Home / Solutions / FinTech & Open Banking

Build your digital financial layer without starting from scratch

At NX we design, build and integrate open-banking, financial-verification and payout-automation solutions, and embed them inside your product or app — on infrastructure from providers licensed by the Saudi Central Bank. From verifying the customer, the business and the account, to analyzing financial data and executing payouts and settlement.

Open banking
•••• •••• •••• 4471
Abdullah A***Connected
IBAN matched
Full match · active
Cash flow
Net +42%
24 payouts
SAR 138,400
KYBBusiness active ✓
Built for SaudiAPI integrations · web & mobile
Provider-neutralSAMA-licensed providers
Compliance-readygovernance & audit built-in
Role
Design · Build · Integrate
Positioning
FinTech Enabler
Infrastructure
SAMA-licensed providers
Platforms
Web · iOS · Android · React Native · Flutter
Solutions

A complete financial layer inside your product.

Four productized capabilities we build and embed into your platform — from verification to payouts — without you ever touching the complexity of the banking ecosystem.

NX Verify

Financial verification — IBAN, individuals, businesses, freelancers.

Instant verification of account ownership and customer & business identity, directly or via open banking — before onboarding or any payout.

  • IBAN ownership for individuals, businesses and freelancers
  • Business KYB via the UNN: registry, ownership, management, licenses
  • Freelancer & freelance-permit verification and status
  • National address, articles of association & signing authority
  • International account verification in 50+ countries
Use cases
Customer IBAN before onboardingSupplier IBAN before addingBefore a claim payoutBlock beneficiary-IBAN swapNo manual IBAN certificateBulk-verification gate
verify.nx · accountsecure
IBAN verificationaccount-verification
instant
SASA44 2000 0001 2345 6789 1234
Account exists and is active
Name matches the official record
Account owned by the customer
A
Abdullah A***Bank **** · current account
Full match
NX Open Banking Data

Open-banking data → sharper decisions.

After the customer's consent and account link, we turn accounts, balances and transactions into income, expense, cash-flow and affordability signals.

  • Accounts, balances and transactions in one place
  • Expense categorization, income sources and recurring salary
  • Cash flow and balance over time
  • Affordability and repayment-capacity engine
  • A digital alternative to manual statements + unified reports
Use cases
Affordability engineIncome for non-employeesInitial financing scoringTenant financial analysisInstallment eligibilityTransaction categorization & risk
data.nx · financialsecure
Financial datafinancial-data
linked
48,250SAR · available balance
Salary — depositJul 15
income+18,500
Supplier transferJul 13
suppliers−4,200
SaaS subscriptionJul 11
operations−899
Cash flow · 6 monthsNet +42%
NX Payout Automation

Automated payouts from your account to your beneficiaries.

Create beneficiaries and run single and bulk payments with approvals, status tracking and automatic reconciliation, with real-time updates via webhooks.

  • Create beneficiaries and single & bulk payments
  • Manual, bank-portal or automatic approval
  • Payout status tracking + real-time webhooks
  • Automatic reconciliation + full audit log
  • Claims payouts, supplier dues, vendor earnings, refunds
pay.nx · payoutssecure
Payout batchpayouts · 24 beneficiaries
in progress
M
M. Al-OtaibiSA••21
3,500
N
Nakheel Co.SA••88
8,200Approved
Q
N. Al-QahtaniSA••07
1,900Awaiting approval
Total SAR 138,400Approve & pay
NX Embedded Finance

Financial modules ready to embed in your product.

We build custom FinTech gateways, platforms and modules — business onboarding, an accept/risk engine, a payout console — and embed them into your existing systems and internal operations.

  • A full KYB business-onboarding gateway
  • A customizable accept & risk-rules engine
  • Multi-level approval consoles and permissions
  • Financial reconciliation + audit log and monitoring
  • Embed inside ERP, CRM, SaaS platforms and your apps
verify.nx · businesssecure
KYB business onboardingcommercial-registration
I
Integrated Construction Co.CR 1010•••804 · UNN 700•••
Active ✓
OwnerAbdullah Al-Ghamdi55%
PartnerNoura Al-Otaibi30%
Authorized signatoryKhalid Al-HarbiSole
CROwners & partnersManagersSigning authorityActivitiesLicensesCapitalBranchesNational addressArticles of associationBusiness IBAN
Sectors we serve

Wherever money moves, we build the financial system.

Pick your sector and watch how we build its money journey — from verification to payout.

Insurance

Verify IBAN, pay claims, automatic settlement.

Verify IBAN
Pay the claim
Settle & reconcile

Lending

Verified income & transactions instead of PDFs, instant disbursal.

Link account
Income & affordability
Disburse loan

BNPL

Assess affordability instantly, approve installments with confidence.

Instant verify
Affordability
Approve & split

Digital wallets

Link the account, instant top-up/withdraw, unified view.

Link bank account
Instant top-up / withdraw
Unified view

Remittance

Automated KYC, recipient checks, low-cost direct transfers.

Automated KYC
Direct bank transfer
Auto reconciliation

Trading

Link the account, verify source of funds, deposit & withdraw.

Link account
Source of funds
Deposit & withdraw

Investment & wealth

Verify accounts and source of funds before approval.

Verify account
Source of funds
Approve

E-commerce

Merchant verification, direct payments, refunds handling.

Verify merchant
Process payments
Handle refunds

Real estate

Verify the party, income and source of funds.

Verify the party
Income & source of funds
Decision

Renting

Verify tenant & income, pay & deposit, settle.

Verify tenant & income
Payment & deposit
Settlement

Automotive

Verify income before financing, direct payout to the dealer.

Verify income
Payout to dealer
Recurring service payments

Travel

Direct bank payment, instant issuance, automated refunds.

Direct bank payment
Instant issuance
Automated refund

Gaming

Bank top-ups, fraud prevention, instant winnings payouts.

Bank top-up
Fraud prevention
Pay winnings

Marketplaces

Seller onboarding & verification and payouts.

Onboard & verify seller
Manage orders
Pay out dues

Logistics

Carrier & driver onboarding, trip approval, payouts.

Onboard carrier/driver
Approve trips
Pay out dues

Freelance

Document & account verification and payouts.

Verify doc & account
Approve work
Pay out dues

Procurement & suppliers

KYB, IBAN verification and supplier payouts.

KYB & IBAN check
Approve invoices
Automate payouts
How we deliver

From idea to operation, a clear journey.

01
Map the business journey

Users, money flows and verification points.

02
Regulatory requirements

We separate the tech from the regulated service.

03
Choose the licensed provider

The best fit by products, coverage and cost.

04
Design & build

Interfaces, consoles, a rules engine and approvals.

05
Integrate & test

APIs, SDKs and webhooks in a sandbox.

06
Launch & operate

Monitoring, audit, alerts, reports and settlements.

Technical integration

We ship the experience wherever your customers are.

Ready packages for web and mobile, with full customization, a custom bank list, real-time events over webhooks, and an audit log and monitoring.

WebiOSAndroidReact NativeFlutterERP / CRMWebhooksMCP
Why NX

We don't just hand you an API — we build the product on top of it.

From customer-journey analysis to operation and settlement — we build the whole layer and own the integration with the licensed provider.

Journey analysis & design

We design the flow, interfaces and consoles.

Platform & app development

Web and cross-platform mobile.

Integration with the provider

APIs, SDKs, webhooks and test environments.

Accept & risk-rules engine

Accept/reject policies and risk scoring.

Permissions & approvals

Approval levels and exception handling.

Reconciliation, audit & support

Financial matching, an audit log and post-launch support.

Have a financial idea or an operational journey
still stuck on documents and manual transfers?

Let's turn it into an automated, integrated and scalable digital experience. In the discovery call we review your business model, the money journey, the required verifications, the integrations, the regulatory requirements, and the technical concept, cost and timeline.

Book a 30-min discovery call In the FinTech sector? Start here
Related

Complete the picture

Regulatory notice NX Solutions is a technology company and an enabler of digital financial solutions, providing analysis, design, development and systems-integration services. Regulated financial services, open-banking and payment services — where applicable — are provided through licensed service providers and the relevant financial institutions, within the scope of the applicable licenses, approvals and contractual requirements. NX Solutions does not hold client funds or provide regulated financial services independently unless it obtains the required regulatory license.