Perpetual software licence

What Is Included in a SAMFCore Perpetual Software Licence?

SAMFCore is available under a perpetual software licence for organisations that want long-term control over their financial-services technology rather than relying exclusively on recurring software subscriptions.

Under the applicable perpetual licence, the customer receives continuing rights to use the SAMFCore software for its own business operations, deploy it within its own technical environment, operate it under its own brand, integrate customer-selected external providers and retain ownership of its own data. The exact licence scope is governed by the applicable signed agreement.

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Quick answers

The SAMFCore perpetual licence at a glance

Yes — SAMFCore is offered under a perpetual software licence with a one-time software licence fee.
There is no recurring SAMFCore licence fee merely to retain the licence; hosting, maintenance and provider costs are separate.
Modules cover onboarding, multi-currency accounts, payments, exchange, card workflows, crypto, compliance/AML, back office, fees, reporting, white-label and APIs.
SAMFCore can be self-hosted in customer-selected infrastructure and operated under the customer’s own brand.
Card and crypto workflows are included as software; issuing, custody and exchange services come from customer-selected providers.
Full source code is a separate licensing option, not part of the standard perpetual licence.

What the perpetual licence gives you

Perpetual Licence Rights

The core rights that come with a SAMFCore perpetual software licence, subject to the applicable licence agreement.

Perpetual right to use SAMFCore

A perpetual licence provides continuing contractual rights to use the licensed SAMFCore software for the licensee’s own business operations, subject to the applicable licence terms.

One-time software licence fee

The applicable perpetual licence is based on a one-time SAMFCore software licence fee rather than an ongoing recurring software subscription merely to retain the licence.

External provider charges, hosting, infrastructure, maintenance and other third-party costs are separate.

Customer-controlled deployment

Deploy SAMFCore within customer-selected infrastructure and technical environments, subject to the applicable licence terms and regulatory requirements.

Operate under your own brand

The licensed deployment can be operated under the customer’s own name, brand and business identity.

Your data remains your data

Customer and transactional data generated or stored through the licensed deployment remain under the licensee’s ownership, with the ability to extract and migrate data using standard technical means.

No mandatory SAMFCore maintenance contract

The perpetual licence does not depend on maintaining an ongoing support or maintenance agreement with Swiss AMF AG.

Use your own technical team

The licensee may use its own personnel or appointed third-party contractors to support its internal operation of the software, subject to the applicable licence restrictions.

Source-code escrow protection

Where included in the applicable agreement, source code may be placed with an independent escrow provider for release upon defined continuity events.

Functional scope

Software Modules Included in SAMFCore

The perpetual licence covers the SAMFCore software modules below. External regulated providers — banks, card issuers, KYC/AML screening, custody and exchange providers — are not included in the SAMFCore licence and are contracted separately.

Customer Onboarding & Identity

Personal customer registration
Business customer registration
KYC onboarding
KYB onboarding
Identity and profile management
UBO and beneficial-owner workflows
Document collection and review
Configurable onboarding settings

Multi-Currency Accounts & IBAN Workflows

Customer account dashboard
Multiple currency balances
Bank-account and IBAN workflows
Currency deposits
External-bank withdrawals
Batch withdrawals
Account administration

Payments & Money Transfers

Deposits
Withdrawals
Transfers
Transaction history
Transaction export
Administrative transaction review
Approval and rejection workflows
Refund workflows
AML review for flagged transactions

Multi-Currency & Digital-Asset Exchange

Currency exchange
Crypto exchange
Market exchange workflows
Limit exchange workflows
Exchange-rate retrieval
Movement between fiat and crypto balances where configured

Card Issuing & Management Workflows

Physical card ordering
Virtual card ordering
Card activation
PIN / ePIN management
Freeze and unfreeze
Card balance top-ups
Card-related transaction workflows

Card issuing, processing, BIN sponsorship and related regulated/provider services are supplied through deployment-specific external card infrastructure.

Card issuing platform details

Crypto & Digital Assets

Digital-asset balances
Crypto account and wallet workflows
Fiat-to-crypto workflows
Crypto-to-fiat workflows
Crypto-to-crypto exchange
Digital-asset administration
Wallet-request approval
Supported blockchain-network functionality where configured

Crypto and digital-asset workflows

Compliance & AML Workflow Tools

AML case management
Ongoing due diligence
Transaction-review workflows
Configurable AML transfer rules
Real-time transaction flagging
Retrospective screening
Sanctions/PEP re-screening through integrated providers
Document requests
Escalated approval workflows
Risk levels and risk scores
Audit trails

SAMFCore provides the compliance workflow and control software only. AML, sanctions and PEP screening itself is performed by customer-selected third-party screening providers integrated into the workflow — SAMFCore is not a regulated AML provider. The licensee remains responsible for its own regulatory compliance and external screening-provider arrangements.

Administration & Back Office

KYC/KYB review and approval
Customer and profile administration
Risk configuration
Transfer administration
Account administration
Card administration
Crypto administration
Fee configuration
Roles and permissions
Activity logs
Reports and analytics
Notifications
Document management

Fees & Pricing Engine

Fee baskets
Periodic fees
Volume-based fees
Risk-level-based fees
Fee assignment
Fee reporting

Reporting & Audit

Activity and audit trail
Operational reporting
Embedded PowerBI capability
Dynamic reporting
Daily-balance reporting
Accounting-related reporting

White-Label & Multi-Brand

Branded deployments
Tenant provisioning
Tenant webhooks
Customer-specific configuration
Theme and brand configuration

APIs & Integrations

Customer APIs
Administrative APIs
B2B / white-label integration APIs
Webhooks
Third-party-provider integrations
APIs across accounts, cards, transfers, digital assets, compliance and related modules

Explore APIs & integrations

For how the modules fit together, see the SAMFCore platform overview.

Separate costs

What Is Not Included in the Perpetual Licence Fee

These costs depend on the customer’s deployment architecture, selected providers and commercial arrangements.

Hosting and cloud infrastructure
Server costs
Storage and networking
Cybersecurity infrastructure
Backups and disaster recovery
Optional maintenance and support
Upgrades and future development
Third-party service-provider fees
Bank / account-provider fees
Card issuer, processor and BIN-sponsor fees
KYC/KYB provider fees
AML / sanctions-screening provider fees
Digital-asset custody fees
Liquidity-provider fees
Exchange-provider fees
Custom third-party integrations
Regulatory licences or authorisations

Optional

Full Source-Code Licensing

Full source-code access is available as a separate SAMFCore licensing option for qualifying perpetual deployments.

Full source code is not automatically included in the standard perpetual licence.

Source-code access is subject to separate commercial and licence terms.

Underlying SAMFCore intellectual-property ownership is not transferred merely because source-code access is licensed.

Licensing models

Perpetual vs SaaS

A factual comparison of the SAMFCore perpetual model and a generic recurring SaaS model. SaaS terms vary widely by provider.

SAMFCore perpetual licence

One-time software licence fee
Continuing software usage rights under the applicable agreement
Customer-controlled deployment
No recurring SAMFCore licence fee merely to retain the licence
Provider flexibility
Optional source-code arrangements
No mandatory maintenance agreement

Recurring SaaS model

Recurring subscription fees
Continued access usually depends on maintaining the subscription
Infrastructure and deployment are often vendor-controlled
Commercial terms vary by provider

For the five-year cost picture, read the CFO total cost of ownership briefing; for security and control trade-offs, see the perpetual vs SaaS security guide. Commercial licence options are summarised on the Licensing page and in the licence configurator.

Frequently Asked Questions

What does “perpetual licence” mean for SAMFCore?

It means the licensed customer receives continuing rights to use the licensed SAMFCore software under the applicable agreement rather than relying solely on a recurring subscription right.

Does SAMFCore charge recurring software licence fees under the perpetual model?

Under the applicable perpetual licence, the software licence is based on a one-time licence fee. Hosting, maintenance, infrastructure and third-party provider costs remain separate.

Is hosting included?

No. The customer is responsible for its selected hosting and infrastructure environment.

Is maintenance mandatory?

No. A perpetual licence is not dependent on maintaining an ongoing support or maintenance agreement.

Can we use our own developers?

The licensee may use its own team or appointed contractors to support its internal use of the licensed deployment, subject to the applicable agreement.

Is source code included?

Full source-code access is a separate licensing option. The standard perpetual licence does not include unrestricted source-code access.

Can SAMFCore be white-labelled?

Yes. SAMFCore supports customer-branded deployments and white-label/multi-brand configurations.

Are banks, card issuers, KYC providers and crypto providers included?

No. SAMFCore is the software and integration layer. External regulated and specialist providers are selected and contracted separately according to the deployment.

This page summarises the SAMFCore perpetual licence for information only. The exact licence scope, territory and rights are governed by the applicable signed agreement with Swiss AMF AG.