Cannot hold client funds
- No client account or e-wallet balance
- Funds cannot rest in the system, even briefly
- Payment instructions only, not a stored balance
Payments & Money Movement
Transfer Orders
A compliant way to send money abroad, for Non-Custodial Payment Providers. Your customer specifies where the money should go, and it is forwarded directly, without ever sitting in a balance.
Specifically designed for Non-Custodial Payment Providers
Send money abroad
No customer balance required
Track every order
Status stays visible to the customer
2 min
rate lock
Built for a specific license reality
When your license will not let you hold client funds
Non-Custodial Payment Providers do not allow a platform to hold customer balances. Transfer Orders is how those platforms still offer a send-money experience.
Still a full send-money experience
- Customer specifies currency, amount, and recipient
- Funds pass straight through to the recipient
- Full order tracking, without a balance account
CapabilityNon-Custodial Payment ProvidersCustodial & Stored-Value Providers
First-party paymentAllowedAllowed
Client account or e-wallet balanceRestrictedAllowed
Provide IBANs and account numbersAllowed, as transfer instructions onlyAllowed
What is included
Everything a compliant transfer needs
Automatic corridor routing
The right payment method, local rail or SWIFT, is chosen automatically from the currency and country your customer picks.
A rate locked long enough to decide
Once your customer reaches the final confirmation, the rate is held for a short window, so it cannot shift under them mid-decision.
Clear deposit instructions
A dedicated reference number ties every incoming deposit to the right transfer order, every time.
Full order tracking
Customers can check the status of any transfer at any time, from deposit received through to funds sent.
Recipients you can reuse
Every recipient added is saved for next time, the same as anywhere else in the platform.
Fiat and crypto corridors
Send in a fiat currency or in supported crypto networks, using the same underlying flow.
How it works for your customer
Six steps, from choosing a corridor to funds arriving
No balance is created at any point in this flow.
Choose currency and country
Send currency, receive currency, and both countries.
Enter an amount
Either side, send or receive. The other is calculated.
Add a recipient
The standard recipient form, scoped to the right method.
Confirm the transfer
Review amounts, rate, and recipient, one last time.
Send the deposit
Using the bank details and reference number shown.
Track and receive
Funds are confirmed, exchanged, and sent to the recipient.
100.00GBP
6,880.50EGP
Fee1.00 GBP
Exchange rate1 GBP = 69.5 EGP
The fee is always shown. Any rate margin never is.
Choosing an amount
Enter either side, get the other automatically
Your customer can fix the amount they send, or the amount the recipient should receive, whichever matters to them.
- The amount they typed never changes when the rate updates
- Only the other, calculated side adjusts
- If the fee would exceed the amount sent, the customer is stopped clearly, before submitting
Caught before it happens
If the fee is larger than the amount entered, the amount is shown in red and the customer sees: Amount must be greater than the fee
Tracking a transfer
Your customer can always check where things stand
A transfer order has its own details view, available any time, with a clear current status.
- Amounts, applied rate, and recipient details, all in one place
- A specific, plain-language explanation for every status
- Deposit instructions available again if a deposit still needs to be sent
TO-4471Processing
Order is created. Expecting your deposit.
Deposit is initiated (by you).
Deposit is received.
Transfer is sent to recipient
Adding a recipient
The same recipient form as everywhere else
Nothing new to learn. The standard recipient form appears, already scoped to the right payment method for the corridor chosen.
- Bank country is pre-filled and locked, avoiding a common entry mistake
- For Egypt specifically, the customer can add a recipient by IBAN or by phone number
- Every recipient added is saved for next time, exactly like recipients added anywhere else
Saved once. Reusable on every future transfer.
Fatima AliPersonal
Phone number+20 100 123 4567
RelationshipFather
Saved automatically for your next transfer to Fatima.
Where money can go
Local rails where they exist, SWIFT everywhere else
The right method is chosen automatically. Your customer never has to know the difference.
Why FinHost
Compliant by design, not as an afterthought
Built for the license, not around it
Designed from the ground up for licenses that don’t allow holding client funds, not adapted from a balance-based product.
Every step confirmed, nothing silent
Your operations team confirms each stage of a transfer explicitly, with a stated reason required for any rejection.
The fee is honest, always
What the customer is charged is always shown clearly, on the confirmation screen and on the order itself, every time.
Behind the scenes
Your operations team stays in full control
Today, every transfer order is progressed by an admin, one confirmed step at a time.
One Back Office workspace
Find, review, and progress every transfer order
Operations teams can work from one place without jumping between separate tools or disconnected records.
Find the right order fastFilter by user, order ID, deposit reference, date, status, or sub status.
Confirm each stage explicitlyFrom deposit received through to the outbound payment, each step stays under operational control.
Keep order context togetherStatus, recipient, corridor, rate, fee, and compliance information remain attached to the same order.
Operational controlEvery stage confirmed by admin
Filter & review
One workspace for every order
Related FinHost modules
Part of the same payments and compliance experience
Offer compliant money transfer, no balance required
Built for the license restrictions that a standard account-based product cannot serve.
Frequently Asked Questions
Do I need a license that allows holding client funds to use Transfer Orders?
No. Transfer Orders exists specifically for Non-Custodial Payment Providers. If you are a Custodial & Stored-Value Provider, your customers can also use standard account-based transfers.
Does the customer ever have a balance?
No. Funds pass through the platform’s own account and are forwarded to the recipient. They are never held in a personal balance for the customer.
Can the customer see the status of their transfer?
Yes. Every transfer order has its own details view the customer can check at any time, showing the current status, the amounts, the applied rate, and the recipient details.
Does the customer see the exchange rate markup?
No. The fee is always shown clearly. Any margin built into the exchange rate itself is never shown to the customer, on the screen or in the underlying data returned to the app.
What happens if a rejected transfer already received a deposit?
The customer is told their deposit will be returned, and once it is, they see a clear confirmation that it has been sent back to them.
Can the customer add a recipient by phone number instead of a bank account?
For corridors that support it, such as Egypt, yes. The customer can choose to add a recipient by IBAN or by phone number, and both options appear together when reusing a saved recipient.