- Swiss Art. 1b FinTech institutions
- EU/EEA PI/EMI and MiCA-authorised CASP firms
- UK PI/EMI and FCA-registered cryptoasset firms
- Canadian MSB/FMSB and RPAA-regulated PSP firms
Finray provides the core banking and control infrastructure for regulated financial institutions — covering accounts, payments, ledger, tariffs, risk, compliance, and audit-ready evidence.
Why these belong together
One model of ledger state, risk context, and control evidence.
Corebanq, XZiel, and Ordinis are built together, not assembled. They share models and explicit integrations — there is no manual reconciliation between separate systems.
State moves between Corebanq, XZiel, and Ordinis without a reconciliation step.
The difference
Reconciliation after the fact vs evidence at write time.
Traditional
Reconciliation after the fact
Postings land in one system. Risk decisions are taken in another. Control evidence is assembled later, by hand, from logs.
End-of-day windows close before the audit trail is complete. Settlement gaps surface in the morning report.
By the time the audit record is reconstructable, the operating moment has passed.
Finray
Evidence at write time
The double-entry posting, the risk evaluation, and the control evidence are written together, in one model, at the moment of action.
There is no end-of-day reconstruction step. The audit record exists at write time and stays linked to the posting that produced it.
Operations, risk, and controls share the same source of truth — not three reports that have to be reconciled.
Platform surfaces
Three short operational scenarios.
Corebanq · 01
Posting at write time
A new transaction enters Corebanq. Within 200ms, double-entry state is visible across the ledger. Reconciliation is not a separate step — it's the posting.
XZiel · 02
Alert with provenance
An incoming wire matches a sanctions list. XZiel raises the alert with full source-list provenance attached. The case opens in Ordinis with the evidence already linked.
Ordinis · 03
Control evidence captured at the moment of action
A policy change propagates across the control layer. Approval evidence is captured at write time, not assembled at audit. Every state transition has an evidentiary record.
Proof
Partnership
TRM Labs · blockchain intelligence
TRM Labs blockchain intelligence is integrated into XZiel for alert triage, escalation, case management, and risk assessment across crypto and fiat transactions.
Read the partnership statement
Certification
ISO/IEC 27001:2022
Company-level ISMS certification.
Not a product certification.
Finray Technologies Ltd · Certificate No. 215646 · Valid 2025-10-21 → 2028-10-21
Service registration
SIX · Service provider registration
SIX operates the financial market infrastructure for Switzerland and Spain, including the Swiss Interbank Clearing (SIC) real-time gross settlement system for Swiss franc payments under Swiss National Bank oversight. Zahlex is registered in the SIX Interbank Clearing service provider context for Swiss payment infrastructure.
View authorized SIC service providers
Applied solutions
Built on the three flagship platforms.
Who we serve
Built for control-sensitive operators.
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Regulated fintechs
Swiss FINMA-authorised institutions, EU PSD2-licensed PI/EMI and MiCA-authorised CASP firms, UK FCA-authorised PI/EMI and FCA-registered cryptoasset firms, and Canadian FINTRAC-registered MSB/FMSB and RPAA-regulated PSPs.
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Payment and treasury operators
Teams running SIC, SEPA, SWIFT, and instant rails with validation, enrichment, and exception workflows.
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Custody-adjacent digital-asset businesses
Institutions managing tokenized treasury, regulated custody, and on-chain settlement.
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Control-heavy compliance and audit teams
Risk, compliance, and internal-audit functions inside regulated operators where evidence must be defensible under scrutiny.
The operating company
Finray Technologies Ltd.
Registered in Cyprus (Limassol). Leadership, engineering approach, and governance posture are published on the Company page.
Book a briefing
Book a briefing.
Bring one operating problem. We will map it to ledger state, risk decisions, control evidence, and deployment constraints.