Plug into the iO Financial Ecosystem
iO is a modular, API-ready financial platform built for banks, wallets, enterprises, and distributors to integrate, co-create, and deploy collaborative finance solutions.
iO Platform Solutions: Financial Platform-as-a-Service · White-label · Modular · API · Embedded Finance · Global
A R C H I T E C T U R E
A modular platform10 layers deep
iO is not one app it is a structured financial platform composed of 10 modular layers. Partners can integrate at the layer most relevant to their use case.
FOUNDATION LAYER
Pockets, currencies, multi-user structure, KYC, SSO
COLLABORATIVE FINANCE LAYER
Shared access, role management, shared pockets, collaboration tools
INPUT LAYER
Entry creation, receipt scan, AI-assisted recording, voice input
BUSINESS OPERATIONS LAYER
POS, invoicing, stock management, payment processing, reimbursement
MONEY MANAGEMENT LAYER
Budgeting, targets, planning, bill reminders, missions
INSIGHTS & REPORTS LAYER
Analytics, downloadable reports, business overview
AI LAYER - ino
Intelligence, automation, financial assistant, insights, smart planning
EMBEDDED FINANCE LAYER
Payments, linked accounts, bank integration, financial services activation
INCOME OPPORTUNITIES LAYER
Agents, affiliates, Mitra Aktivasi, commission-based distribution
SOCIAL FINANCE LAYER
Rewards, community finance, social features
TECHNOLOGY
Built for scale, security and intelligent collaboration
Cloud-native, API-driven infrastructure designed for high performance, reliability and scalability
Modern Cross-
Seamless experience across mobile and web consistent, fast and intuitive
Scalable
Modular and flexible backend services built to support real-time collaboration and business growth
Enterprise-Grade
Secure, resilient, and highly available cloud infrastructure ready for global scale
AI-Powered
Advanced AI capabilities delivering automation, smart insight, and intelligent financial assistance
Security by
Built with a security-first mindset to protect data, privacy, and every financial interaction
Global Scale
Multi-region ready architecture designed to support users, partners, and integrations around the world
BUILT FOR PARTNERS
Our Solutions
Flexible solutions to integrate and leverage iO’s financial platform and resources
Platform
Modular platform solution, ready to integrate and built on top of iO's infrastructure
Choose only the layers you need
Embed into apps or portals
Scalable and reliable
White-Label
Launch collaborative finance experiences under your own brand with iO Mobile App and iO Portal
Your brand, your colors
Platform capabilities included
Collaborative finance, ready to go
API
Connect to iO's financial infrastructure and data through secure APIs
Open API access
Payment & banking integration
Real-time data and connectivity
PARTNER WITH US
Flexible Financial Infrastructure for Modern Businesses
Banks, payment providers, telcos, enterprises, HR platforms, retailers, and digital ecosystems can leverage iO’s modular FPaaS solutions to launch collaborative finance experiences, embedded financial services, and white-label financial products for their users. Built with API-ready infrastructure and integrated with financial partners, banking services, and payment ecosystems, iO enables organizations to accelerate digital financial innovation without building from scratch