ISO 20022 Compliant · Emerging Markets

Institutional
Asset Transfer
Infrastructure

A production-grade middleware platform connecting Private Banks, Brokers, and Fintechs to national securities depositories across MENA — with durable workflow orchestration and full ISO 20022 compliance.

$0
AUM Managed
0
Uptime SLA
<0
P99 Latency
6
CSDs Integrated
Integrated withMAROCLEARMCDREDAASTRATECDCP

Trusted by teams at leading MENA institutions

Attijariwafa BankBCP GroupCIH BanqueCDG CapitalBMCE BankAl Barid Bank
AES-256 Encrypted
mTLS Verified
ISO 20022
SOC 2 Ready
GDPR Compliant
Immutable Audit

How It Works

Three steps to CSD connectivity

From your first API call to settled securities — fully orchestrated.

01

Connect

Generate a Sandbox API key in seconds. Point your integration at /api/v1 — no procurement, no onboarding call required. Switch to Live when you're ready.

X-API-Key: wos_test_read_••••
02

Normalize

POST any raw portfolio payload — JSON, CSV, or ISO 20022 XML. Our translation engine resolves ISINs, infers asset classes (OPCVM, Sukuk, Bonds), and extracts cost-basis lots with FX rates.

→ Canonical NormalizedAsset[]
03

Transfer

Initiate a transfer workflow. Temporal.io orchestrates the 6-state lifecycle: bank approval → CSD submission → settlement → ingestion. Atomic rollback on any failure.

SETTLED_AT_CSD · T+1

Platform Capabilities

Built for institutional operations

Designed for the realities of Emerging Market securities infrastructure — legacy banks, fragmented formats, and regulatory complexity included.

Universal CSD Translator

Ingest JSON, CSV, or ISO 20022 XML from any source. Our engine resolves ISINs, infers asset classes, and preserves cost-basis lots with FX rates — regardless of source format.

ISIN ResolutionAsset Class InferenceCost-Basis Preservation

Durable Workflow Engine

Every transfer runs as a Temporal.io durable workflow — 6 checkpointed states, 48-hour bank approval windows, exponential retry, and atomic rollback on failure.

Temporal.io6-State MachineFault Tolerant

Multi-Tenant RLS

PostgreSQL Row-Level Security ensures complete data isolation. Enterprise banks get white-label portals; Fintechs get raw APIs. One engine, two delivery modes.

PostgreSQL RLSWhite-Label UIAPI + Webhooks

Immutable Audit Ledger

Every read and write creates an SHA-256 chained audit log entry. No UPDATE or DELETE policies exist on the table — tampering is mathematically detectable.

SHA-256 ChainAppend-OnlyChain Verification API

Sandbox / Live Environments

Generate isolated Sandbox and Production API keys with separate scopes and prefixes. Test against synthetic data before touching real settlement rails.

wos_test_ prefixwos_live_ prefixIsolated Data

OpenAPI 3.1 Docs

Interactive Swagger UI with dark theme. Spec auto-served at /api/v1/openapi — always in sync with the codebase. Persist your API key in the browser for one-click Try It.

OpenAPI 3.1Swagger UITypeScript SDK

Developer Platform

API-first. Self-service.

Generate Sandbox keys instantly. No sales call. No back-and-forth. Integrate in minutes.

import { WealthOS } from "@wealthos/sdk";

const client = new WealthOS({
  apiKey: process.env.WEALTHOS_API_KEY, // wos_test_write_…
  environment: "sandbox",
});

// Normalize a raw bank portfolio payload
const { data } = await client.normalize({
  source_system: "ATTIJARI_CORE",
  source_account_id: "ACC-88291",
  source_institution: "Attijariwafa Bank",
  raw_data: {
    positions: [
      {
        isin: "MA0000012345",
        name: "Attijariwafa Bank",
        qty: 500,
        asset_class: "equity",
        currency: "MAD",
        cost_price: 480.50,
      },
    ],
  },
});

// data.normalized_assets[0].asset_class === "EQUITY"
// data.normalized_assets[0].cost_basis_lots[0].unit_cost === 480.50

Core Endpoints

POST/api/v1/normalize
POST/api/v1/transfers
GET/api/v1/transfers/:id
PATCH/api/v1/transfers/:id
GET/api/v1/audit
POST/api/v1/tenants/api-keys

Pricing

Right-sized for your operation

From API-first fintechs to enterprise private banks managing multi-billion AUM.

Fintech API

For WealthTechs, Neobanks, and Robo-Advisors needing raw infrastructure.

490/month
  • REST API + Webhooks
  • Sandbox + Production environments
  • Portfolio normalization engine
  • Up to 5 CSD integrations
  • 300 RPM rate limit
  • Self-service API key management
  • Immutable audit logs
  • Standard SLA (99.9%)
Start Sandbox
MOST POPULAR

Enterprise Bank

For Private Banks and Regional Brokers requiring white-label deployment.

Custom
  • Everything in Fintech API
  • White-label RM Dashboard
  • Embeddable consent widget
  • mTLS bank-to-gateway rails
  • Unlimited RPM
  • Dedicated Temporal worker
  • 99.97% uptime SLA
  • Custom CSD adapter builds
  • Dedicated Solutions Engineer
  • Quarterly compliance review
Contact Sales

Self-Hosted

Full source access. Deploy on your own infrastructure under commercial license.

Custom
  • Full source code license
  • On-premise PostgreSQL
  • Air-gapped deployment
  • Bring your own Temporal cluster
  • Custom compliance modules
  • Custom CSD adapters
  • Commercial license terms
View Licensing

Ready to integrate?

Start connecting to your CSD today.

Generate a Sandbox key in 60 seconds, normalize your first portfolio payload, and fire your first transfer workflow — all without a sales call.