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FinCode is built on a robust multi-tenant architecture designed to support complex hierarchies of financial institutions, agents, and sub-agents. This ensures that data is securely isolated while allowing for flexible configuration inheritance.

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Architecture Overview

The platform operates on a Principal-Agent model:
  • Principal (Tenant): The top-level entity (e.g., a Money Transfer Operator or Bank) that owns the platform instance. The Principal configures global settings, compliance rules, and liquidity providers.
  • Agent: A business entity operating under the Principal. Agents can have their own customers, branding, and specific configurations, but they operate within the limits set by the Principal.
  • Sub-Agent: A further subdivision under an Agent, often used for retail locations or specific branches.

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Data Isolation

Data security and privacy are paramount in a multi-tenant environment.
  • Logical Isolation: All data (customers, transactions, beneficiaries) is logically isolated by a unique tenantId (often referred to as agents or platform context in APIs).
  • Access Control: Users are assigned roles within a specific tenant context. An admin for “Agent A” cannot access data belonging to “Agent B”.
  • Request Context: Every API request requires context in the request url (like https://${domain}.fincode.software) to ensure the operation is performed against the correct tenant partition.

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Configuration Inheritance

To simplify management, the platform uses a hierarchical configuration system.

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Inheritance Rules

  1. Global Defaults: The Principal sets global defaults for fees, exchange rate margins, and transaction limits.
  2. Agent Overrides: Agents can be configured to inherit these defaults or have specific overrides applied to them.
  3. Specific Rules: If an Agent has a specific rule (e.g., a lower fee for a marketing campaign), it takes precedence over the global default.

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White-Labeling

The platform supports extensive white-labeling to ensure a consistent brand experience for each tenant.
  • Branding: Logos, color schemes, and fonts can be customized per Agent.
  • Communication: Email templates and SMS notifications can be branded to appear as if they are coming directly from the Agent.
  • URLs: Agents can operate on their own subdomains (e.g., agent-a.remitjunction.com).