HVA BankX – Comprehensive digital banking solution
In the context of strong digital finance development, HVA Group introduces HVA BankX, a Banking-as-a-Service (BaaS) platform that helps businesses, fintechs and digital asset exchanges easily integrate financial services without building their own banking systems. HVA BankX provides payment solutions, digital accounts, card issuance and decentralized financial services (DeFi), helping businesses expand their operations quickly and cost-effectively.
HVA BankX Brand Positioning
Vision
HVA BankX aims to become the leading digital banking platform in Southeast Asia, supporting businesses to deploy financial services more quickly, flexibly and economically than the traditional model. By providing financial services under the BaaS model, HVA BankX helps businesses reduce technological barriers and operating costs, while maximizing opportunities from the digital economy.
Target customers
HVA BankX serves three main customer groups:
- Fintech companies and e-wallets need a robust digital banking solution to provide digital account services, online payments, and crypto-to-fiat on/off-ramp.
- Cryptocurrency Exchanges (CEX/DEX) has a need to integrate banking and financial services, issue payment cards and provide flexible conversion solutions between cryptocurrencies and fiat currencies.
- Big businesses want to deploy digital payment and account systems without building banking infrastructure from scratch.
What does HVA BankX offer?
API Banking-as-a-Service
HVA BankX provides an API system that helps businesses and fintechs easily deploy digital financial services. Key features include:
- Virtual IBAN and e-wallet supports domestic and international transactions through systems such as SWIFT, SEPA and ACH. This enables businesses to provide cross-border financial services without the need for a banking license.
- Bank connection and transfer service Supports domestic and international transactions, helping businesses easily handle financial transactions without having to work directly with traditional banks.
- Payroll Solutions allows businesses to make payroll payments in both fiat and cryptocurrencies, helping to optimize financial processes and save operating costs.
Digital Payment Gateway and On/Off-Ramp Service
HVA BankX provides a digital payment gateway that enables businesses to accept a variety of payment methods, including fiat, cryptocurrencies, and stablecoins. Key features include:
- Accept payments in cryptocurrencies, stablecoins and fiat currencies, helping businesses expand their reach to global customers without being limited by traditional payment systems.
- Integrate QR code payment and virtual POS, especially suitable for e-commerce and digital service platforms, helping users easily pay with just one simple operation.
- On/Off-Ramp Service for Converting Cryptocurrencies to Fiat Currencies, allowing businesses and users to quickly withdraw money from digital wallets to bank accounts.
Card Issuance and Digital Banking Services (Neobank Solutions)
HVA BankX provides virtual card and debit card issuance solutions for individuals and businesses, helping to expand payment and transaction capabilities.
- Visa/Mastercard virtual card helps users to pay online conveniently without having to own a physical card.
- Debit Card Support direct withdrawal from fiat or cryptocurrency accounts, making it easy for users to access digital finance in everyday life.
- Cashback and Loyalty Program Help businesses attract and retain customers with cashback and reward point promotions.
Decentralized Finance (DeFi Banking)
HVA BankX integrates decentralized financial solutions (DeFi), expanding access to capital and investment opportunities for businesses and individuals.
- Lending & Borrowing Services allows users to borrow and mortgage digital assets directly on the HVA BankX platform, providing a more flexible and efficient financial solution than traditional banks.
- Stablecoin Settlement helps businesses make cross-border payments using stablecoins, reducing currency conversion costs and speeding up international transactions.
- DeFi Yield Farming & Staking helps users increase profits from digital assets through decentralized financial models.
HVA BankX and its development potential in Vietnam
In Vietnam, the demand for digital banking and fintech services is increasing rapidly. With the development of e-commerce, cryptocurrency and digital financial services, HVA BankX provides a comprehensive solution to help businesses take advantage of this opportunity without having to invest heavily in banking infrastructure.
Vietnam's policies supporting innovation in the financial sector are also paving the way for BaaS platforms like HVA BankX to develop, helping businesses quickly access digital financial services without facing legal and technological barriers.
Conclude
HVA BankX is not just a conventional digital banking platform but also a complete financial ecosystem, helping businesses, fintechs and cryptocurrency exchanges expand their operations flexibly and effectively. With the vision and strategy from HVA Group, HVA BankX will become one of the leading BaaS platforms in the region, contributing to shaping the future of the digital finance industry in Vietnam and Southeast Asia.
