URL: /baas/corex/features

---
title: "COREX Capabilities"
description: "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>