New generation digital banking platform for businesses and governments.
The new generation digital banking platform by Optherium™ is based on the patented technology of information Multi-decentralization, which brings a military level of security and eliminates data loss risks to organizations through the lack of a single point of failure.
The platform is compliant with GDPR and PSD2 requirements and is compatible with PCI DSS standards. It is powered by Hyperledger Fabric and supported by The Linux Foundation and the Amazon Partner Network.
Optherium Labs products are innovative white-label Fintech, Regtech and Data Security Software-as-a-Services for digital banking. Our platform provides everything needed to effectively launch and run your own digital banking application. This includes white-label mobile and web applications, pluggable interfaces, Optherium SDK and custom APIs.
Products overview:
Digital banking Software-as-a-service
Ready-made and fully customizable digital banking applications for Web, iOS and Android platforms allow clients to begin earning money under their brand as soon as tomorrow with minimum investment and near-zero efforts, by utilizing Optherium partner network licenses, permissions, certifications and modular microservices.
White label web and mobile digital banking applications, powered with Optherium blockchain, AI and Smart-contracts technology.
White label web, ios and android digital banking application support IBAN/ACH account issuing, international SEPA and SWIFT transfers, branded prepaid card issuing, mobile payments, KYC/AML compliance, military level of security and much more.
In the existing fintech landscape, it is the fastest, most cost-effective and most secure solution for banks, fintechs and large enterprises, who are looking for business automation, cost-savings and new powerful revenue streams.
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Regtech Software-as-a-service
Identity and document verification platforms, software development tools and APIs for ultimate regulatory compliance and automation.
We provide identity and document verification platform for ultimate regulatory compliance and business automation. Our modules are:
- Mobile and Web KYC Onboarding — allows businesses to onboard customers online in a simple and convenient way.
- AML/CTF/PEP Screening — global watchlist screening tools help fintechs, banks and large enterprises achieve regulatory compliance.
- Transaction Monitoring — an outstanding tool for ongoing AML compliance, suspicious activity detection, and fraud prevention.
- Dynamic Biometric — operates with biometric data like face scan, voice, eye iris and fingerprints for verification and authentication purposes, for PSD2 compliance and to enhance the security of data.
- RFID Chip Verification — mobile verification of biometric passports / RFID chips by phone’s NFC scanner feature brings enhanced user experience and KYC / AML compliance to businesses.
- Credit Risk Scoring — automated credit risk scoring tool for banks and fintechs, powered with machine learning and pluggable mobile and web interfaces, allows businesses to make decisions on granting loans to clients, remotely.
- Optherium KYC SDK / API — software development tools and application programming interface for identity and document verification, regulatory compliance and business automation.
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Data Security Software-as-a-service
Datavaut Storage SaaS is an exceptionally secure environment for data storage and management. It was created as a private blockchain operating system (OS) for enterprises, banks, and governments to securely manage and store sensitive data and digital assets in a permission-based, trustless, inter-operable, and unhackable environment.
The Optherium DataVault Storage Software-as-a-Service delivers exceptionally secure storage of sensitive data and digital assets based on a patented Multi-decentralization technology that achieves a military level of security and data privacy compliance requirements. The white label DataVault solution includes such features as Cloud and on-premise data storage for enterprises, SDKs and APIs for developers, GDPR and PSD2 Compliance, KYC-based / Biometric-based permissions, Blockchain network management tools, and much more.
As Optheirum is a member of the Amazon partner network, member of the Linux and Hyperledger Foundations, we use Hyperledger Fabric as the basic technology framework. It’s a highly adaptable open-source tool supported by Linux Foundation, IBM, JP Morgan, and other huge enterprises. Hyperledger Fabric utilizes PKI (public key infrastructure), meaning that any entity has a private key and a certificate issued by CA (Certificate Authority). All transactions on the blockchain are signed using the private key.
Shared Liability is our basic principle. We share functionality between a group of independent services — organizations on the blockchain. This means there is no single point of compromise, as is the case in a centralized Certificate Authority (CA). When only one CA private key is used, it is possible to reissue a user’s certificates, and act as a user. In the case of identity management or data storage on the blockchain with PKI, the unlawful re-issuance of a user’s certificates is not possible because multiple services verify identities independently. Optherium uses the blockchain with PKI as a message broker between organizations with cryptographic logs of all operations.
Optherium invented a new algorithm of decentralized reading and writing of information. Data is randomly split into unreadable pieces using a proprietary Sharing algorithm and is stored redundantly in different blockchain locations. The Blockchain works as a decentralized lock where all parties agree on conditions of how the data can be retrieved. Any data uploaded by a user, including personal data, is an asset, and the property of the user and the user can grant permanent or temporary access to process or verify his data to other parties.
The Optherium DataVault solution technically and legally complies with European GDPR Law which is the most progressive extraterritorial law in the Data Protection arena. However, it is also possible to adapt the solution to the laws of any local jurisdiction. The DataVault Solution supports the storage of data in the territory of the user, and we implement other best practices like encryption, logging, data breach prevention, and notification.
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