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Real-time Banking

Architecting a real-time FX negotiation platform for a commercial bank

A secure B2B currency trading platform that replaced phone-based negotiation with live pricing, controlled dealer overrides, and binding digital confirmations.

Zepter Bank online currency exchange platform shown on a laptop
4 monthsconcept to production
8 yearsmission-critical operation
99.95%service-level availability
500+corporate clients

THE OPERATING CHALLENGE

More than a customer interface

Phone-based FX negotiation exposed the bank to market movement during every high-value deal.

Manual approvals limited simultaneous transactions and required continuous dealer attention.

Financial audit and best-execution evidence were difficult to produce from analog conversations.

THE CONFIGURED SOLUTION

One foundation, composed for this product

EMK replaced the manual process with a self-hosted negotiation ecosystem spanning the corporate client portal, dealer back office, pricing logic, and legally binding confirmations.

01

Live market data

Real-time synchronization streams current rates to corporate clients during negotiation.

02

Hybrid pricing

Automated proposals combine with controlled dealer overrides for high-value relationships.

03

Client portal

Corporate teams negotiate and confirm transactions through a secure digital channel.

04

Dealer back office

Bank teams supervise pricing, approvals, exceptions, and client communication.

05

Digital confirmation

Audit logging and e-signatures create traceable, legally binding deal records.

06

On-premise control

The platform runs inside the bank environment to meet security and data requirements.

OPERATING EVIDENCE

What the product demonstrates

The platform moved from concept to production in four months.

It has supported mission-critical FX operations for eight consecutive years.

More than 500 corporate clients can execute high-value transactions with full traceability.

NEXT CASE STUDY

Loanch

€100.2M invested · 15.6K investors

View case

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