Infrastructure Layer
This layer operates as part of Okoora's embedded FX infrastructure inside your system. It maintains a multicurrency operational ledger across master accounts and subaccounts, updating balances in real time as FX transactions settle.
The FX Wallet provides the accounting foundation that powers settlement, payment workflows, and internal financial operations.
Trusted by banks, PSPs, and fintech innovators powering cross-border business.
Most business systems cannot manage multicurrency balances or maintain operational accounts. Without an embedded ledger layer, FX execution results, payment movements, and settlement events sit fragmented across external systems.
This leads to manual reconciliation, timing mismatches, operational inconsistencies, and significant financial complexity.
No FX risk goes unseen. Every exposure surfaced at quote, order, invoice, or payout.
Rules, not people. Policy-driven rates and hedge logic, instantly and without bias.
Real-time conversions, hedges, and payments embedded in banking flows.
Continuous settlement, unified ledgering, audit-ready reporting.
Every client FX flow captured as recurring revenue. No value left on the table.
Maintains real-time multicurrency balances across master and subaccounts.
Maintains real-time multicurrency balances across master and subaccounts.
Receives FX posting results from the Execution Engine.
Receives FX posting results from the Execution Engine.
Updates account states with automated debit/credit posting.
Updates account states with automated debit/credit posting.
Coordinates with the Payment Rail for downstream settlement.
Coordinates with the Payment Rail for downstream settlement.
Stores historical ledger movements for auditgrade visibility.
Stores historical ledger movements for auditgrade visibility.
Operates entirely inside the client’s workflows without manual intervention.
Operates entirely inside the client’s workflows without manual intervention.The FX Wallet provides a plugandplay account architecture designed for multicurrency operational workflows:
The primary operational account.
Automatically generated for individual users or businesses.
Supports structured financial flows inside the system.
Supports structured financial flows inside the system.
The Wallet functions as an enterprise-grade ledger layer:
Multicurrency balance management
Internal account transfers
Automated FX posting
Balance snapshots and history
Ledgerconsistent transaction recording
Downstream synchronization with settlement and payments
FX execution events are posted automatically into the Wallet, updating account balances and preparing funds for settlement.
The execution layer can support advanced FX structures when required by institutional workflows:
Supports FX-driven operational revenue by maintaining an accurate financial foundation.
Eliminates reconciliation mismatches and stabilizes financial operations.
Removes manual posting workflows and synchronizes balances in real time.
Multicurrency account structure inside banking workflows.
Real-time posting across payment streams.
Ledgerconsistent balance updates.
Automated flow alignment across bookings and settlements.
Balance orchestration across currency-linked loan workflows.
