Platform Layer

Money movement and disbursement infrastructure for products that handle real money.

FinTec IQ is the financial infrastructure layer inside the AVATARé platform stack. It provides the core banking, card issuance, digital wallets, acquiring, loyalty, and compliance capabilities that every AVATARé product draws from when it needs to move, store, or track money.

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44

Integrated solutions across the platform

7

Core infrastructure domains

3

Products currently drawing from FinTec IQ

2022

Platform in development since founding

What FinTec IQ is

The financial stack that most companies spend years trying to build.

Building financial infrastructure from scratch means navigating card network agreements, sponsor bank relationships, BSA/AML compliance, and core ledger architecture before writing a single line of product code. Most companies that attempt it spend two or more years and millions of dollars before they have something production-ready.

FinTec IQ makes that infrastructure available as a platform layer. What normally takes years to build is available from the start, so every AVATARé product built on top of it can focus on what it is actually designed to solve rather than rebuilding financial plumbing.

InsurTec IQ is an ingredient, not a standalone product.

FinTec IQ is not the sole foundation of any single AVATARé product. Every product draws from FinTec IQ in combination with InsurTec IQ and OpsTec IQ, configured for the specific market it serves. The platform is the ingredient. The product is the recipe.

Currently powering

Benefits Paid, TeamSpend, and Settled IQ all draw from FinTec IQ for money movement, disbursement, and financial account infrastructure. Each product uses different combinations of FinTec IQ capabilities alongside the other platform layers.

Platform capabilities

Seven domains. 44 integrated solutions.

Each domain addresses a distinct layer of the financial infrastructure stack. Together they form a complete, white-labeled financial technology platform deployable by institutions, fintechs, and financial product companies.

44

Integrated solutions across 7 domains

Domain 01

Core Banking

Account management, ledger, transaction processing, and reconciliation. The foundation everything else runs on.

  • Account management
  • General ledger
  • Transaction processing
  • Reconciliation
  • Statements

Domain 02

Card Issuance

Physical and virtual card programs, BIN sponsorship, card controls, and real-time spend management.

  • Physical cards
  • Virtual cards
  • BIN sponsorship
  • Card controls
  • Spend alerts

Domain 03

Digital Wallets

Stored value accounts, peer-to-peer transfers, and closed-loop payment capabilities for consumer and business use cases.

  • Stored value
  • P2P transfers
  • Closed-loop
  • Multi-currency
  • Balance mgmt

Domain 04

Acquiring and Soft POS

Merchant acquiring infrastructure and mobile point-of-sale for platforms that need to accept payments without a separate processor.

  • Merchant acquiring
  • Mobile POS
  • Payment acceptance
  • Settlement
  • Chargebacks

Domain 05

Loyalty and Rewards

Points, cashback, and tiered reward programs configurable by the deploying institution or brand. Sits on top of core banking and card layers.

  • Points programs
  • Cashback
  • Tiered membership
  • Redemption
  • Partner offers

Domain 06

Ecommerce

Storefront and marketplace infrastructure for financial product companies that sell goods or services inside their platform.

  • Storefront
  • Marketplace
  • In-platform purchasing
  • Order management
  • Catalog mgmt

Domain 07

Compliance and AI

BSA/AML, fraud detection, risk scoring, audit automation, and regulatory reporting. Built in from the start. This is what makes FinTec IQ deployable in regulated environments.

  • BSA/AML
  • Fraud detection
  • Risk scoring
  • Audit automation
  • Reg reporting

Why compliance is a platform layer, not an add-on.

Most financial software companies treat compliance as a feature they add when regulators require it. AVATARé built it into the platform from day one because every product deployed on FinTec IQ operates in a regulated environment. BSA/AML, fraud detection, and risk scoring are not optional.

This is what allows AVATARé products to pursue federal charters, work with sponsor banks, and operate inside card networks without rebuilding compliance infrastructure from scratch for each deployment.

Programs

How FinTec IQ capabilities reach specific markets.

Programs are go-to-market deployments that sit under each product. They are where FinTec IQ infrastructure becomes a tangible experience for an end user, whether a sports official receiving payment, an attorney disbursing settlement funds, or an auto glass shop getting paid without chasing an insurer.

Benefits Paid

Voluntary Benefits

Commission or premium split deposited on schedule, every time, without waiting on a third party to move it.

Benefits Paid

Workers Compensation

Settlement or claim payment clears and lands on a more set timeline, ending the wait for a check to clear.

Benefits Paid

Class Action Payouts

Firms disburse client funds on a predictable schedule instead of tracking down where a payment is stuck.

TeamSpend

Sports Officials

A digital wallet that ties payment, spend, and tracking for officials, associations, and scorekeepers all in one place.

TeamSpend

AAU and Travel Teams

One account for coaches and club directors to collect payments, distribute stipends, and track team spend in real time.

TeamSpend

NIL and College Athletics

A centralized system to distribute and track NIL, revenue-sharing, and stipend payments with full compliance documentation.

TeamSpend

Headless SDK

Embeds wallet, card issuance, and fund distribution directly into existing sports management platforms via developer API.

Settled IQ

Auto Glass Advocates

Pays auto glass shops 100% of their invoice within 3 to 5 days and takes full legal assignment of the insurance claim.

More programs in development as new markets are identified and partnerships are structured.

Enabled by Powers

FinTec IQ operates on top of the AVATARé Powers layer. This is what makes it legally and operationally viable.

Sponsor Banking

Fiduciary Powers

Trustee Powers

Money Movement Powers

Lending Powers

Work with us

Want to understand how FinTec IQ fits into a specific solution?

The best way to understand how the platform stack works in practice is to walk through a specific product or deployment with our team.

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Vertical SaaS infrastructure. Platform / Product / Program / Powers. Founded 2022, North Logan, Utah.

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