The Toqio platform
Create the perfect solution for your merchants and manage everything from one place.
Unite your merchants, distributors, and financial partners on a customizable and secure financial orchestration platform. Simplify your B2B distribution, cater to your merchants' financial requirements, and boost your business' success.
Security
Toqio is designed to protect sensitive information, prevent unauthorized access, and ensure the integrity of financial transactions. It's an agile platform that offers bank-grade security.
Cloud-native API
Speed and agility at every click empower you to create and run scalable applications and products on a lean flexible architecture built on AWS cloud infrastructure.
Compliance-ready
From data security to following and meeting global regulatory requirements, our platform is totally certified as well as PSD2 and PCI DSS compliant.
Platform overview
The Toqio platform is designed to help businesses create and integrate financial products from across multiple providers seamlessly and efficiently into one cohesive system. Create a centralized view of your solutions to simplify management while enhancing efficiency.
Execute what you need to grow your business.
A lean and flexible architecture
Web/app
dashboard layer
Custom-configured for every customer, the dashboard layer lets you view all your embedded products, data and transactions at a glance.
Configurable
feature layer
Manage complex tasks efficiently, such as toggling products on/off or setting transaction limits. Create custom workflows to fuel your growth.
Modular
marketplace layer
Connect with top-tier partners and offer valuable solutions to your customers. Create and monetize your own custom solutions.
System
orchestration layer
Our foundation connects seamlessly with any system: banks, lenders, CRMs, ERPs, and others. You can add, remove, or switch providers effortlessly.
Key features
Modular and customizable solutions
Toqio provides a wide array of modular services and over 300 configurable UI elements, allowing businesses to tailor their financial offerings to meet specific needs and branding requirements.
Comprehensive compliance and security
The platform includes advanced security measures like KYC/KYB checks and full GDPR compliance to ensure the safety and legality of financial operations.
Marketplace integration
Toqio's Marketplace offers additional features from trusted financial service providers which businesses can easily integrate into their systems, creating new revenue streams and enhancing service offerings.
Rapid deployment
With Toqio, businesses can bring financial solutions to market in just a few weeks, significantly reducing the time and cost associated with traditional software development.
Open ecosystem
Our platform is integration-friendly: We can connect with any financial or non-financial service provider to support your vision with the products you need.
Data analytics
Pull financial and non-financial data from multiple sources (ERPs, CRMs, and others) into the Toqio environment. Gather granular data on your merchant network to extract deep business insights in near real-time, then build the solutions they need to enable monetization and growth opportunities.
Financial modules you can build with
Take advantage of everything Toqio has to offer by leveraging modular financial services from a robust network of trusted partners.
- Orchestrate an array of financial products from multiple providers including accounts, cards, point-of-sale, loans, payments and acquiring.
- Offer hyper-personalized financial services in your brand's look and feel.
- Use powerful tools to build the products and experiences your network needs.
Ensure you’re including market-leading compliance and security
Create a comprehensive and safe digital experience for your users, powered by expert KYC/KYB and transaction monitoring tools, all managed via the Toqio platform.
KYB/KYC checks to prevent application fraud
Total monitoring of PEP sanction screening
Device security checks, including e-mail, phones, and other channels
Full biometric scan functions to verify user identities
Company reports that are fully GDPR compliant
Secure PSD2 customer authentication and PCI-DSS compliance
Integrate all your data and systems in one place
Get all your existing business systems talking to each other then orchestrate everything from one place. Integrate all your products and services, including your CRM, ERP, banking, lending, and other systems.
Our platform exists as a unified, cloud-native, and secure API environment that empowers you to build, brand, configure, and deploy financial experiences that matter.
Before you jump in the pool, make sure to play in the sandbox
With all the configuration options at your disposal, you’re going to want to test a highly complex embedded finance solution before you go live. Take advantage of a completely open sandbox environment and review your offering as much as you like. When you’re comfortable with the results, hit the button and launch it!
Launch in weeks, not months
or years
1. Set up your space
Create your workspace on Toqio.
Set up your administrators,
then select the partners with whom you’d like to work with.
2. Select your services
Choose the financial service modules
you need to wow your users
with an overwhelmingly
positive digital experience.
3. Apply your branding
Use our platform to configure your build as much as you like by adding your brand's unique imagery, colours, look, feel, and more.
4. Not enough?
Add your own features
If you can’t find exactly what you’re looking for, you can always custom-build your solution by creating what you need in a low code, no code enviroment designed for non-tech professionals.
5. All done?
Go live!
Launch your product and get it into
your users' hands, we'll handle
core platform updates and
provide you with tech support.