For fintechs
Not just the rail: modules, APIs and development for your fintech.
Integrate our modules through APIs, or have us build your platform.
API integration
The modules, inside your product.
Signed, idempotent and traceable. Sandbox and production.
API integration
Partner API
Traceable
- 01 KYC/KYB onboardingAPI verification and ultimate beneficial owners. Complete
- 02 Pricing and quotesQuotes with validity periods. Complete
- 03 Screening and monitoringSanctions and source of funds. Complete
- 04 OperationOn-ramp, off-ramp and U.S. dollar settlement. Complete
- 05 AuditImmutable log. Complete
API security
- HMAC signature
- Idempotent
- Per-partner limits
- Sandbox and production
- Signed webhooks
The problem
Everything works until the first awkward question.
- Who authorized this payment?
- Why did the quote show a different price?
- Whose deposit was this?
- Who can change our receiving account?
DESK Core already answers it.
DESK Core
A fintech core, not a banking core.
It takes no deposits and does not replace banks: it orchestrates them. One platform, many brands.
Operate
Through regulated partners in the U.S.
Integrate
Modules through APIs or as components.
Commission
Custom portal, back office and apps.
Modules
Already built and running.
KYC/KYB onboarding
API verification and ultimate beneficial owners.
Screening and monitoring
Sanctions and source of funds.
Pricing and quotes
Quotes with validity periods.
Partner API
HMAC-signed, idempotent, with webhooks.
Treasury and reconciliation
Automated one-to-one reconciliation.
Accounting
Double entry and monthly closing.
Audit and security
Immutable log and 2FA.
Reports
Hash-sealed files.
Portals
Clients, back office and administration.
Quote builder
Rate frozen exactly as the client saw it.
Corporate accounts
Setup and changes with dual signature.
Month-end close
With dual signature.
Why it is different
The locks sit where no one can skip them.
Rules live in the database
Not on the screen.
Nothing is deleted
Mistakes are voided, and stay visible.
Dual signature where it matters
No one approves their own request.
The server calculates the price
The browser cannot alter it.
Interchangeable providers
Switching one does not mean rebuilding the system.
It tests itself
Before every release.
How to engage
Monthly membership, in three tiers.
Portal
DESK Core with your brand, operated by MCMABO LLC.
Processing
Cross-border payments and digital assets.
Services
Screening, reconciliation and reporting.
- Registered with FinCEN (MSB)
- KYC/KYB/KYT
- Travel Rule
- OFAC screening
Getting started
Live this month, not next year.
- The same dayThe fintech and its team are set up.
- One to three daysConnection to banks and operating sources.
- Per contractCredit bureau and institutional onboarding to process.
Nothing to install: it runs in the browser, on your domain.
Important
Each fintech is responsible for its own registration and for the licenses its activity requires. Working with MCMABO LLC does not transfer to third parties the registration of MCMABO LLC with FinCEN or the licenses of our partners. The fintech’s end customers may be subject to direct verification. The modules are software: each fintech operates its own compliance program.
