Platform Capabilities

One platform, every channel

Impact Banking gives your institution a complete digital banking stack — SMS, web, and API — under your brand, with schema-isolated data and BSP-aligned security.

Reach every customer — even without internet

Your members don't need smartphones. Four parallel channels share the same back-end, so balances and transactions stay in sync.

SMS Commands

BAL, SEND, REG, PIN, HELP — simple text commands on any carrier.

Responsive Web Portal

Full-featured dashboard for members and administrators, branded with your identity.

REST API (OpenAPI 3.0)

JWT-authenticated, versioned endpoints. Integrate with your existing core banking system or build custom workflows.

# SMS commands your members can send
SEND 500 09171234567 → [Your Bank]
Reply from [Your Bank Name]:
Confirm transfer of ₱500
to 09171234567?
Reply YES to confirm
Reply: YES
✓ Transfer Successful!
Sent ₱500 to 09171234567
Ref: TXN-A3F9B2C1

Configurable Savings Engine

Offer multiple savings products with compound interest, tiered rates, and early-withdrawal penalties — all configurable per tenant.

Regular Savings

2.5%

Configurable annual rate

Time Deposit

4.5%

Flexible term lengths

Goal-Based

3.0%

Member-defined targets

High-Yield

6.0%

Tiered balance thresholds

Interest Engine

Atomic Operations

                        # Compound interest formula

                        A = P × (1 + r/n)nt

                        accrue_interest() → daily batch

                        credit_accrued_interest() → atomic

                        apply_penalty() → early withdrawal

All interest operations wrapped in @transaction.atomic with full audit trail.

BSP-Aligned KYC

Four-level verification designed to align with BSP circular requirements. Transaction limits enforced automatically.

16 Philippine ID Types

PhilSys, SSS, GSIS, Passport, and more

Selfie Verification

Level 2 requires photo match

Document Upload

Address & income proofs for Level 3

Full Audit Trail

Every action logged for examinations

Verification Levels

Unverified₱50,000/month

Level 1₱100,000/month

Level 2₱500,000/month

Level 3Unlimited

Built for scale

Agent management, developer API, and real-time analytics — all under one roof.

Agent Network

Float accounts, commission tracking, cash-in/out settlement, and performance dashboards for every agent.

REST API

OpenAPI 3.0 documentation, JWT+PIN authentication, webhooks, and sandbox environment. Integrate with your core banking.

Analytics Dashboard

Community health scores, agent performance, transaction trends, system metrics, and exportable compliance reports.