EXECUTIVE BRIEFING · October 2026
Turn your bank into an Super Agent-powered remittance & compliance hub.
ScalMoney for Banks is a turnkey infrastructure layer: an Super Agent Compliance Co-Pilot trained on Bangladesh Bank & BFIU regulations, real-time fraud scoring, diaspora customer origination across 30+ countries, and instant settlement rails — deployed in weeks, white-labeled to your brand.
8–12 wks
Time to live pilot
30+
Diaspora origination markets
<200ms
Super Agent risk decision latency
BFIU
Native regulatory alignment
THE PROBLEM
Diaspora remittance is the most profitable corridor your bank doesn't fully own.
Bangladesh receives over $24B annually in inward remittance — yet 60%+ is intermediated by foreign MTOs and informal hundi networks. Banks earn FX spread on payout but lose the customer relationship, the data, and the compliance signal.
THE GAP
- Legacy AML rule engines miss structuring and mule patterns hidden in mobile-wallet payouts.
- Manual SAR drafting consumes 3–6 analyst hours per case.
- BFIU CTR/STR reporting is fragmented across spreadsheets and core banking exports.
- No native channel to acquire the 13M Bangladeshis living abroad.
THE PLATFORM
Six modules. One white-labeled portal. Your brand.
Compliance Co-Pilot
Super Agent analyst trained on BFIU circulars, MLPA 2012, and FATF guidance. Drafts SARs, answers policy questions, queries transactions in plain English.
Super Agent Fraud Scoring
Real-time behavioural risk scoring per transaction. Catches structuring, smurfing, occupation mismatch, velocity anomalies.
Sanctions & PEP Screening
Continuous UN / OFAC / EU / domestic PEP with Super Agent name-matching that handles Bangla, Arabic, and Cyrillic transliteration.
Automated BFIU Reporting
CTR (BDT 1,000,000 threshold), STR drafts, monthly inward remittance reports — generated, reviewed, signed off.
Diaspora Origination
Acquire customers via ScalMoney's voice-first remittance app live in 30+ countries. First transfer = new account holder.
Instant Settlement Rails
Plug into global liquidity network. Sub-second nostro settlement, transparent FX, full reconciliation feed.
WHY NOW
Regulation tightening
BFIU Circular 26 (2020) and Circular 28 (2023) raised KYC, virtual-asset, and STR expectations. Manual workflows no longer scale.
Super Agent cost collapse
Gemini/GPT-class models now make a per-bank Compliance Co-Pilot economically viable — what was a $5M build is a 90-day deployment.
Diaspora momentum
Bangladesh's 2.5% remittance incentive + rising wage-earner outflows = a once-in-a-decade window to capture diaspora deposits.
SEE IT LIVE
Two live demos. White-labeled. Real Super Agent. Real data.
Both portals run on production infrastructure. Sign in, open the Co-Pilot, click any flagged transaction, and watch a bank-grade SAR draft itself.
COMMERCIAL MODEL
Platform fee
Fixed annual licence per module. No per-seat charges. No per-API-call surprises.
Revenue share
ScalMoney earns a share of inward remittance volume originated through diaspora app channels.
Implementation
8–12 week pilot. ScalMoney runs the build; your team owns sign-off, branding, and compliance review.
SECURITY & COMPLIANCE STACK
Built to your CTO & CISO's standard — not an afterthought.
ScalMoney runs on the same controls global tier-1 banks deploy: independently audited, encrypted end-to-end, zero-trust internally, and ready for your information-security questionnaire on day one.
CERTIFICATIONS & FRAMEWORKS
SOC 2 Type II
Annual independent audit of security, availability, confidentiality.
PCI-DSS Level 1
Card data handled only by PCI-DSS L1 processors — never on our servers.
ISO 27001
ISMS certified by accredited third party.
GDPR / CCPA
Data subject rights, regional residency, 72-hr breach notification.
PSD2 / SCA
Strong Customer Authentication on every EU/UK payment initiation.
FATF Travel Rule
Originator & beneficiary data exchanged on qualifying transfers.
DEFENCE-IN-DEPTH STACK
Infrastructure
Tier-IV cloud, multi-region active-active, WAF + DDoS protection, private VPC peering with banking partners. 99.99% uptime SLA.
Data Protection
AES-256 at rest, TLS 1.3 in transit, envelope encryption via HSM-backed KMS. Field-level encryption on PII. Tokenized card/account numbers. PITR backups.
Access Control
Zero-trust internal access, FIDO2 hardware keys mandatory for staff, RBAC with quarterly reviews, full audit log on every privileged action.
Monitoring & SIEM
24/7 SOC, real-time anomaly detection, immutable logging, automated policy-violation alerting. MTTD under 5 minutes.
Fraud & AML
Behavioural biometrics, device fingerprinting, velocity rules, OFAC/UN/EU/HMT sanctions + PEP screening on every transaction, SAR workflow.
People & Process
Background-checked staff, mandatory annual security training, secure SDLC with mandatory code review, quarterly CREST-accredited pen tests.
Resilience (BCP/DR)
RPO ≤ 5 min, RTO ≤ 1 hour. Tested quarterly with banking partners. Wind-down plan filed with regulators.
Customer Auth
Biometric sign-in (Face ID / fingerprint), device-bound keys, biometric data never leaves the device, optional hardware-key step-up for high-value transfers.
Isolated Custody
Customer funds in segregated safeguarding accounts at regulated partner institutions — never co-mingled with operating funds.
INTEGRATION & DATA RESIDENCY
- Mutual TLS + signed JWT on every API call; IP allow-listing on partner endpoints.
- Webhook signatures (HMAC-SHA256) with replay protection on every event.
- OAuth 2.0 + OIDC for portal SSO; SAML 2.0 available for enterprise IdPs.
- Optional in-country data residency (BD, EU, US, UAE, SG) — deployable per partner.
- Read-only sandbox with synthetic data for InfoSec review and CBT integration testing.
- Full reconciliation feed (ISO 20022 pacs.008 / camt.053) on settlement events.
DUE-DILIGENCE PACK (UNDER NDA)
SOC 2 Type II report · ISO 27001 certificate · latest pen-test executive summary · BCP/DR plan · AML/CFT policy · Information Security policy · completed CAIQ / SIG / Wolfsberg questionnaires · architecture & data-flow diagrams.
30-minute working session with your compliance & product leads.
We bring the live portal, your team brings 3 real anonymized transactions. You leave with drafted SARs, a fraud risk profile, and a deployment plan scoped to your core banking stack.
ScalMoney · Confidential — for partner bank review only