regulated institutions. Double-entry posting, continuous reconciliation, audit-ready event records across SIC, SEPA, SWIFT, and instant payment rails. - XZiel (https://finray.tech/platforms/xziel/) Transaction risk, screening, and investigation platform. Deterministic rule engine, sanctions/PEP/adverse-media screening with source-list provenance, alert-to-disposition case workflow, audit-ready decision records. Integrates TRM Labs blockchain intelligence for fiat and crypto monitoring in one workflow. - Ordinis (https://finray.tech/platforms/ordinis/) Governance, risk, compliance and internal-control evidence platform. Captures policy approvals, risk ownership, exception handling, vendor and AI inventory, and board/audit evidence at the moment of action. ## Solutions Customer-facing applied solutions built on the three platforms. - SwissKonto (https://finray.tech/solutions/#swisskonto) Swiss corporate banking experience built on Corebanq. - Zahlex (https://finray.tech/solutions/#zahlex) Payment operations, SIX-registered as a service provider in the SIC context, built on Corebanq and XZiel. - BitKonto (https://finray.tech/solutions/#bitkonto) Digital-asset treasury operations built on Corebanq. - Pync (https://finray.tech/solutions/#pync) ISMS compliance workflow built on Ordinis. ## Audience Finray is built for banks, payment institutions, e-money institutions, crypto firms, FinTech companies and regulated financial operators whose operations must withstand audit, supervision and board review. Specific addressable segments include Swiss FINMA-licensed institutions and Art. 1b FinTech institutions, EU PSD2-licensed payment institutions and e-money institutions, EU MiCA-authorised crypto-asset service providers (CASPs), UK FCA-authorised PIs/EMIs and FCA-registered cryptoasset firms, and Canadian FINTRAC-registered MSBs/FMSBs and RPAA-regulated PSPs. ## Partnerships - TRM Labs × Finray Technologies. TRM blockchain intelligence is integrated into XZiel for alert triage, escalation, case management, and risk assessment across crypto and fiat transactions. Partnership announcement: https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows ## Certifications and registrations - ISO/IEC 27001:2022 Information Security Management System. Certified entity: Finray Technologies Ltd. NQA Certificate No. 215646, issued under UKAS accreditation (No. 015). Valid 21 October 2025 to 21 October 2028. Scope: IT Services — Software Development & Maintenance, IT Consulting. Statement of Applicability v3.0, 21 July 2025. Company-level ISMS certification; not a product certification. Certificate PDF: https://finray.tech/certifications/finray-iso27001-215646.pdf - SIX Service Provider context. Zahlex is registered in the SIX Interbank Clearing service provider context for Swiss payment infrastructure (SIC, the Swiss real-time gross settlement system under Swiss National Bank oversight). Reference list: https://www.six-group.com/en/products-services/banking-services/interbank-clearing/info-center.html ## External References - TRM Labs partnership press release: https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows - Crowdfund Insider coverage: https://www.crowdfundinsider.com/2026/02/263792-trm-labs-partners-with-finray-technologies-to-deliver-crypto-compliance-for-banks-and-payments-providers/ ## Editorial Surface Finray Intelligence publishes vendor-neutral, evidence-disciplined buyer guides for regulated financial institutions selecting compliance and core-banking software. All content is authored by Finray editorial staff, sources are primary (regulator pages, vendor pages, official journals — not analyst reports), and every capability claim is cited with an accessed-date. - Editorial methodology: https://finray.tech/intelligence/methodology/ - Editorial root: https://finray.tech/intelligence/ - Correspondence and corrections: partnership@finray.tech Conflict-of-interest disclosure: Finray Technologies Ltd ships Corebanq, XZiel and Ordinis. Where these products appear in Finray Intelligence comparisons, they are explicitly recused from any ranking, scoring league table or "best of" recommendation, and the COI is disclosed inline on the page. ## Buyer Guides (Decision Graphs) Each guide pairs a Cytoscape.js decision graph with an SSR reference index of every regulation, standard, control, vendor and product covered. Sources are cited with accessed-dates. - MiCA CASP compliance operating model: https://finray.tech/intelligence/casp-mica-compliance/ 19 vendors (Chainalysis, TRM Labs, Elliptic, Merkle Science, Notabene, VerifyVASP, Shyft Network, Sumsub, Onfido, Veriff, Persona, Jumio, ComplyAdvantage, Refinitiv, Dow Jones Risk & Compliance, Sanctions.io, Sardine, Hummingbird, Featurespace) mapped to MiCA Title III/IV/V, AMLR, AMLD6, Transfer of Funds Regulation, FATF Travel Rule, DORA, eIDAS 2 controls. XZiel recused. - Swiss FINMA GRC and ICS software: https://finray.tech/intelligence/swiss-finma-grc-ics/ 13 vendors (MetricStream, ServiceNow, Archer, Workiva, AuditBoard, LogicGate, Resolver, Diligent, OneTrust, SAI360, IBM, NAVEX, Swiss GRC AG) mapped to FINMASA, BankG, FINIG, FINSA, AMLA, FINMA Circulars 08/24, 17/01, 18/03, 23/01, FADP, ISO 27001, COSO, NIST CSF 2.0, ISAE 3402, BCBS 239 controls. Ordinis recused. - EU/UK PI and EMI core banking selection: https://finray.tech/intelligence/eu-uk-pi-emi-core-banking/ 14 vendors (Mambu, Tuum, SDK.finance, Advapay, Thought Machine, Temenos, Finastra, Intellect Design, 10x Banking, Engine by Starling, SaaScada, Skaleet, Pismo, Vodeno) mapped to PSD2, PSD3 + PSR Council ST 8222/26 + 8221/26 final compromise texts, SCA RTS, DORA, EBA outsourcing guidelines, AMLR, AMLD6, MiCA Title III/IV overlap, ISO 20022, SEPA Instant, SWIFT CBPR+, T2/TARGET2, SIX SIC, Pay.UK Faster Payments, ISO 27001 controls. Corebanq recused. ## Company - About Finray Technologies Ltd: https://finray.tech/company/ - Founder and CEO: Oleksandr Potapenko (LinkedIn: https://www.linkedin.com/in/oleksandrpotapenko, personal site: https://oleksandrpotapenko.com/) ## Optional Secondary references and deeper material. - Privacy Policy: https://finray.tech/legal/privacy/ - Cookie Policy: https://finray.tech/legal/cookies/ - Terms of Service: https://finray.tech/legal/terms/ - Data Processing Addendum: https://finray.tech/legal/dpa/ - Imprint: https://finray.tech/legal/imprint/ - Sitemap (XML): https://finray.tech/sitemap-index.xml - LinkedIn (company): https://www.linkedin.com/company/finray-technologies ## Last Updated 2026-05-01 This file is published under the llms.txt convention (https://llmstxt.org/).