> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# COREX Capabilities

> Standard capability configurations available in the COREX Platform

# COREX Platform Capabilities

The COREX Platform offers a comprehensive set of capabilities that can be configured based on client requirements and subscription tier. Each capability is identified by a standard code (SCTxx) and can be enabled or configured to different levels depending on client needs.

## Capability Categories

<CardGroup cols={2}>
  <Card title="Core Capabilities" icon="cube" href="/baas/corex/features/sct01-b2c-channel">
    SCT01-03: Distribution channels and country operations
  </Card>

  <Card title="Payment Capabilities" icon="credit-card" href="/baas/corex/features/sct04-instant-payment">
    SCT04, 08-10: Payments, cards, FX, closed-loop
  </Card>

  <Card title="Management Capabilities" icon="chart-line" href="/baas/corex/features/sct05-subscription-management">
    SCT05-06, 11: Subscriptions, analytics, compliance
  </Card>

  <Card title="Advanced Capabilities" icon="rocket" href="/baas/corex/features/sct07-omni-channel">
    SCT07, 12-13: Omni-channel, networks, assets
  </Card>
</CardGroup>

## Core Capabilities

### SCT01 - B2C Distribution Channel

The B2C Distribution Channel provides interfaces for individual customers to access financial services.

**Features:**

* Customer registration and onboarding
* Account management and overview
* Transaction history and statements
* Payment initiation and management
* Customer support access
* Personal settings and preferences

**Platform Options:**

* Web Interface: Browser-based responsive application
* Mobile - Android: Native Android application
* Mobile - iOS: Native iOS application

**Configuration Options:**

| Level    | Description                                                                                |
| -------- | ------------------------------------------------------------------------------------------ |
| Basic    | Single platform (Web OR Mobile) with essential features                                    |
| Standard | Two platforms (Web + one mobile platform) with full feature set                            |
| Advanced | All platforms (Web + Android + iOS) with biometric authentication and offline capabilities |

### SCT02 - B2B Distribution Channel

The B2B Distribution Channel provides interfaces for business customers with multi-user access and role-based permissions.

**Features:**

* Business entity registration and verification
* Multi-user access with role-based permissions
* Bulk payment processing
* Business account management
* Reporting and analytics
* Integration with accounting systems

**Platform Options:**

* Web Interface: Browser-based responsive application
* Mobile - Android: Native Android application
* Mobile - iOS: Native iOS application

**Configuration Options:**

| Level    | Description                                                                           |
| -------- | ------------------------------------------------------------------------------------- |
| Basic    | Web-only interface with essential business account management                         |
| Standard | Web + one mobile platform with full business features and multi-user support          |
| Advanced | All platforms (Web + Android + iOS) with accounting integrations and custom workflows |

### SCT03 - Country of Operation

A foundational core capability that defines where a tenant can operate and is used by all other capabilities.

**Features:**

* Allowed country lists - Countries where operations are permitted
* Denied country lists - Countries where operations are restricted
* Localized interfaces and content
* Country-specific compliance features
* Regional payment methods and banking connections
* Local currency support
* Country-specific reporting requirements

**Per-Capability Configuration:**

* Each capability (SCT01-SCT13) can have its own country configuration
* Tenants can enable specific capabilities in specific countries
* Different compliance requirements can be applied per country
* Capabilities can be gradually rolled out to new countries

**Configuration Options:**

| Level    | Description                                                              |
| -------- | ------------------------------------------------------------------------ |
| Single   | Limited to one country with full compliance                              |
| Regional | Multiple countries in a region (e.g., EU, APAC) with regional compliance |
| Global   | Worldwide operation with country-specific compliance for each market     |

## Payment Capabilities

### SCT04 - Instant Payment

Real-time payment processing capabilities for immediate fund transfers.

**Features:**

* Real-time transaction processing
* Instant payment notifications
* 24/7 availability
* Transaction status tracking
* Fallback mechanisms for failed transactions

**Configuration Options:**

| Level    | Description                                    |
| -------- | ---------------------------------------------- |
| Basic    | Standard processing times                      |
| Standard | Same-day processing                            |
| Advanced | Real-time processing with instant confirmation |

### SCT08 - Usage of External Bank Cards

Integration with external card networks for payment processing.

**Features:**

* Card registration and management
* Card transaction processing
* 3D Secure authentication
* Recurring payment setup
* Card tokenization for security

**Configuration Options:**

| Level    | Description                                           |
| -------- | ----------------------------------------------------- |
| Basic    | Limited card types and transaction volumes            |
| Standard | Full card support with standard security              |
| Advanced | Enhanced security features and specialized card types |

### SCT09 - Multi-Currency Financial Operation

Support for operations across multiple currencies with exchange capabilities.

**Features:**

* Multi-currency accounts
* Foreign exchange services
* International payment processing
* Currency conversion reporting
* Exchange rate management

**Configuration Options:**

| Level    | Description                                        |
| -------- | -------------------------------------------------- |
| Basic    | Limited currency support (major currencies only)   |
| Standard | Extended currency support                          |
| Advanced | Complete global currency support with real-time FX |

### SCT10 - Closed-loop Operation

Self-contained financial ecosystem for specific use cases.

**Features:**

* Internal wallet system
* Closed network transactions
* Custom payment instruments
* Specialized loyalty integration
* Controlled ecosystem management

**Configuration Options:**

| Level    | Description                                       |
| -------- | ------------------------------------------------- |
| Basic    | Simple closed-loop transactions                   |
| Standard | Full closed-loop ecosystem                        |
| Advanced | Hybrid closed/open loop with external connections |

## Management Capabilities

### SCT05 - Subscription Business Performance Management

Tools for managing subscription-based business models and recurring revenue.

**Features:**

* Subscription plan management
* Recurring billing automation
* Subscription analytics and reporting
* Customer lifecycle management
* Churn prediction and prevention

**Configuration Options:**

| Level    | Description                          |
| -------- | ------------------------------------ |
| Basic    | Essential subscription management    |
| Standard | Full subscription business tools     |
| Advanced | AI-powered subscription optimization |

### SCT06 - Decision Support System

Analytics and intelligence tools to support business decision-making.

**Features:**

* Business intelligence dashboards
* Data visualization tools
* Predictive analytics
* Custom reporting
* Decision recommendation engine

**Configuration Options:**

| Level    | Description                                 |
| -------- | ------------------------------------------- |
| Basic    | Standard reports and basic analytics        |
| Standard | Interactive dashboards and custom reporting |
| Advanced | AI-powered predictions and recommendations  |

### SCT11 - Compliance Management

Tools and features to ensure regulatory compliance across operations.

**Features:**

* KYC/AML verification workflows
* Regulatory reporting
* Transaction monitoring
* Audit trail and logging
* Compliance documentation management

**Configuration Options:**

| Level    | Description                                  |
| -------- | -------------------------------------------- |
| Basic    | Essential compliance features                |
| Standard | Comprehensive compliance management          |
| Advanced | Automated compliance with regulatory updates |

## Advanced Capabilities

### SCT07 - Omni Channel

Seamless experience across multiple customer touchpoints and channels.

**Features:**

* Consistent user experience across channels
* Cross-channel transaction continuity
* Unified customer data view
* Channel-specific optimizations
* Centralized channel management

**Configuration Options:**

| Level    | Description                     |
| -------- | ------------------------------- |
| Basic    | Limited channel integration     |
| Standard | Core channel integration        |
| Advanced | Complete omnichannel experience |

### SCT12 - Financial Network Access

Connectivity to financial networks and banking systems.

**Features:**

* Banking network integration
* Payment scheme access
* Correspondent banking relationships
* Network status monitoring
* Fallback routing mechanisms

**Configuration Options:**

| Level    | Description                           |
| -------- | ------------------------------------- |
| Basic    | Limited network access                |
| Standard | Regional network access               |
| Advanced | Global network access with redundancy |

### SCT13 - Financial Asset Management

Tools for managing various financial assets and investments.

**Features:**

* Asset portfolio management
* Investment tracking and reporting
* Risk assessment tools
* Performance analytics
* Asset allocation optimization

**Configuration Options:**

| Level    | Description                                   |
| -------- | --------------------------------------------- |
| Basic    | Simple asset tracking                         |
| Standard | Comprehensive asset management                |
| Advanced | Sophisticated investment tools and strategies |

## Capability Configuration by Subscription Tier

Each subscription tier includes a specific configuration of these capabilities:

| Tier             | Included Capabilities                                                           |
| ---------------- | ------------------------------------------------------------------------------- |
| **Starter**      | SCT01 (Basic), SCT03 (Single), SCT04 (Basic), SCT11 (Basic)                     |
| **Professional** | SCT01-02 (Standard), SCT03-04 (Standard), SCT08-09 (Standard), SCT11 (Standard) |
| **Enterprise**   | All capabilities at Advanced level                                              |
| **Custom**       | Tailored configuration based on requirements                                    |

Contact your account manager for detailed information on subscription tiers and availability.

## Next Steps

<CardGroup cols={2}>
  <Card title="B2C Distribution Channel" icon="user" href="/baas/corex/features/sct01-b2c-channel">
    SCT01 - Individual customer interfaces
  </Card>

  <Card title="B2B Distribution Channel" icon="building" href="/baas/corex/features/sct02-b2b-channel">
    SCT02 - Business customer interfaces
  </Card>
</CardGroup>