OVAAL is a neutral control plane for programmable financial products. One modular layer runs accounts and wallets, money movement and routing, settlement, reconciliation, and the policies that govern every transaction. Brokers, EMIs, wallets, marketplaces, and AI-native platforms build on it under their own license.
OVAAL is a technology and orchestration platform, not a bank, EMI, or CASP. Regulated services are provided by appropriately authorised customers and third-party providers. Availability depends on jurisdiction, provider approval, and service scope.
Financial products shouldn't be hard-wired to one provider, one wallet stack, one payment rail, or one compliance vendor. OVAAL sits in the middle, so your team controls the experience while authorised providers and rails do the regulated work.
People, businesses, and (on the roadmap) software agents that ask to move or manage money.
Identity, permissions, policy, and approvals decide what each initiator is allowed to do.
Accounts, wallets, routing, ledger, reconciliation, and audit, kept as one operational record across every provider.
Authorised providers, banks, payment rails, and digital-asset rails settle the actual money movement.
Adopt the whole control plane or the modules you need. Providers and rails plug in beneath each one.
Human and business accounts with unified identity, permissions, delegated access, and recovery. The first rail today is ERC-4337 smart-contract wallets with passkeys and gasless flows.
Accounts & wallet orchestration →Route deposits, transfers, conversions, and payouts across eligible providers and rails using cost, eligibility, availability, and observed performance.
Money movement & routing →Track an instruction from authorisation through execution, settlement, exception handling, reconciliation, and receipt, as one record your finance team can audit.
Settlement & reconciliation →Define who or what may initiate a financial action, under which conditions, within which limits, and with which approvals. Every rule previews before it runs.
Policy & automation →Connect KYC, KYB, sanctions, wallet screening, transaction monitoring, and Travel Rule workflows through configurable integrations you operate under your own authorisation.
Risk & compliance orchestration →Integrate through versioned APIs, SDKs, webhooks, sandbox tooling, and implementation support. Exportable data and a self-host path on the roadmap.
Developer platform →One operational record follows each financial action through its whole life. Fewer manual steps, and the evidence is there when an auditor asks.
The same governance that controls human and business actions extends to software agents. An agent can initiate a financial action only inside policies, permissions, limits, and approval rules you define. Every instruction is logged, reviewable, and revocable.
Today, policy and automation are live for human- and business-initiated flows. Fully agent-initiated finance is in design with early partners. We mark it as roadmap rather than claiming autonomy we haven't shipped.
Funding, withdrawals, client wallets, multi-provider routing, and one reconciliation view, instead of fragmented rails and manual ops.
Brokers & trading platforms →Add programmable wallet and digital-asset capability through a controlled layer, without rebuilding your control and reporting infrastructure.
For EMIs & neobanks →Connect fiat rails, payouts, and compliance workflows, bridging on-chain activity to regulated off-chain flows.
For wallets & crypto →Coordinate accounts, payouts, approvals, and reconciliation across many participants and service providers.
Marketplaces & platforms →Give agents scoped access to financial actions (policy, limits, approvals, audit, revoke) without unrestricted authority over funds.
AI-agent platforms →OVAAL is the technology layer. Your license owns the regulated relationship. Authorised providers execute the regulated service. We make the split explicit before the first call.
| Activity | Customer (you) | OVAAL | Authorised provider |
|---|---|---|---|
| Regulatory permissions | Primary for your business model | Technology role unless expressly authorised | Primary for the outsourced regulated service |
| KYC / KYB policy | Policy owner | Workflow orchestration | Verification where contracted |
| Safeguarding / custody | Depends on model | No, unless expressly authorised | Primary where applicable |
| Routing configuration | Oversight and commercial choices | Rules engine | Execution eligibility |
| Settlement & reconciliation | Review and finance ops | Platform record and workflow | Source confirmations |
| Support & complaints | Primary | Technical escalation | Service-specific escalation |
A scoped path, not a guaranteed timeline. How fast you reach production depends on scope, your regulatory responsibilities, and provider onboarding.
By default. Liability stays partner-side, funds stay end-user-side
Policy-based routing across eligible providers and rails
One operational record and exportable audit logs
OVAAL is a neutral control plane for programmable financial products. One modular layer runs accounts and wallets, money movement and routing, settlement, reconciliation, and the policies that govern every transaction. OVAAL is a technology and orchestration platform, not a bank, EMI, or CASP.
Brokers, EMIs, wallets, marketplaces, and AI-native platforms build on it under their own license.
Unless expressly stated, OVAAL is not a bank, payment institution, electronic-money institution, or crypto-asset service provider. Regulated services are provided by appropriately authorised customers and third-party providers.
Today, policy and automation are live for human- and business-initiated flows. Fully agent-initiated finance is in design with early partners. We mark it as roadmap rather than claiming autonomy we haven't shipped.
Book an architecture review and we'll walk through control-plane fit, the responsibility split, and a realistic integration path. Prefer to read first? The integration brief is a one-page PDF covering modules, the responsibility model, and indicative commercials.