OVAAL is a neutral control plane for programmable finance. It sits between your product and the authorised providers, banks, and rails that do the regulated work. Six modules cover accounts, money movement, settlement, policy, compliance, and the developer surface. Adopt the whole layer or the modules you need, through one integration and one contract.
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 should not be hard-wired to one provider, one wallet stack, one payment rail, or one compliance vendor. OVAAL sits in the middle. Your team owns the experience. Authorised providers and rails do the regulated work beneath each module.
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: one operational record across every provider.
Authorised providers, banks, payment rails, and digital-asset rails settle the actual money movement.
Each module is a control surface, not a black box. Providers and rails plug in beneath it, and the crypto rail that proves each one is shipping today.
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. Ramp aggregation is the proof rail.
Money Movement & Routing →Track an instruction from authorisation through execution, settlement, exception handling, reconciliation, and receipt, as one record your finance team can audit. Stablecoin settlement is the proof rail.
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 →By default: liability stays partner-side, funds stay end-user-side
MSA + DPA. No per-module licensing maze
Versioned. 12-month breaking-change notice
One auth pattern, one webhook signature scheme, one error taxonomy across all six modules. Your team learns one surface, not six. The crypto rail (AA wallets, ramp aggregation, stablecoin settlement) is the proof that the control plane is real today, not a slide.
Book an architecture review and we'll walk through which modules fit, the responsibility split, and a realistic integration path. The integration brief is a one-page PDF covering the modules, the responsibility model, and indicative commercials.