White-label payment infrastructure

CloudTech Lite

Launch a branded wallet and payments business with one secure multi-tenant core for member wallets, merchant acquiring, gateway routing, settlement, reporting, and AI-assisted operations.

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Tenant-isolated core Signed merchant API Settlement ledger
6 Core systems
Multi Brand model
99.9% Uptime design

Built for operators who need control, isolation, and a platform they can put their name on.

SignedMerchant API requests
IsolatedTenant data boundaries
RoutedGateway decisioning
AuditedAdmin actions and records
Who it's for

One network. Every side of the payment.

Whether you run a business that needs its own payments brand, or you operate a gateway looking for volume, the platform is the connective layer between you and the market.

Operators & businesses

Launch a branded wallet and acquiring business on a multi-tenant core — your brand, your merchants, your fees. Go live without building the stack.

Launch your platform

Payment gateways & acquirers

Plug your gateway in as a routable channel and reach operators and their merchant volume — routing, fees, and settlement handled for you.

Join the network

Merchants & developers

Integrate once and accept everything — fiat and crypto pay-in, payout, and settlement — through one signed REST API with hosted checkout.

Explore the API
Payments and currencies

Accept fiat and crypto from one balance.

Collect and disburse across local rails, online banking, member wallets, and digital assets — all with the same routing, fee, and settlement controls.

Bank transfer

Manual bank deposits with operator confirmation and receiving-account rotation across an account pool.

Online banking gateway

Hosted online-banking checkout with signed server-to-server callbacks that credit the merchant automatically.

e-Wallet

Members pay instantly from their branded wallet balance on a secure hosted page.

New

Crypto

Native crypto pay-in, payout, and settlement — denominated in the asset, confirmed on-chain by your operators.

USDT USDC BTC ETH

Networks: TRC20 · ERC20 · Bitcoin · Ethereum

Money changer

Exchange any currency, from one balance.

Offer built-in money-changer services — convert between fiat currencies and digital assets at rates you control, with spreads, limits, and settlement handled by the same ledger that moves your payments.

Multi-currency exchange

Convert fiat ↔ fiat and fiat ↔ crypto across every currency and asset your operator supports.

Rates & spreads you control

Set your own FX rate and margin per currency pair, or track a live reference rate — with per-pair limits and rounding.

Instant conversion & settlement

Conversions post to the customer's balance immediately and settle through the same audited ledger as every other transaction.

Why it feels different

A payments platform built for due diligence.

The design is not only about screens. CloudTech Lite gives business owners, operators, and technical reviewers the controls they expect before trusting a platform with money movement.

Business owners

Launch with your brand, not ours.

Run a polished wallet and merchant acquiring business under your own identity while the core platform handles the operational foundation.

  • Brand-level theming and configuration
  • Operator-scoped portals and reporting
  • Built to scale from one brand to many
Operations teams

Control every route, limit, and settlement.

Keep payment operations organized with clear states for transactions, balances, merchant requests, callbacks, and settlements.

  • Available and pending balance visibility
  • Configurable limits by money movement type
  • Gateway routing by operator and policy
Technical reviewers

Built around isolation and verifiable access.

Security-sensitive flows use signatures, allowlists, permissions, encrypted credentials, and tenant boundaries as platform primitives.

  • Signed server-to-server requests
  • IP allowlisting for merchant access
  • Audit-friendly admin and record structure
The platform

One operating core for every brand you launch.

Each deployment includes the full stack for administrators, members, merchants, developers, and gateway operations. No disconnected add-ons. No fragile handoffs.

Back-office admin

Run operators, merchants, members, gateway settings, transaction controls, reports, and internal permissions from one command center.

  • Role-based access
  • Limits and routing controls
  • Cross-operator reporting

Member wallet

Give customers a polished branded wallet for balances, top-ups, transfers, withdrawals, and multi-currency movement.

  • Branded wallet experience
  • Multi-currency balances
  • Configurable transaction limits

Merchant acquiring

Onboard merchants with a portal, API credentials, callback controls, pay-in and payout order tracking, and settlement visibility.

  • Merchant API keys
  • Callback templates
  • Settlement workflow

Signed REST API

Integrate collections and disbursements through clean server-to-server endpoints with signature verification and IP allowlisting.

  • Pay-in and payout endpoints
  • Signature authentication
  • Reliable callback handling

Gateway engine

Route payment traffic by operator, bank, currency, credential set, gateway status, and configured business rules.

  • Per-operator credentials
  • Bank and currency routing
  • Inbound bank callbacks

White-label tenancy

Operate multiple brands on one deployment with strict data isolation, brand-level configuration, and super-admin oversight.

  • Brand theming
  • Operator-scoped data
  • Central governance
Money movement

Designed for real payment operations.

CloudTech Lite gives your team the visibility to manage every balance, route, fee, order, and settlement without stitching together separate tools.

01
Collect and disburseSupport pay-ins, payouts, wallet top-ups, transfers, and withdrawals across configured currencies.
02
Approve settlementTrack merchant available and pending balances with request, approve, and paid states.
03
Control riskSet limits by transaction type, account type, currency, merchant, and operator policy.
Aurora Pay · Operator view Live
Today volume
1.84M
MYR processed
Success rate
98.7%
Across active gateways
Volume by operator
Settlement queue
#SET-1042 · Nimbus WalletRequested
#SET-1041 · Aurora PayApproved
#SET-1039 · CloudTech Lite CorePaid
Security and governance

Trust is built into the architecture.

The platform is structured around isolation, authorization, encrypted configuration, signed traffic, auditability, and operational control.

Multi-tenant by design

Every operator gets a branded business without sharing operational boundaries.

Super-admins retain oversight while each operator's users, merchants, wallets, gateways, reports, and configuration stay scoped to that operator.

Signed API requests Merchant calls are verified before money movement instructions enter the system.
Encrypted gateway secrets Credentials and payment configuration are protected as sensitive platform assets.
Granular admin permissioning Teams only see and change the modules, users, merchants, and settings assigned to them.
AI operations

Run lean without losing control.

Because wallets, merchants, gateways, callbacks, settlements, and reports share one data core, AI can read the operation as it happens and support faster decisions.

01 · Report

Live business reporting

Ask for daily volume, merchant performance, settlement totals, channel health, and currency movement in plain language.

Daily summaries Merchant volume Fund flow
02 · Detect

Anomaly and channel insight

Surface broken channels, unusual merchant behavior, VIP movement, success-rate drops, and settlement exceptions earlier.

Risk signals Gateway watch VIP alerts
03 · Operate

Policy-based action support

Assist the team with reconciliation, merchant replies, report drafts, route changes, and settlement reviews inside approved rules.

Reconciliation Smart routing Ops assistant
Launch plan

From platform setup to live transactions.

Start with one brand, then scale into more operators, merchants, gateways, banks, currencies, and routes as the business grows.

01

Create operator

Provision the brand identity, business settings, permissions, and isolated data environment.

02

Connect gateway

Add credentials, bank routing, currency coverage, callback rules, and operational limits.

03

Onboard merchants

Issue API keys, configure IP allowlists, prepare callback templates, and open the merchant portal.

04

Go live

Launch wallet users and merchants with monitored routes, reporting, settlements, and support workflows.

Private demo

Build your branded payments business on CloudTech Lite.

See how the platform fits your operators, merchants, member wallet, settlement process, gateway network, and growth plan.

Book a demo