Question 1

How does Aerapass ensure security and compliance?

Accepted Answer

Through ISO 27001-aligned controls, GDPR-compliant data handling, continuous monitoring, and embedded AML and risk frameworks.

Question 2

What makes Aerapass different from other fintech providers?

Accepted Answer

We provide private-label, enterprise-grade infrastructure that keeps customer relationships and branding with you.

Question 3

What is Aerapass's track record?

Accepted Answer

120+ countries served, 100k+ end users onboarded, and $15B+ assets under administration.

Question 4

When was Aerapass founded and what is your vision?

Accepted Answer

Founded in 2005, Aerapass has evolved from early mobile banking infrastructure into a modern fintech platform. Our vision is to empower businesses to own their digital financial future.

Question 5

Who is behind Aerapass?

Accepted Answer

Aerapass is built by a global team of fintech, compliance, and technology professionals with decades of experience in regulated financial services.

Question 6

Who leads Aerapass?

Accepted Answer

Aerapass is led by an experienced executive team across technology, legal, finance, risk, and compliance.

Question 7

Are there minimum or maximum card volumes?

Accepted Answer

No fixed minimums or maximums are imposed by the platform.
Program scale depends on jurisdiction, compliance setup, and commercial agreement rather than technical limits.

Question 8

Are there minimum or maximum issuance sizes?

Accepted Answer

No. Aerapass does not impose artificial minimums or maximums.
Issuance size depends on product design, jurisdictional requirements, and distribution strategy rather than platform limitations.

Question 9

Are there minimum or maximum trade sizes?

Accepted Answer

No. Aerapass does not impose artificial minimum or maximum trade sizes.
Trades are routed to real-time or OTC execution based on asset type, size, and liquidity conditions to ensure optimal execution quality.

Question 10

Can I integrate Aerapass with my existing systems?

Accepted Answer

Yes. Aerapass offers a unified API that allows seamless integration with your existing systems, workflows, and third-party services.
Our modular design enables you to adopt only the products and capabilities you need, without restructuring your current infrastructure.
This flexibility makes it easy to scale, extend functionality, and reduce implementation time.

Question 11

Can this integrate with our existing systems?

Accepted Answer

Yes. Aerapass provides APIs and integration tooling to connect with portfolio management systems, core banking platforms, and compliance systems.

Question 12

Can we customize risk models and workflows?

Accepted Answer

Yes. You can configure risk scoring models, thresholds, rules, and workflows to match your internal policies and regulatory requirements.
This includes automated decisions, manual review steps, escalation paths, and approval logic.

Question 13

Can you customise payment page appearance?

Accepted Answer

Yes. Payment pages are fully customisable to match your brand.
You can configure colours, fonts, logos, layout elements, and language settings so checkout feels like a natural extension of your platform. Changes can be applied through the dashboard or API.

Question 14

Can you handle high volumes?

Accepted Answer

Yes. The platform is designed for businesses processing high transaction volumes, including thousands of cross-border payments per day.
Our infrastructure supports payment processors, marketplaces, financial institutions, and international businesses that require scalable, reliable transaction processing.

Question 15

Can you handle subscription payments?

Accepted Answer

Yes, Aerapass hosted payment pages fully support recurring billing for subscription-based businesses. When customers complete their initial payment, their payment methods are securely tokenized and stored in our PCI-compliant vault. You can charge customers automatically on their billing schedule without requiring them to re-enter payment details, and sensitive card data is never stored on your systems.
The subscription management system handles automatic retries for failed payments, expired cards, and billing cycles. You can set up subscriptions with various billing frequencies—monthly, quarterly, annually, or custom intervals. Plan changes, upgrades, downgrades, and cancellations can all be managed through our API, with prorated billing handled automatically. The system also supports trial periods, setup fees, and one-time add-ons.

Question 16

Can you integrate card issuing with existing platforms?

Accepted Answer

Yes. Aerapass provides REST APIs and webhooks for seamless integration with your existing systems.
You can embed card issuing into your current user experience without rebuilding your platform.

Question 17

Can you integrate with existing systems?

Accepted Answer

Yes. Aerapass provides API-based access to pricing, execution, balances, and trade reporting.
You can integrate Multi-Asset Exchange into your existing trading, treasury, or back-office workflows.

Question 18

Can you issue in multiple jurisdictions simultaneously?

Accepted Answer

Yes. You can issue securities once and distribute them to wealth management centres globally.
The platform supports jurisdiction-specific regulatory requirements while maintaining a unified issuance workflow, reducing the need for multiple parallel structures.

Question 19

Can you issue virtual cards instantly?

Accepted Answer

Yes. Virtual cards are generated instantly via API or dashboard.
Cardholders receive card number, expiry date, and CVV immediately, allowing cards to be used for online payments, subscriptions, and digital wallets without waiting for physical delivery.

Question 20

Can you still use SWIFT and SEPA?

Accepted Answer

Yes. Aerapass provides access to traditional banking rails including SWIFT, SEPA, ACH, and Faster Payments alongside local clearing networks and optional digital asset rails.
You can choose the best method for each transaction based on speed, cost, and recipient preferences.

Question 21

Can you support multiple currencies?

Accepted Answer

Yes. Hosted Payment Pages support multi-currency acceptance.
You can present customers with local currencies and settle funds according to your configured setup.

Question 22

Do you provide audit trails and reporting?

Accepted Answer

Yes. Every customer action, check, decision, and investigation is logged automatically.
Customer Management generates real-time audit trails and reporting that support regulatory examinations, internal audits, and ongoing compliance monitoring.

Question 23

Can you use this for private banking?

Accepted Answer

Yes. Aerapass is well suited for private banking and wealth management use cases.
Customer Management supports complex ownership structures, trusts, family offices, and high-net-worth individuals while automating onboarding, KYC, ongoing monitoring, and documentation. This allows your teams to focus on client relationships instead of manual compliance work.

Question 24

Do you support digital asset or stablecoin settlement?

Accepted Answer

Yes. Aerapass supports optional settlement using supported digital assets where appropriate.
Digital asset rails can be used for specific corridors or use cases that benefit from faster settlement and 24/7 availability, alongside traditional banking rails.

Question 25

Do you support custom 3DS and authentication pages?

Accepted Answer

Yes. You can fully customise 3DS challenge flows and authentication pages to match your brand and user experience.

Question 26

Do you support local payment rails?

Accepted Answer

Yes. In addition to global networks, Aerapass connects to local clearing systems in supported jurisdictions through our banking and payment partners.
This allows you to send and receive domestic-style transfers in local currencies, improving settlement speed and reducing reliance on correspondent banking.

Question 27

Do you support payment links?

Accepted Answer

Yes. You can generate secure payment links via dashboard or API and share them via email, SMS, or any channel.
Payment links support the same payment methods and branding options as embedded or redirect checkouts.

Question 28

Do you support sustainable finance?

Accepted Answer

Yes. The platform supports sustainability credentials and ESG data across traditional and tokenised assets.
You can provide transparent reporting for impact and sustainability-focused portfolios.

Question 29

Do you support real-time trading and OTC execution?

Accepted Answer

Yes. Depending on the asset type and market, securities can be distributed through real-time execution or OTC workflows.
Both models are supported within the same platform.

Question 30

Does Aerapass handle compliance across multiple markets?

Accepted Answer

Yes. Aerapass is built to align with FATF (Financial Action Task Force) standards and adapt to regional regulatory requirements across multiple markets.
Customer Management automatically adjusts AML screening, KYC checks, and monitoring logic based on jurisdiction, so you can expand into new regions without redesigning your customer or compliance workflows.

Question 31

Does it work for small financial institutions?

Accepted Answer

Yes. Aerapass is designed to scale from early-stage institutions to large, high-volume operations.
You get enterprise-grade customer and compliance capabilities from day one, without the enterprise-level complexity. As your institution grows, Customer Management scales with you, without migrations or rebuilding your customer infrastructure.

Question 32

Does this work for small businesses or startups?

Accepted Answer

Yes. The infrastructure scales from small pilots to large card programs.
You can start with a limited rollout and expand as volumes grow, without changing platforms.

Question 33

Does physical delivery work internationally?

Accepted Answer

Yes, physical delivery for currencies and precious metals is supported in selected markets.
Availability and timelines depend on the asset and destination. The platform coordinates settlement and delivery workflows.

Question 34

Does this work for smaller operations?

Accepted Answer

Yes. Smaller businesses can access the same execution infrastructure used by institutional clients.
You can start with real-time execution and use OTC as needed. Pricing and execution models scale with your activity.

Question 35

Does this work for smaller wealth managers?

Accepted Answer

Yes. Smaller firms can access institutional-grade infrastructure regardless of assets under management.
You can start with basic issuance and distribution capabilities and expand into advanced features like tokenisation and fractionalisation as your business grows.

Question 36

How do I get started with Aerapass?

Accepted Answer

Getting started with Aerapass is straightforward. First, contact our team to discuss your specific business needs and finance requirements. We’ll work with you to identify the best solution configuration for your business and provide a customised implementation plan. 
Our plug-and-play functionality and pre-configured solutions mean you can be up and running in hours rather than months. To begin the process, reach out to our team through our website to schedule an initial consultation and discover the optimal Aerapass solution for your business.
You can find more info on our Getting started page.

Question 37

How do multi-currency cards work?

Accepted Answer

Multi-currency cards can hold multiple currency balances within a single card account.
When a transaction occurs, the platform automatically uses the relevant currency balance. If no balance exists, conversion can be applied based on your configured FX setup.

Question 38

How do payment APIs work?

Accepted Answer

Aerapass provides banking-as-a-service APIs that connect your platform directly to global and local payment infrastructure.
The APIs automate payment initiation, multi-currency account management, FX conversion, and reconciliation. Comprehensive documentation and a sandbox environment are provided to support fast integration and testing.

Question 39

How do you control fraud?

Accepted Answer

Fraud controls operate in real time.
You can define spending limits, velocity rules, merchant category restrictions, and geographic controls. Transactions can be monitored live, and cards can be frozen or unfrozen instantly. 3DS authentication and additional verification steps can be applied based on your rules.

Question 40

How do you handle risk management?

Accepted Answer

Pre-trade risk controls prevent unauthorised trading. The platform provides real-time exposure monitoring across all currency positions.
You can set customisable limits per trader, currency pair, or trading desk. Automated alerts notify you immediately when limits are breached.

Question 41

How does Aerapass handle onboarding and compliance (KYC/AML)?

Accepted Answer

Aerapass includes built-in onboarding and compliance workflows that automate KYC, KYB, and AML checks.
Our system integrates with trusted identity and risk-assessment providers, enabling you to verify customers quickly while meeting regulatory standards.
You can customise these workflows to match your compliance requirements, reducing operational overhead and maintaining a seamless customer experience.

Question 42

How do you support Swiss wealth management?

Accepted Answer

The platform is designed to support Swiss private banks, family offices, and asset managers with multi-asset capabilities aligned to high regulatory standards.
It enables Swiss institutions to manage both traditional and modern asset classes efficiently while supporting complex wealth structures and cross-border distribution.

Question 43

How do you support offshore banking?

Accepted Answer

Aerapass is designed to operate across major offshore and international banking jurisdictions, including the Cayman Islands, British Virgin Islands, Switzerland, and others.
The platform includes built-in multi-jurisdiction compliance frameworks that adapt customer onboarding, AML, and KYC requirements based on where you operate. This allows you to serve clients across different regions without maintaining separate systems or manually adjusting workflows.

Question 44

How does Customer Management automate compliance?

Accepted Answer

Customer Management automates customer-related compliance workflows end-to-end. AML, CTF (Counter-Terrorism Financing), KYC, and monitoring processes run continuously in the background across onboarding and ongoing activity. Suspicious patterns are flagged in real time, and every check, decision, and investigation is recorded automatically.
This creates a complete audit trail that is always ready for internal reviews and regulators.

Question 45

How does Customer Management integrate with other Aerapass modules?

Accepted Answer

Customer Management is the foundation for the Aerapass platform.
Payments, Cards, Wallets, Treasury, and other modules rely on the same customer profiles, risk states, and compliance controls. This ensures consistent decisions and a single source of truth across all products.

Question 46

How does fractionalisation work?

Accepted Answer

Fractionalisation divides large assets into smaller ownership units, making high-value investments accessible to more investors.
The platform automatically manages ownership records, distributions, and investor communications throughout the asset lifecycle.

Question 47

How does PCI compliance work?

Accepted Answer

Sensitive card data is handled by embedded hosted components from underlying payment providers.
This means card details do not pass through or reside on your servers, significantly reducing your PCI scope. Your compliance obligations are simplified while maintaining industry-standard security practices.

Question 48

How does real-time transaction monitoring work?

Accepted Answer

Transactions are evaluated in real time against your risk rules, policies, and monitoring models. Each transaction is automatically scored for potential money laundering, sanctions exposure, and suspicious activity. If a risk threshold is breached, your team receives immediate alerts with full context so investigations can start before settlement completes.
The system continuously learns from investigation outcomes and can be tuned to reduce false positives over time.

Question 49

How does Aerapass provide deep liquidity?

Accepted Answer

Aerapass aggregates liquidity from multiple global providers across asset classes.
This provides access to institutional liquidity pools and enables efficient execution for both real-time and OTC trades.

Question 50

How fast does digital asset settlement complete?

Accepted Answer

When used, settlement typically completes within minutes and is available 24/7, including weekends and holidays.
You can track transaction status in real time through the Aerapass dashboard.

Question 51

How does this differ from building internally?

Accepted Answer

Building payment infrastructure internally typically requires months of development, ongoing security work, and multiple provider integrations.
With Aerapass Hosted Payment Pages, you get a ready-made checkout layer that connects to underlying payment partners, handles orchestration, and evolves over time—so your team can focus on your core product.

Question 52

How does this differ from legacy platforms?

Accepted Answer

Legacy platforms typically support traditional securities only. Adding digital or tokenised assets requires separate systems and complex integrations.
Aerapass supports all asset formats natively through one infrastructure, so you can manage traditional securities, digital certificates, and tokenised assets from a single platform without additional systems.

Question 53

How fast is execution?

Accepted Answer

Real-time trades execute in milliseconds with continuously updating prices.
OTC trades are quoted and confirmed directly with liquidity providers or trading desks and typically complete within minutes. You always see the final executable price before confirming the trade.

Question 54

How fast is implementation?

Accepted Answer

API-based integrations typically take 2–4 weeks and include initial setup, API connection, and basic testing.
More comprehensive banking-as-a-service deployments usually require 6–8 weeks and include extended testing and compliance verification before going live.

Question 55

How long does integration take?

Accepted Answer

Integration time depends on the integration method.

Redirect checkout flows can be live in days
Embedded checkout flows typically take 1–2 weeks including testing
Payment links require no integration

Question 56

How is custody handled?

Accepted Answer

Custody models vary by asset type and jurisdiction.
Aerapass integrates with regulated custodians and infrastructure providers to support both traditional custody and digital asset custody under compliant frameworks.

Question 57

How long does it take to launch a card program?

Accepted Answer

Typical launch timelines are 4–6 weeks, including compliance setup, program configuration, and testing.
This is significantly faster than traditional card issuing projects, which often take several months.

Question 58

How quickly can I deploy Aerapass solutions?

Accepted Answer

Aerapass is designed for rapid deployment. Most financial services can be launched in as little as 48 hours, thanks to our pre-configured, modular infrastructure.
Our unified API, ready-to-market components, and simplified onboarding workflows significantly reduce development time compared to traditional integrations.
This allows fintechs and financial institutions to launch compliant financial products without lengthy build cycles.

Question 59

Is Aerapass secure and compliant with regulations?

Accepted Answer

Yes. Aerapass follows strict information-security and regulatory standards, including ISO aligned security controls.
Our infrastructure uses advanced encryption, multi-layer access controls, continuous monitoring, and industry-standard data protection practices.
We support regulated institutions and maintain compliance across payments, FX, cards, and wealth services to ensure safe and reliable operations.

Question 60

Is Global Payments dependent on other Aerapass modules?

Accepted Answer

Yes. Global Payments uses Customer Management as the foundational layer for identity, profiles, and risk context.
This ensures consistent compliance, monitoring, and auditability across all transactions.

Question 61

Is Multi-Asset Exchange compliant?

Accepted Answer

All trades are processed within Aerapass's compliance framework, including AML/CTF screening and transaction monitoring.
For customer-level compliance controls, see the Customer Management module.

Question 62

Is this suitable for small businesses and startups?

Accepted Answer

Yes. You can start with a small volume and scale as your business grows.
The same infrastructure supports early-stage platforms through to high-volume payment programs.

Question 63

What about fraud prevention?

Accepted Answer

Payments are monitored in real time using rule-based and provider-level risk controls.
You can enable 3D Secure for card payments, configure basic risk rules, and receive alerts or webhooks for suspicious activity. Fraud tooling can be adjusted based on your risk tolerance and market.

Question 64

What about payment compliance and AML?

Accepted Answer

All payments are screened through automated AML/CTF and sanctions screening regardless of which payment rail is used.
Transactions are monitored in real time, and audit logs are generated automatically to provide a complete compliance trail. Customer-level compliance is handled through the Customer Management module.

Asset type	Supported instruments	Common conversion pairs	Typical availability
Fiat currencies	Major & regional currencies	EUR/USD, GBP/USD, EUR/GBP, local	Live pricing
Digital assets	Supported digital assets	Crypto-fiat, crypto-crypto	Near real-time / OTC
Precious metals	Gold, Silver	Metal-fiat	Market hours / OTC
Cross-asset	Fiat, digital assets, metals	Fiat-crypto, fiat-metal, crypto-metal	Live to near real-time / OTC

Customer Management

Global Payments

Multi-Asset Exchange

Wealth Management

Card Issaunce

Hosted Payment Pages

Platform > Module

Multi-Asset Exchange

The challenge

Slow execution costs you money

Meet Aerapass

Institutional multi-asset trading infrastructure

Built for professional trading and treasury teams, like yours

Trading desks & broker-dealers

Financial institutions & non-bank FI

Corporate treasuries

Currency specialists & FX firms

FX & asset conversion coverage

What you get

Enterprise-grade execution

Frequently Asked Questions

Common questions about Multi-Asset Exchange

Discover the Aerapass platform

Customer Management

Global Payments

Wealth Management

Card Issaunce

Hosted Payment Pages

Book a meeting

Schedule a Live Demo

Customer Management

Global Payments

Multi-Asset Exchange

Wealth Management

Card Issaunce

Hosted Payment Pages

Platform > Module

Multi-Asset Exchange

The challenge

Slow execution costs you money

Meet Aerapass

Institutional multi-asset trading infrastructure

Built for professional trading and treasury teams, like yours

Trading desks & broker-dealers

Financial institutions & non-bank FI

Corporate treasuries

Currency specialists & FX firms

FX & asset conversion coverage

What you get

Enterprise-grade execution

Frequently Asked Questions

Common questions about Multi-Asset Exchange

What is Multi-Asset Exchange in Aerapass?

What trading hours does the platform support?

How fast is execution?

What makes real-time pricing different?

What is OTC trading and when do you need it?

Are there minimum or maximum trade sizes?

What asset types are supported?

What currency pairs and instruments can you trade?

Does this work for smaller operations?

Can you integrate with existing systems?

How does Aerapass provide deep liquidity?

Does physical delivery work internationally?

Is Multi-Asset Exchange compliant?

Discover the Aerapass platform

Customer Management

Global Payments

Wealth Management

Card Issaunce

Hosted Payment Pages

Book a meeting

Schedule a Live Demo