Customer & Business Onboarding
- KYC / KYB
- Customer Profiles
- Corporate Accounts
- Document Management
SAMFCore
A Modular Financial-Services Software Platform
Fiat accounts, payments, cards, crypto and digital assets, compliance and administration — brought together in one modular platform and connected to the providers you choose.
Perpetual software licensing
Full source-code option
Progressive Cutover Migration with Enterprise Global
Provider-independent, customer-controlled architecture
One modular platform: fiat, crypto, payments, cards, compliance, administration
A concise product overview. For licence rights and pricing detail, see the licensing section below or the perpetual software licence page.
Platform architecture
One Platform. Not a Collection of Systems.
SAMFCore brings the core functions required to operate a modern financial business into a unified environment — reducing the need to assemble separate banking, payments, crypto, compliance, CRM and operational systems.
Unified operating layer
SAMFCore
Accounts, Balances & Transactions
- Multi-Currency Account Structures
- Account Balance Management
- Financial Transaction Recording
- Internal Account Transfers
- Fees & FX Workflows
- Transaction History
Payments
- Transfers
- Selected Banking-Provider Connections
- SEPA / SWIFT International Payment Workflows through integrated banking and payment providers
- Beneficiary Management
Cards
- Card Management
- Selected Issuing-Provider Connections
- Card Controls
- Transactions
Crypto & Digital Assets
- Crypto Wallets
- Digital Asset Transactions
- Exchange Functionality
- Selected Custody / Blockchain Connections
Compliance & Control
- AML Workflows
- Transaction Monitoring
- Compliance Reviews
- Risk Controls
- Audit Trail
Operations
- CRM
- Back Office
- User Management
- Roles & Permissions
- Reporting
- Administrative Controls
Customer-Selected Provider Layer
- API-Driven Integration Framework
- Banking Providers
- KYC/KYB Providers
- Payment Providers
- Card Providers
- Crypto / Custody Providers
- Third-Party Services
SAMFCore provides the software infrastructure and integration framework. Banking, payment, card, KYC/KYB, AML, custody, liquidity and other third-party service providers are selected and integrated as part of each customer deployment.
Platform modules
What Each SAMFCore Module Does
SAMFCore is built from connected modules — banking, payments, debit cards, crypto and compliance — that share one customer record, shared transaction context and one operational environment under a single perpetual licence. External banking, payment, card, custody and screening providers remain customer-selected and are integrated through the API framework.
Banking & Accounts
The banking and accounts module is the foundation of the platform. Its own application services, database models and transaction-processing workflows manage multi-currency customer and corporate account structures, maintain and update account balances, record financial transactions, process transfers between customer accounts within the platform, and retain complete transaction histories across fees and FX. Personal and business onboarding, KYC/KYB workflows and document management create the customer record that every other module references. Bank-account and IBAN workflows connect to customer-selected banking providers rather than a single built-in bank, so the institution chooses the banking partner appropriate to each market.
- Multi-currency accounts with balance management and financial transaction recording
- Internal transfers between customer accounts, fees, FX and transaction history
- Personal and corporate onboarding with KYC/KYB workflows
- Bank-account and IBAN workflows through selected banking providers
Integrated Account & Transaction Workflows
SAMFCore combines account-balance management, transaction accounting, internal transfers, payments, card workflows, crypto-wallet functionality and fiat/crypto conversion workflows within one financial-services software environment.
Transaction Integrity & Operational Control
- Reliable Balance Management — Controlled account-balance management across customer and corporate accounts.
- Transaction Integrity — Transaction accounting and transaction-processing workflows designed to support consistent financial transaction recording.
- Reconciliation — Reconciliation workflows across integrated banking and payment providers.
- Auditability — Complete transaction histories, administrative audit trails and traceable operational activity.
- Compliance Support — Transaction monitoring, AML workflows, compliance reviews, audit trails and administrative records designed to support the operator's compliance processes and audit requirements.
Payments & Transfers
The payments module handles deposits, withdrawals, transfers and beneficiary management across the accounts above. Payment and transfer workflows are designed to connect with customer-selected banking and payment providers, supporting SEPA, SWIFT and international payment rails through those integrated providers rather than relying on a proprietary payment network. Because payments share the same customer record and transaction context as accounts and cards, a single transaction view is available across the platform.
- Deposits, withdrawals and transfers
- Beneficiary management
- Payment workflows
- SEPA and international payments through selected providers
Debit Cards
The card module provides card-management functionality: physical and virtual card ordering, activation, PIN and ePIN, freeze and unfreeze, top-ups and card transaction visibility. Card issuing, processing and BIN sponsorship are not built into SAMFCore; they remain deployment-specific and are delivered by customer-selected external card providers. This keeps the card programme with the institution's chosen regulated partner while SAMFCore manages the customer-facing card workflows and the transaction record of each card transaction.
- Physical and virtual card ordering and activation
- PIN, ePIN, freeze and unfreeze controls
- Top-ups and card transaction visibility
- Selected external issuing and processing providers
Crypto & Digital Assets
The digital-assets module adds digital-asset accounts, crypto wallets, fiat-to-crypto and crypto-to-fiat workflows and exchange functionality alongside fiat accounts and balances. Custody, liquidity and exchange services are not provided by SAMFCore itself; they remain with customer-selected custody, blockchain and liquidity providers. The result is a single environment where fiat and digital-asset balances, transactions and compliance reviews sit on one customer record instead of across disconnected tools.
- Digital-asset accounts and crypto wallets
- Fiat-to-crypto and crypto-to-fiat workflows
- Currency and crypto exchange functionality
- Selected custody, blockchain and liquidity providers
Compliance & Control
The compliance module provides SAMFCore-native AML workflows, transaction monitoring, compliance reviews, risk controls and an audit trail that span every other module. Sanctions, PEP and adverse-media screening connect to customer-selected compliance and screening providers rather than a built-in database. Because compliance sits inside the same environment as banking, payments, cards and crypto, a single transaction can be reviewed, flagged and audited without exporting data to a separate compliance tool.
- AML and transaction-monitoring workflows
- Compliance reviews and risk controls
- Connections to selected sanctions, PEP and adverse-media providers
- Ongoing due diligence and audit trail
How the modules connect
One modular environment under one perpetual licence
Every module operates inside the same SAMFCore environment, so one customer record, integrated account and transaction workflows with complete transaction history, and one set of compliance and operational controls span banking, payments, cards, crypto and back office. A deposit, a card top-up, a crypto exchange and an AML review all touch the same account and audit trail instead of separate vendor systems. This is modular integration: distinct capabilities that share common data, workflows and administration rather than being stitched together from separate platforms.
SAMFCore integrates with customer-selected banking, payment, card, custody, KYC/KYB, AML and other providers through its API and integration framework. Advanced multi-provider routing or orchestration depends on the integrations and functionality implemented for the specific deployment.
All modules run under one SAMFCore perpetual licence. Under the applicable perpetual model there are no SAMFCore per-user or per-transaction-volume software fees, so adding customers, accounts or payment volume does not re-price the core software layer. Third-party banking, payment, card, custody, KYC/KYB, AML and infrastructure providers remain customer-selected and are contracted separately; their charges are not part of the SAMFCore software licence.
Platform capabilities
Operations, Integration & Security
The shared layers that run across every module. Full detail is on the features, architecture and integrations pages.
Enterprise Global
Progressive Cutover Migration Included
Included within the agreed implementation scope: migration planning, data-migration support, provider-retention analysis, integration transition, staged user migration and final cutover support.
Exceptional third-party charges, proprietary data-extraction fees or material custom development outside the agreed migration scope are quoted separately.
Licensing
Choose How Much Control You Want
SAMFCore is not restricted to a single commercial model. Configure the licence around the level of control, deployment scope and technology rights your organisation requires.
Show Pricing in:
Prices are listed in EUR. CHF, USD and GBP amounts are indicative conversions based on the latest available ECB reference rates. Final contractual pricing is confirmed in the applicable licence agreement. Payment can be made in EUR, CHF, USD or GBP.
Annual Licence
From €80,000 / year
Includes
- SAMFCore platform licence
- One licensed legal entity
- Unlimited end customers within the licensed business scope
- No source-code access
Perpetual Licence
From €325,000 one-time
Includes
- Permanent SAMFCore usage rights within the licensed scope
- One licensed legal entity
- Unlimited end customers
- No SAMFCore transaction-volume licence fees
- Customer-controlled infrastructure
- Provider-independent architecture
- No mandatory Swiss AMF maintenance subscription
- No forced purchase of future major SAMFCore versions
- Full Source Code upgrade available
Independent modification of the proprietary SAMFCore source code requires the Full Source Code licence.
Perpetual + Full Source Code
From €620,000
Includes
- Permanent usage rights
- Full source-code access
- Independent modification rights
- Independent maintenance
- Third-party developer access
- No mandatory Swiss AMF maintenance contract
- No forced purchase of future major versions
- One licensed legal entity
- Unlimited end customers
- No SAMFCore transaction-volume licence fees
- Deploy on your chosen infrastructure
- Choose external providers appropriate to your deployment
- Maintain internally or through your chosen development partner
Not automatically included
- Resale
- Sublicensing
- Redistribution
- Third-party BaaS/platform commercialisation
These remain outside the standard package or require separately negotiated commercial terms.
SAMFCore Enterprise Global
€790,000
Includes
- Perpetual SAMFCore licence
- Full SAMFCore source code
- One licensed legal entity
- Global geographic rights
- Unlimited white-label brands
- Unlimited end customers
- No SAMFCore per-user licence fees
- No SAMFCore transaction-volume licence fees
- Customer-controlled deployment
- Provider-independent architecture
- Third-party developer access for the licensed deployment
- Independent modification rights within the licence scope
- Independent maintenance
- No mandatory Swiss AMF maintenance contract
- No forced purchase of future major SAMFCore versions
- Progressive Cutover Migration Included
Additional legal entities under common ownership or control are chargeable at 40% of the selected licence configuration for the first additional entity and 25% for each additional entity thereafter.
Not automatically included
- Additional legal entities
- Resale
- Sublicensing
- Redistribution
- Independent third-party SAMFCore usage
- Third-party BaaS/platform commercialisation
- Exclusivity
- Ownership of the underlying SAMFCore intellectual property
These remain outside the standard package or require separately negotiated commercial terms.
In brief
What is SAMFCore?
SAMFCore is an all-in-one banking, payments, cards and crypto software platform by Swiss AMF AG (Zug, Switzerland). Licensed businesses use it to run financial services for individual and business customers — from onboarding and multi-currency accounts to cards, digital assets, compliance and back-office operations. It is software, not a bank: regulated services come from the providers each customer selects.
Related: crypto and digital assets · provider integrations · licensing and prices · SAMFPay (separate payment gateway software)
Licence configurator
Configure Your SAMFCore Licence
Select the rights your organisation needs and receive an immediate indicative licence price.
Choose the external providers appropriate to your deployment. SAMFCore provides the software infrastructure and integration framework; provider selection, contracting and connection are addressed separately unless expressly included in the proposal.
Show Pricing in:
Prices are listed in EUR. CHF, USD and GBP amounts are indicative conversions based on the latest available ECB reference rates. Final contractual pricing is confirmed in the applicable licence agreement. Payment can be made in EUR, CHF, USD or GBP.
06 — Legal entities Minimum: 1
One legal entity is included in the selected configuration.
Licence questions
What the Licence Means
Straight answers on rights, source code, developers and providers. Full detail is on the Licensing page.
Next step
See SAMFCore in Action.
If SAMFCore already provides the foundation your institution needs, the next step is to determine the right deployment and licence structure.
Perpetual licensing. Full source-code option. Progressive Cutover Migration included with Enterprise Global. Provider-independent. One modular platform.
Explore SAMFCore