Customer story: Cailora
How Cailora built a dedicated UK to Egypt money transfer platform on Finhost
Cailora is an FCA-regulated payment institution in London with one focus: moving money from the UK to Egypt. Finhost delivered its web and mobile apps, onboarding, transfer orders, compliance tools and back office, and connected it to the EMIs and banks that carry money across the corridor.
How they receive it
Transfer order
- Created in the app
- Compliance check passed
- Paid out in EGP
Cailora at a glance
- Type
- FCA-regulated payment institution
- Based in
- London, United Kingdom
- Corridor
- UK to Egypt, GBP to EGP
- Customers
- The Egyptian community in the UK, and businesses paying Egyptian providers
- Payouts in Egypt
- Bank account, cash collection, mobile wallet
- Apps
- White-label web, iOS and Android
- Finhost delivered
- Onboarding, transfer orders, compliance tools, back office
- Integrations
- Partner EMIs and banks across the corridor
One corridor, done properly
Many money transfer apps try to cover dozens of countries at once. Cailora chose one route, the UK to Egypt, and wanted to serve it better than the generalists. That meant the technology had to fit how Egyptians in the UK send money and how their families receive it.
An app senders can use on their own
Sign up, pass verification, add a recipient and send money in a few steps, on web or mobile, under Cailora's brand.
Payouts that match how Egypt receives money
Not every recipient uses a bank account. Cailora needed bank deposits, cash collection and mobile wallets, all from the same transfer flow.
Compliance built for a remittance corridor
Every transfer has a sender in the UK and a recipient in Egypt. The platform had to check both, apply limits and send anything unusual to a person for review.
What Finhost built for Cailora
Everything runs under the Cailora brand, on Finhost's white-label payment platform for money transfer businesses.
Branded web, iOS and Android apps
Senders use the same Cailora account on web and mobile. The apps are built around one main job: getting money to someone in Egypt quickly and clearly.
- Cailora branding across every screen, email and notification
- Saved recipients for repeat transfers to family
- Transfer history and status in one place
Related Finhost features
Digital onboarding and KYC
New customers sign up and verify their identity inside the app. The compliance team only steps in when a check needs a person.
- Identity verification during sign-up
- Verification results stored with the customer profile
- Cases needing review routed to the back office
Related Finhost features
Transfer orders from GBP to EGP
Each transfer is a single order that carries the amount, the recipient, the payout method and its status from creation to payout. Customers and the operations team see the same status.
- One order flow for every payout method
- GBP to EGP conversion inside the order
- Status tracking and receipts for each transfer
Related Finhost features
Three ways to receive money in Egypt
Finhost connected Cailora to partner EMIs and banks that pay out in Egypt. The sender picks how the recipient gets the money, and the platform sends the order to the right partner.
- EGP deposits to Egyptian bank accounts
- Cash collection for recipients without a bank account
- Payouts to mobile wallets
Related Finhost features
Compliance tools for a remittance corridor
Transfers are checked before money moves. Limits and review rules are set to Cailora's licence and risk appetite, and anything outside them waits for the compliance team.
- Transaction monitoring on every order
- Configurable limits per customer and per transfer
- Manual review queue for flagged transfers
Related Finhost features
A back office the team runs themselves
Customers, transfers, reviews and partner statuses sit in one admin console. Cailora's operations and compliance teams work there directly, without asking developers for data.
- Customer and transfer management
- Compliance review and decisions
- Role-based access for each team member
Related Finhost features
How the pieces connect
Cailora owns the licence, the customers and the brand. Finhost runs the technology in between and connects it to the EMIs and banks on both sides of the corridor.
Who uses it
Customers
- Senders in the UKindividuals and businesses
- Recipients in Egyptfamily, providers and suppliers
What they see
Cailora apps
- Web appsign-up, transfers, history
- iOS and Androidthe same account on mobile
What runs underneath
Finhost platform
- OnboardingKYC during sign-up
- Transfer ordersGBP to EGP, status tracking
- Compliance toolsmonitoring, limits, reviews
- Back officeoperations and compliance teams
Who it connects to
Partners
- Partner EMIs and bankscollecting and moving GBP
- Payout partners in Egyptbank deposits, cash collection, mobile wallets
How a transfer moves from London to Cairo
Four steps, with Finhost handling the handoffs between the customer, the compliance team and the partners.
- 1
In the app
The sender creates an order
Chooses a saved recipient, enters the amount in GBP and picks bank, cash or mobile wallet.
- 2
Before money moves
Compliance checks run
Monitoring rules and limits apply automatically. Anything unusual goes to the review queue in the back office.
- 3
Across the corridor
The order goes to a partner
Finhost routes it through the partner EMI or bank set up for that payout method.
- 4
In Egypt
Paid out in EGP
The recipient gets the money in their bank account, at a cash collection point or in their mobile wallet.
The hard parts, and how we handled them
A corridor looks simple from the outside: money in here, money out there. These were the parts that took real work.
Three payout methods in one transfer flow
Bank deposits, cash collection and mobile wallets each need different recipient details and behave differently after the money is sent.
Built one transfer order that adapts to the payout method, asking only for the details that method needs and tracking each one to completion.
Several partners behind one product
A corridor rarely runs on a single provider. Cailora works with several EMIs and banks, each with its own integration, formats and statuses.
Integrated the partners into the Finhost platform, so the customer and the back office see one consistent status, whichever partner handles the transfer.
Compliance for a remittance corridor
Regulators and partner banks expect a money transfer business to know both ends of every payment, and to stop unusual transfers before they leave.
Configured monitoring rules, limits and a manual review queue to Cailora's requirements, operated by its compliance team from the back office.
What Cailora runs on Finhost
A full money transfer business, from the sender's first sign-up to the payout in Egypt, under its own FCA authorisation and its own brand.
What a corridor business has to solve
- Senders expect a modern app, not a branch or a phone call
- Recipients in Egypt receive money in different ways
- Payments depend on several EMIs and banks
- Compliance has to cover both ends of every transfer
How it runs on Finhost
- Branded web, iOS and Android apps
- Bank, cash and mobile wallet payouts from one order flow
- Partner integrations managed in one platform
- Monitoring, limits and reviews in Cailora's own back office
What other money transfer businesses can take from this
Own one corridor before adding more
A single route lets you know your customers well and compete on more than price. Cailora built depth on UK to Egypt instead of breadth.
Payout options matter as much as the rate
If the recipient can't easily collect the money, the sender goes elsewhere. Offer the ways people in the destination country actually receive funds.
Don't rely on a single partner
Working with several EMIs and banks keeps transfers moving when one partner changes its terms or appetite.
Set compliance to your licence and corridor
Your limits and review rules should reflect your authorisation and the risks of your route, and your compliance team should control them.
Questions about this project
What does Cailora do?
Cailora is an FCA-regulated payment institution based in London that sends money from the UK to Egypt. Customers pay in GBP and recipients receive EGP.
How can recipients in Egypt receive money?
Through a deposit to an Egyptian bank account, cash collection, or a payout to a mobile wallet. The sender chooses the method when creating the transfer.
What did Finhost provide?
White-label web and mobile apps, digital onboarding with KYC, transfer orders, compliance tools and a back office, plus the integrations with the EMIs and banks that run the corridor.
Can Finhost support a single-corridor money transfer business?
Yes. Cailora runs one corridor on Finhost. The same platform also supports multi-currency accounts and more routes, so a corridor business can expand without changing its technology.
Building a money transfer corridor?
Tell us about your licence, your route and the payout methods your customers need. We will come back with a realistic plan for the platform and partner integrations, based on projects like Cailora.
Talk to the Finhost team
Speak with the people who build and launch these platforms.
Tell us about your projectOr call +372 5368 7222 or email hello@finhost.io