Technology · API-first infrastructure

The platform

The core that powers digital finance

A modular, API-first infrastructure that connects traditional banking with blockchain — secure, scalable, and compliant by design.

BitGo
Chainalysis
Circle
Fireblocks
Persona
Stellar
Web3Auth
Sumsub
BitGo
Chainalysis
Circle
Fireblocks
Persona
Stellar
Web3Auth
Sumsub

01 · Security & scale

Enterprise-grade by default.

Every layer of the stack is built around the assumption that money moves at internet speed. Cryptographic guarantees, hardened infrastructure, and operational rigor — applied to every transaction.

99.99%
Uptime SLA
AES-256
Data at rest
24/7
Monitoring
01
MPC custodial & non-custodial wallets
Multi-Party Computation keeps key shares distributed. Users keep full asset control with zero single point of failure.
02
End-to-end encryption
AES-256 for data at rest, TLS 1.3 for data in transit. Hardware-backed key storage.
03
24/7 monitoring & incident response
Real-time threat detection, automated mitigation, and a dedicated on-call SecOps rotation.
04
Multi-tenant architecture
Logically isolated environments sharing hardened infrastructure for predictable performance at scale.
05
Horizontal scaling
Auto-scaling stateless services and partitioned data layers built to handle millions of transactions per day.
06
99.99% uptime SLA
Multi-region redundancy, automated failover, and global edge delivery for maximum availability.

02 · Developer experience

One SDK.
Every rail.

RESTful APIs with full TypeScript SDKs, webhook delivery, and a sandbox that mirrors production. Ship payments, KYC, virtual accounts, and on-chain settlement from a single integration.

REST
API style
TS
Typed SDK
Sandbox
Day-one access
ypfin-sdk · node
payments.ts
import { YPFin } from 'ypfin';

const ypfin = new YPFin('<api_key>');

// Stablecoin Payout from Partner Wallet
await ypfin.payments.create({
  walletId: "a:25022613287255:zmHs0pg:1",
  amount: 1000,
  currency: "USD",
  reference: "REF777579",
  type: "OUT",
  returnUrl: "https://my-return-url.com",
  customerId: "1289702",
  flow: "EMBEDDED_CRYPTO",
  payOutDetails: {
    currency: "USDC",
    code: "crypto",
    address: "0xca3b0670d63f4faa1a876efce4c471fb41abf124",
    protocol: "ERC20"
  },
  complianceDetails: {
    requesterIpAddress: "77.71.188.87",
    partyDetails: [{
      type: "BENEFICIARY",
      entityType: "INDIVIDUAL",
      firstName: "John",
      lastName: "Doe",
      dateOfBirth: "1984-06-30",
      relationshipType: "THIRD_PARTY",
      countryCode: "DE"
    }]
  }
});

03 · Integrations

Pre-wired to the rails that matter.

Banking networks, blockchain protocols, identity vendors, and compliance databases — already plumbed in. No vendor management, no glue code, no surprise downtime.

Seamless connectivity to global banking networks enabling real-time cross-border payments, domestic transfers, and automated clearing house transactions with full regulatory compliance.

04 · Compliance

EU Regulated Financial Institution

Compliance, written into the architecture.

Regulatory controls are not a wrapper — they are baked into every layer of the platform, aligned with EU, FATF, and Estonian requirements.

Regulatory framework

Built under Estonian regulation. Aligned with the EU.

YP Financial OÜ operates under direct supervision of the Estonian Financial Intelligence Unit with full alignment to European Union directives and forward-looking readiness for emerging regimes.

5AMLD
EU AML directive
MiCA
Crypto-asset ready
01
EU 5th Anti-Money Laundering Directive (5AMLD)
Full alignment with the EU's most current AML framework, including beneficial-ownership and enhanced due diligence.
02
FATF recommendations
Risk-based controls aligned with the 40 Financial Action Task Force recommendations.
03
Estonian FIU requirements
Direct supervision and reporting line to Estonia's Financial Intelligence Unit.
04
GDPR data protection
Privacy-by-design data handling, DPIA reviews, and granular subject-access workflows.
05
PSD2 payment services directive
Strong customer authentication, secure communication, and open-banking interoperability.
06
MiCA readiness
Operating model and disclosures prepared for the Markets in Crypto-Assets regime.

Policies & procedures

Comprehensive frameworks protecting all stakeholders.

01

AML / CTF policy

Comprehensive anti-money laundering and counter-terrorist financing procedures aligned with EU directives and FATF recommendations.

View policy
02

Sanctions & screening

Real-time screening against OFAC, EU, UN sanctions lists and PEP databases.

View policy
03

Anti-corruption & whistleblower

Zero-tolerance corruption policy with protected, anonymous whistleblower reporting channels.

View policy
04

Fraud risk management

Multi-layered fraud detection and prevention with continuous transaction monitoring.

View policy
05

Audit oversight

Independent internal and external audits ensuring regulatory compliance.

View policy
06

Training & awareness

Mandatory compliance training for all staff with regular updates and assessments.

View policy

Governance

Oversight and accountability at every level.

01 / Oversight

Board of Directors

Independent board oversight with quarterly compliance reviews and strategic risk assessment.

  • 01Quarterly compliance audits
  • 02Risk assessment reviews
  • 03Policy approval authority
  • 04Regulatory liaison
02 / Reporting

MLRO

Dedicated Money Laundering Reporting Officer responsible for AML/CTF oversight and regulatory reporting.

  • 01SAR / STR filing management
  • 02Transaction monitoring oversight
  • 03Regulatory communications
  • 04Staff training coordination
03 / Whistleblower

Reporting & whistleblower channel

Secure, anonymous reporting mechanism for compliance concerns and suspicious activities.

Compliance reporting
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Anonymous whistleblower
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Due diligence

Request compliance documents.

Need detailed regulatory documentation for due diligence, vendor onboarding, or board review? Our compliance team responds within one business day.