Koala.Multibanking – The Future of Financial Management

Koala.Multibanking not only enables the efficient management of settlement accounts through our BaaS partner but also facilitates seamless integration of clients' bank accounts and payment flows directly into your trading platform. This solution connects modern trading with the flexibility of multibanking, offering portal operators—such as custodians, neo- brokers, and asset managers—a centralized platform for maximum transparency and optimized processes.

Money Management in Koala.Markets

The Money Management module of Koala.Markets is the cornerstone of efficient and flexible financial management. It allows portal operators to seamlessly manage complex transactions while ensuring maximum transparency and security.

Core Features:

• Efficient Management of Settlement Accounts:
  Through the integration of Banking Circle, portal operators can provide individual settlement accounts with assigned IBANs for each client.

  • Automated bookings ensure smooth management of trading balances.
  • Real-time monitoring of account balances for transparent transactions.

• Seamless Integration with Trading and Operational Accounts:
  

  • Client accounts are directly linked with the master settlement account and other operational accounts to centrally control deposits and withdrawals.
  • Virtual accounts provide each client with a unique IBAN for efficient payment flows.

• Optimized Liquidity Management:
  

  • Automatic transfers between settlement accounts, bank accounts, and trading accounts based on trading activity.
  • Integration of credit lines (e.g., overdraft) for purchases when there is insufficient coverage.
  • Support for real-time transfers to execute investments without delays.

• Transparent Financial Analytics:
  

  • Display of account balances, transaction histories, and investment developments in clear reports.
  • Automated alerts for irregularities or liquidity shortfalls.

• Flexibility for Operators:
  

  • Support for omnibus accounts (collective accounts) for optimized clearing processes.
  • Scalable infrastructure for growing transaction volumes.

Strategic Advantage:

The Money Management module combines efficiency and flexibility by enabling portal operators to offer a scalable and secure platform. Clients benefit from a centralized financial overview, while operators maintain full control over bookings, liquidity, and clearing processes

Settlement Accounts via Banking Circle

The core of the payment and settlement solutions in Koala.Multibanking are the settlement accounts provided through Banking Circle. These offer portal operators a robust infrastructure for managing and processing all financial transactions—ranging from client deposits to trade activities

Key Benefits:

• Individual Settlement Accounts with IBANs:

  • Each client receives their own settlement account, directly linked to the portal operator’s platform.

  • The accounts allow for clear allocation of deposits, withdrawals, and investments.

• Centralized Transaction Processing:

  • A central Master Settlement Account aggregates all financial flows and enables transparent, automated bookkeeping.

  • Omnibus accounts (collective accounts) provide an efficient solution for high transaction volumes and clearing processes.

• Real-Time Monitoring and Automation:

  • All trading balances are monitored in real-time and automatically adjusted.

  • Automated booking processes reduce manual intervention and accelerate transaction processing.

• Flexibility and Scalability:

  • Existing bank accounts from clients can be seamlessly integrated. At the same time, Banking Circle accounts provide the scalability needed for both startups and established banks.

• Security and Compliance:

  • All accounts are managed through a regulated infrastructure ensuring the highest security standards.

Additional Features:

• Processing Specific Requirements:

  • Support for retrocessions, direct debits, and specific clearing processes.

  • Provision of escrow services for particularly secure transactions.

• Multibanking Integration:

  • With EBICS and HBCI, clients can access their external bank accounts and synchronize them with their settlement accounts.

Strategic Advantage:

The settlement accounts via Banking Circle enable portal operators to utilize cutting-edge payment infrastructure that is both secure and flexible. This creates the foundation for a seamless customer experience and efficient processing

Multibanking with EBICS and HBCI Integration

With Koala.Multibanking, Koala.Markets offers a solution that goes far beyond the simple management of settlement accounts. The integration of EBICS (Electronic Banking Internet Communication Standard) and HBCI (Home Banking Computer Interface) enables portal operators to provide their clients with comprehensive, centralized financial management.

Core Features:

• Centralized Account Management:
  Clients can view and manage all their bank accounts as well as deposits on a single platform, providing a holistic financial overview, regardless of the number of banks or accounts linked.

• Seamless Access to Bank Accounts:
  With EBICS and HBCI, clients can integrate their bank accounts directly into the trading platform, allowing them to track balances, transactions, and payment flows in real time.

• Automated Transfer of Deposits:
  Koala.Multibanking enables clients to transfer their deposit assets from external banks directly to the platform of the portal operator. This process is incentivized by advantages such as more favorable custody conditions or exclusive services.

• Real-Time Transfers:
  Clients can transfer funds directly from their bank accounts to the settlement account at Banking Circle to execute investments without delay. Credit lines can also be considered to facilitate purchases when funds are insufficient.

• Complete Integration with Settlement Accounts:
  Connecting bank accounts with settlement accounts at Banking Circle offers maximum flexibility. Clients can seamlessly move funds between these accounts and manage their trading activities centrally.

Security and Integration Benefits:

• Top-Level Data Security:
  End-to-End Encryption ensures the security of sensitive data
  Multi-Factor Authentication protects against unauthorized access

• Future-Proof Architecture:
  The existing EBICS and HBCI infrastructure can be flexibly expanded to meet future requirements.

• Flexible Adjustment to Client Needs:
  Portal operators can configure specific multibanking functionalities according to their target audience and business model to create an optimized user experience.

Strategic Advantage:

By integrating EBICS and HBCI, Koala.Multibanking not only provides transparency and efficiency but also enables long-term customer retention. The combination of deposit management, settlement accounts, and bank account integration creates unique added value for both portal operators and clients

Vision: The All-Inclusive Financial Manager

Koala.Markets aims to create a central platform that covers the entire financial needs of a portal operator—from integrating settlement accounts to seamlessly connecting clients’ bank accounts and deposits. Our goal is to elevate financial management for custodians, neo- brokers, and asset managers, securing sustainable competitive advantages.

A Central Hub for All Financial Processes:

• Seamless Connection of Bank and Trading Accounts:
  With Koala.Multibanking and comprehensive Money Management, a complete overview and control of liquidity is enabled—ensuring maximum transparency and efficiency.

• Optimized Deposit Management:
  Clients can manage their deposits directly on the platform and benefit from features like automated deposit transfers. This not only ensures transparency but also creates incentives for customer retention.

• Real-Time Flexibility:
  Real-time transfers and dynamic management of credit lines allow for immediate execution of trading decisions—an essential advantage in a volatile market environment.

The Future of Financial Management:

• AI-Based Financial Planning:
  In the near future, Koala.Markets may offer AI-based financial planning that provides optimized investment and liquidity management recommendations based on client history, market trends, and investment goals.

• Automated Portfolio Management:
  A rule-based system for portfolio rebalancing and diversification helps clients efficiently and sustainably manage their investment strategy.

• Digital Infrastructure for Growing Needs:
  With flexible API interfaces and seamless integration of EBICS and HBCI functions, Koala.Markets provides a scalable infrastructure that adapts dynamically to future needs.

The Future of Financial Management:

Our long-term vision is to make Koala.Markets the preferred platform for portal operators who need not just standardized solutions, but tailored services for their target audience. Through the seamless integration of all financial processes—from liquidity management to deposit management—we position ourselves as a trusted partner that provides real value and long-term customer loyalty