Move the goods.
Get paid. Prove it.
Finigenie is the orchestration layer that runs your cross-border collections, FX, compliance and financing as one flow — so every invoice you raise becomes a trust asset for the next deal. The licensed, regulated leg stays with our partners. You just trade.
No new bank. No rip-and-replace. Connect your invoices and trade in days.
The world built infrastructure for payments. Not for trust.
The shipment moves, the invoice is raised, the payment is promised — and then everyone starts protecting themselves. The government, the bank, the insurer, the lender. The SME in the middle carries the risk. That cost has a number.
of SME trade-finance requests are rejected — versus about 7% for large firms.
ADB 2025 · WTO
is the real default rate on short-term trade credit. The risk is mispriced — not real.
ICC Trade Register
is the global trade-finance gap SMEs fall into every year, and it keeps growing.
ADB Trade Finance Gap Survey 2025
Everything between “invoice raised” and “money reconciled” — in one place.
You keep your bank and your buyers. Finigenie sits on top and runs the parts that usually leak time and margin.
Collections & payouts
Collect from overseas buyers and pay overseas suppliers across corridors — orchestrated to the right rail for each route.
FX & routing
See the true landed cost before you commit, and route each transaction so less margin disappears into spreads and intermediary fees.
Compliance & reporting
Purpose codes, documentation and EDPMS/IDPMS reconciliation prepared alongside the payment — not chased weeks later.
What you can fix in week one.
No six-month integration. These are the gains importers and exporters see almost immediately on a live corridor.
Getting paid, faster and fuller
Collect in the buyer's currency, receive in INR
Your buyer pays the way they always do; the regulated leg converts and settles to you.
Live on day oneStop the margin leaking into FX and fees
Routing and transparent rates recover what correspondent-banking spreads quietly take on every payment.
Typically 3–6% recoveredEvery receipt matched to its invoice
Auto-reconciliation, EDPMS-ready for closure — no spreadsheet hunts at month-end.
Zero manual matchingTurn paid invoices into a trust record
A clean payment-behaviour history makes your next receivable easier — and cheaper — to finance.
Financeable receivablesPaying suppliers, with control
Pay every supplier from one dashboard
Multiple corridors, currencies and beneficiaries — one place to initiate, approve and track.
One control panelKnow your landed FX cost before you commit
No surprises at settlement. Lock visibility on the real rate at the point of decision.
FX clarity upfrontFund supplier payments on your card (BPSP)
Pay suppliers now, settle on your card billing cycle — working capital without a new loan.
~30–45 days extra floatImport docs and purpose codes, prepared
IDPMS-ready records generated with the payment, so reconciliation and closure stay clean.
IDPMS-readyFour steps along one corridor.
You stay in control of your money and your relationships. Finigenie orchestrates; regulated partners settle.
Connect
Plug in your invoices or ERP. No new bank account, no migration.
Orchestrate
Finigenie routes each transaction across the right rails, partners and compliance checks.
Settle
Your regulated partner holds, converts and settles the funds under their licence.
Reconcile
Every payment is matched, reported, and added to your trust record for the next deal.
Connect
Plug in your invoices or ERP. No new bank account, no migration.
Orchestrate
Finigenie routes each transaction across the right rails, partners and compliance checks.
Settle
Your regulated partner holds, converts and settles the funds under their licence.
Reconcile
Every payment is matched, reported, and added to your trust record for the next deal.
We don’t hold your money. That’s the point.
Finigenie is a technology and orchestration company, operated by Ragilly Fintech IT Solutions LLC (Dubai). We connect the rails — we never sit on the regulated leg.
Holding funds, currency conversion and settlement are performed by our regulated partner network, licensed across the UK, EU, ADGM and VARA. You get one orchestration layer; the money stays with regulated institutions.
Licences held by our regulated partner network:
Licences held by Finigenie’s regulated partners. Finigenie provides technology and orchestration only.
See what trust is costing you on one lane.
Send us a single India–UAE route you trade. We’ll send back a one-page Corridor Analysis: where your FX is leaking, where payments stall, and what you could be financing.
Payments are a commodity. Trust is infrastructure.
Got Questions?
Everything you need to know about Finigenie. Can't find the answer? Talk to our team.
No. Finigenie is a technology and orchestration layer. Regulated activity — holding funds, currency conversion and settlement — is carried out by our regulated partners, who are licensed across the UK (FCA), EU (Bank of Lithuania), ADGM and VARA.
No. You keep your existing bank and buyer relationships. Finigenie connects to your invoices and orchestrates on top of what you already use.
India–UAE is our core lane, with additional GCC and cross-border corridors supported through our partner network. Tell us your route and we'll confirm coverage in your Corridor Analysis.
Days, not months. There's no migration — you connect your invoice flow and begin on a live corridor.
A free, one-page breakdown of a single trade lane you run: estimated FX leakage, typical payment-delay risk, compliance touchpoints, and where receivables could be financed. No integration required to receive it.
Still have questions?