Solutions & Accelerators

Digital Finance / Fintech

Wealth Management
Investment & Trading
Pension & Savings
Consumer Lending
Mortgage with Multiple Lenders

Digital finance or FinTech is simply the new technologies in the financial services industry. It a set of business models, processes or applications that have transformed the traditional way of providing financial services. XTONIQ Soft engaged and provides digital solutions to different clients to meet the needs of these transformed challenges.

We speak the language of this industry and provide financial institutions, banking, insurance, wealth management and fintech experts with pragmatic technology solutions and financial software development. XTONIQ’s long-standing experience and Digital transformation services—from UX/design and to Software development, integration, security, technology, and R&D as a service—allow us to best meet our fintech clients’ needs.

We apply new technology trends that can benefit both consumers and companies by enabling greater access to financial services and offering in areas such as


Wealth Management Solutions

Wealth Management Solutions

  • Build full e2e Digital Client onboarding
  • Build KYC On-line Identification
  • Build customized client and advisor portals and build own screens with user-defined inform
  • Integrate the platform to any self-clearing broker dealer
  • Customize any reporting: Performance, Portfolio, Taxes, Fee & Commission.
  • Secured integrations to different depot and custodian banks

Wealth advisors need to proactively engage with clients and ensure they are delivering a personalised service. We build digital solutions that meet all the needs of the clients, advisors and regulators.

Whether it is a client portal, synchronization, data import or integration, we have the expertise and the implementation know-how to meet our clients highly specific requirements and here are some examples:

Wealth advisors need to proactively engage with clients and ensure they are delivering a personalised service. We build digital solutions that meet all the needs of the clients, advisors and regulators.

Whether it is a client portal, synchronization, data import or integration, we have the expertise and the implementation know-how to meet our clients highly specific requirements and here are some examples:

Digital Lending

Digital Lending

We build complete lending software for banks, credit bureaus, financials, and alternative lenders. Our lending solution around credit origination facilitates the suers/borrowers go through a digital application, where the following stages will follow;

onboarding, online identification, document processing, credit scoring and underwriting, approval and final signed contracts and funds payment.

We integrate loan generation platform with any other external systems to meet these business criteria.

  • Customer verification in terms of KYC/AML & PEP
  • Credit scoring solution
  • Integrate with accounting systems such Abacus
  • Credit Collection and third parties Insurance
  • CRM and Information Management
  • Reporting

Digital Mortgage

Our solution unifies client onboarding, loan origination, credit workflow, risk and decision processes and any related loan administration. The modular solution has been successfully implemented in complex banking environments and enable direct access to the extensive databases of the real estate market across Switzerland.

The credit models hosted in our platform under secured access rights, per each lender

and our algorithms enable both customers and mortgage advisors to easily determine and compare the individual interest rates of all providers in real time.

We build digital B2C and B2B mortgage solutions and platforms that serve as an interface between the affiliated lenders (banks, insurance companies and pension funds) and their intermediary partners or the mortgage providers.


Digital Pension and Saving

XTONIQ builds Digital retirement solutions that provide basic asset management for Swiss pillar 3a retirement savings and Swiss Pillar 2 vested benefits. We enabled bout our clients to offer their services via mobile apps and/or web-based platform, and their customers to use digitally these services and monitor their saving and investments towards their retirement products.

We partnered with the retirement asset management services to invest in a portfolio of low-cost ETFs and index funds. We build and maintain the retirement asset management solutions and other asset management services, by providing an e2e application:

  • Secured Sign up
  • Digital questionnaire
  • Recommended investment portfolio
  • Transferring or depositing pillar 3a assets or vested benefits to your account
  • Manage your portfolio and change the strategy
  • Client cockpit

Digital Life Insurance

We at XTONIQ partnered with some leading Insurance companies to create a complete direct-to-consumer platform that allows existing insured customers and new customers to buy their Life insurance policies completely online. We develop and implement digital platforms and processes to onboard customers online. Our solution promotes self-service capabilities and integrates the advisory model with the Insurance Core System,

by evaluating the application and provide customised offerings to their clients.

We integrate and build customized questionnaires and risk profiling within the application to meet the needs of our clients and their customers, we customized the life insurance offerings within our digital platform that uses a combination of live customer service and digital algorithms to write and price life insurance policies.

We at XTONIQ partnered with some leading Insurance companies to create a complete direct-to-consumer platform that allows existing insured customers and new customers to buy their Life insurance policies completely online. We develop and implement digital platforms and processes to onboard customers online. Our solution promotes self-service capabilities and integrates the advisory model with the Insurance Core System,

by evaluating the application and provide customised offerings to their clients.

We integrate and build customized questionnaires and risk profiling within the application to meet the needs of our clients and their customers, we customized the life insurance offerings within our digital platform that uses a combination of live customer service and digital algorithms to write and price life insurance policies.


White-label solution

White-label solution

XTONIQ’s white-label solution helps you to focus on offering top-notch experiences to your users. Integrate and design your solution flow within your mobile app and web to provide a smooth user experience.

  • Get solution under your name and brand
  • Access all API functions
  • Gain full control over your Online identification
  • Gain full control over your KYC

Security technologies

Security technologies

Our technology solutions to our clients has only one major integrated goal: Secure our client’s businesses and provide strengthen security to their users/customers. These are the security factors that we implement within our digital solutions:

SSO: Implement Single Sign On that are applied by our customers;

Multi-factor authentication (MFA) To reduce dependency on passwords;

Biometrics To accurately identify customers within our digital KYC solution;

Data encryption: To prevent hackers from reading data;

Digital signatures: To authenticate consumers;

DevSecOps: To prioritize compliance and security in the development and testing processes;

API security: This includes secure gateways and authentication;

Better software engineering practices: To mitigate application security vulnerability.


Digital Online Identification and KYC

XTONIQ solutions offers Online-Identification, KYC and AML, and compliance module that help each Business client to meet the digital requirements of Onboarding to their customers and serve them smoothly and efficiently. Our solution process, enable and manage all sort of documents digitally such KYC, contracts, compliance agreements and so on. We could implement this e2e solution within 2 months, that contains the following features:

  • Digital onboarding platform
  • Online identification: Our onboarding integrates with any official and certified One-line video identification
  • KYC questionnaire integrated with central Swiss validation checks
  • AML: Anty Money laundering digital checks
  • PEP: Digitally integrated to centralized checks to identified political exposed persons

Integration API/Data


Integration API/Data

Leveraging API Integration as part of digital transformation, is what we do at XTONIQ Soft.

We build and connect two or more APIs seamlessly with each other. It allows your applications to exchange data and enable different processes and functions throughout internal and external IT systems or platforms. Any system indeed, being a core banking system, a trading system, a CRM system or simply an external application. No matter what apps and systems are employed in an organization, they all need to communicate with each other to maintain synchronization between themselves. Such sync is established with the help of API integration. From cloud-based applications to best-of-breed solutions, integration can connect them with each other and business applications to establish an all-encompassing technology stack.

Our architects and developers are approaching technology strategy and implementation projects with an API-first mindset. This mindset puts APIs at the centre of architectural decision-making, with the idea that APIs will be consumed by mobile devices, websites, enterprise systems and applications, partner portals, and vendor ecosystems.