OCEANUS - Neo Banking & Wallet Solution | FINAP
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Neo Banking & Wallet Solution

OCEANUS —
The Next Generation
of Banking

A four-in-one neo banking platform — core banking, agent banking, merchant banking, and digital wallet — fused into one seamless mobile ecosystem for FSPs, agents, merchants, and customers.

Live Product iOS & Android Four-in-One Branchless Banking
Four-in-One Platform
01
Core Banking
Full backend infrastructure
02
Agent Banking
Rural & branchless reach
03
Merchant Banking
POS & e-commerce payments
04
Digital Wallet
P2P, payments & transfers
Mobile wallet on Android & iOS
Web portal for online transactions
Biometric & password protection
Real-time payments & settlements
POS with real-time generated QR codes
Overview

All Fused Into One —
The Neo Banking Difference

Neo banking allows Financial Service Providers to enable a technology-rich service to their agents, merchants, and customers via a mobile ecosystem that ensures an extremely simplified banking experience for all parties involved — with uncompromised financial benefits.

The OCEANUS neo banking solution facilitates branchless expansion for Financial Institutions. Mobile banking and digital wallets also promote financial inclusion in remote areas where bank branches are scarce — bringing the next generation of banking to communities that have historically been left behind.

OCEANUS provides a fully functional core-banking back-end with a digital banking front-end for the consumer. The agent banking functionality helps provide banking services to the rural populace, while merchant modules offer POS and e-commerce payment solutions for retail enterprises.

Product At a Glance
OCEANUS Neo Banking Platform
CategoryNeo Banking
ModelFour-in-One
PlatformiOS, Android, Web
SecurityBiometric + E2E
PaymentsReal-Time
Support24 / 7 / 365
No commitment · Free consultation
Architecture

A Four-in-One Solution

Four complete banking modules — all fused into one platform, all accessible from a single mobile ecosystem.

01
Module One
Core Banking
Back-End

A fully functional core-banking infrastructure that powers everything beneath the surface — providing the engine for digital banking operations at any scale.

Full-featured banking back-end
Real-time transaction processing
Digital banking front-end for consumers
02
Module Two
Agent Banking
Network

The agent banking functionality brings banking services directly to the rural populace — enabling FSPs to reach communities far beyond the reach of a physical branch network.

Branchless banking expansion
Financial inclusion for remote communities
Agent-driven service delivery
03
Module Three
Merchant Banking
& Payments

Merchant banking modules offer comprehensive POS and e-commerce payment solutions for retail enterprises — enabling businesses to accept digital payments seamlessly.

POS transactions with real-time QR codes
E-commerce payment integration
Bill & statutory payments
04
Module Four
Digital Wallet
Solution

The OCEANUS digital wallet facilitates seamless peer-to-peer fund transfers, payments, deposits, and withdrawals in just seconds — faster, safer, and more convenient than traditional methods.

P2P transfers in seconds
Deposits & withdrawals
iOS & Android wallet app
Platform

Built-In Platform Features

Every feature of the OCEANUS platform is designed to deliver security, speed, and accessibility across all user types.

Mobile Wallet — iOS & Android
Full-featured mobile wallet available natively on both iOS and Android platforms with zero compromise on capability.
Web Portal
A dedicated web portal for online transactions — giving users flexibility to bank from any browser, any device.
Biometric & Password Protection
Secure logins via biometric authentication and password protection — ensuring only authorised users access their accounts.
End-to-End Transaction Security
Every transaction is protected with end-to-end encryption — from initiation to settlement, with no compromise on data integrity.
Real-Time Payments & Settlements
Online real-time payment processing and instant settlement — eliminating the delays associated with traditional banking rails.
Bill & Statutory Payments
Pay utility bills, statutory obligations, and service fees directly from the OCEANUS wallet — all in one place.
POS with Real-Time QR Codes
Point-of-sale transactions powered by real-time generated QR codes — enabling merchants to accept payments instantly and securely.
Merchant Banking Module
A dedicated merchant banking layer offering e-commerce and in-store payment solutions tailored for retail enterprises of all sizes.
Digital Wallet

The OCEANUS Wallet —
Faster, Safer, Smarter

The OCEANUS wallet is faster, safer, more reliable, and more convenient than traditional payment methods. The wallet solution is mobile-based and supports both iOS and Android — giving users a single tool for all their financial needs.

Neo banking and mobile banking channels are cheap and convenient as opposed to traditional banking methods — and we believe that fintech innovations will be the key to solving many issues in the developing world.

OCEANUS can be used for banking, finance, remittance, payments, and banking the unbanked and underbanked communities — increasing financial inclusion one transaction at a time.

Wallet At a Glance
iOS
Supported
Android
Supported
P2P
Instant Transfers
E2E
Encrypted
Banking & finance
Remittance & cross-border transfers
Bill & merchant payments
Banking the unbanked & underbanked
Deposits & cash withdrawals
Financial Inclusion
Reaching the Unbanked —
One Mobile Transaction at a Time
Mobile banking and digital wallets promote financial inclusion in remote areas where bank branches are scarce. OCEANUS enables Financial Institutions to facilitate branchless expansion — bringing real banking services to communities that traditional channels have never been able to serve affordably or at scale.
4-in-1
Platform Modules
iOS & Android
Mobile Wallet
24/7
Real-Time
Get Started

Get In Touch
With Us

Ready to bring the next generation of banking to your institution and the communities you serve? Speak to our team about how OCEANUS can be implemented for your organisation — whether as a complete four-in-one platform or as individual modules.

Contact us for more information or to speak directly with a FINAP representative.

Email Us → Contact Page
Customer Support
Primary
+94 77 639 5135
Secondary
+94 76 624 2250
FAQ

Frequently Asked Questions

Technical
How scalable is OCEANUS and how easily does it integrate with existing systems?
OCEANUS Neo banking solution is highly scalable, accommodating the growth of your operations seamlessly. Its modular design enables smooth integration with existing systems, ensuring minimal disruption during implementation.
What security measures protect the backend and end-user financial data?
Answer to be provided by the FINAP team.
How user-friendly are the mobile banking and wallet interfaces for users in remote areas?
Answer to be provided by the FINAP team.
How does OCEANUS ensure compliance with KYC and AML regulations?
Answer to be provided by the FINAP team.
What customer support and training does OCEANUS offer to FSPs, agents, and merchants?
Answer to be provided by the FINAP team.
Business
What is OCEANUS?
OCEANUS is a comprehensive Neo banking platform that integrates core banking, agent banking, merchant banking, and digital wallet functionalities into one seamless solution — enabling FSPs to deliver a full spectrum of financial services through a mobile ecosystem.
What services does OCEANUS provide?
Answer to be provided by the FINAP team.
What platforms are supported by OCEANUS?
Answer to be provided by the FINAP team.
What are the benefits of the OCEANUS Wallet?
Answer to be provided by the FINAP team.
Why choose OCEANUS over traditional banking methods?
Answer to be provided by the FINAP team.