One operational layer to move and control money.
Not isolated modules. Cifra unifies issuance, dispersion, treasury, authorization, reconciliation and audit in a single architecture. Every movement passes through the same rules.
Issuing engine
Visa + Mastercard · virtual + physical · individual + bulk · program profiles · full lifecycle.
Rules engine
MCC · MID · channel · geography · limits · velocity · hierarchy · budget. Sub-second execution on every authorization.
Authorization engine
Real-time decision against active rules. Before authorization, not after the receipt.
Mass dispersion
CSV · API · scheduled batches · per-recipient rule overlays · refunds and reversals.
Approval workflow
Multi-level · pre or post transaction · with inherited hierarchy.
Tokenization
Apple Pay · Google Pay · Samsung Pay via VTS and MDES.
Reporting + audit
Export to ERP, fiscal authority, comptroller, regulator.
Cardholder app
iOS + Android · bank-branded · freeze, unfreeze, PIN, statement, alerts.
Wired to the stack your operation already runs.
Visa · Mastercard
VTS · MDES · Apple Pay · Google Pay · Samsung Pay
Sumsub · ShuftiPro · VU Security · Truora · iDenfy · local providers per country
SAT (MX) · Receita Federal (BR) · DIAN (CO) · SUNAT (PE) · AFIP (AR)
SAP · Oracle · Microsoft Dynamics via API + webhooks
API + file integration for settlement, KYC handoff and settlement account reconciliation
Rules inherited from the organization down to the card.
Six governance levels with inheritance: Group · Department · Sub-group · Person · Account · Card. Any rule set at a higher level automatically applies down. Any exception is documented and recorded.