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.
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.
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.
04 · Compliance
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.
Policies & procedures
Comprehensive frameworks protecting all stakeholders.
AML / CTF policy
Comprehensive anti-money laundering and counter-terrorist financing procedures aligned with EU directives and FATF recommendations.
View policySanctions & screening
Real-time screening against OFAC, EU, UN sanctions lists and PEP databases.
View policyAnti-corruption & whistleblower
Zero-tolerance corruption policy with protected, anonymous whistleblower reporting channels.
View policyFraud risk management
Multi-layered fraud detection and prevention with continuous transaction monitoring.
View policyTraining & awareness
Mandatory compliance training for all staff with regular updates and assessments.
View policyGovernance
Oversight and accountability at every level.
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
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
Reporting & whistleblower channel
Secure, anonymous reporting mechanism for compliance concerns and suspicious activities.