Reserve Trust is regulated by the Colorado Division of Banking and authorized to exercise the powers of a national bank under US Federal Law. Client escrow deposits are received, maintained, and backed with the full faith and credit of the United States. MITB is the technology platform; Reserve Trust is the regulated banking counterpart.
MITB is a FinTech Infrastructure Platform that enables global Financial Institutions, FinTechs, and Corporations to execute seamless payments and banking services for themselves and their clients. MITB acts as a middleware, payments, technology, and card provider — partnering with banks as a business development partner for licensed financial institutions and corporate partners worldwide.
The platform is structured around two purpose-built interfaces. The User Portal — available on web and native mobile app — is designed for corporate clients: clean, guided, and intuitive. Clients initiate wires, manage multi-currency accounts, issue cards, and track status in real time. The Admin Portal is the operations and compliance command center: document review through SanctionScanner, mandatory approval workflows, MT103 and MT940 SWIFT file generation, and portfolio-level dashboards. Both portals share live state and are secured by two independent layers of two-factor authentication.
Wire transfers are executed through multiple integrated rails — PrimeTrust and Fincra for wire processing, with Reserve Trust as the core banking partner. Platform services span US$ Direct Accounts (funds held at the Fed), Euro/GBP SEPA IBANs, Bulk Payments, and Rich APIs for full third-party integration.
The platform supports full multi-domain white-labelling — the same MITB infrastructure powers Savvy and Bancr under their own brand domains with independent registration, branding, and configuration.
MITB delivers a full suite of corporate banking services — not just wire transfers. Named US$ accounts backed by the Fed, Euro/GBP IBANs, bulk payments, and rich APIs for deep integration.
A clean sidebar-driven web interface and a native mobile app give clients full access to the platform — from initiating a wire to managing payees and uploading KYC documents — on any device, without complexity.
MITB maintains a full payee directory — separate schemas for domestic and international — with validated bank details, intermediary bank support, auto-template creation, and RBAC-controlled access. Every field is validated at entry time so wire submissions are never rejected for bad routing or SWIFT data.
Every wire request — domestic, international, or ACH — requires backup documentation before admin review can begin. Invoices, contracts, and source-of-funds evidence are attached at submission time. Wires missing adequate documentation are returned to the client with written Return Notes. This is the platform's primary control against illicit fund flows.
Clients inform MITB of expected incoming wires before the funds arrive. Admin verifies the notification, UBO declarations, and backup documentation before crediting the account. No incoming wire bypasses review.
KYC documents are linked to specific individuals within a company. Every document is tagged by type, issuing country, and contact — producing an auditable KYC package per person that satisfies rigorous regulatory examination.
| Select | KYC Document Type | KYC Document Country | Document Name | Document Type |
|---|---|---|---|---|
| No Documents Uploaded 0 Documents | ||||
The Admin Portal is where your operations team reviews documents, approves transfers, generates MT103 files, and manages the entire client portfolio. Every action is logged, timestamped, and attributed.
Every international wire carries a Risk Score for both the recipient entity and the recipient bank — calculated by SanctionScanner and displayed inline. OFAC screening result (Yes/No) is shown per entity. Commission Fee is tracked at transaction level. SWIFT code, full bank address, IBAN, and an Intermediary Bank section are captured for every international wire.
Admins mark Documents OK (all backup documentation verified) and Scan OK (SanctionScanner clearance confirmed) independently — both must be marked before a transaction can be finalized. IMAD/OMAD numbers from the Federal Reserve wire system are captured and stored against each transaction record.
Admin sees the full multi-currency custodial account per client — CAD, USD, GBP, EUR balances tracked in real time via PrimeTrust. Pending or flagged transactions are highlighted (yellow row) for immediate admin attention. This is the Bancr white-label deployment running on shared MITB/PrimeTrust infrastructure.
Admin drills into any company and sees a complete tabbed account view. Transactions tab: full running balance ledger (Debit, Credit, Balance per row), wire type icons (🇺🇸 domestic, 🌐 international), status icons per transaction, Submitted By attribution, filter by date/status/search/bank-fee. Negative balances shown in red. Add Transaction allows admin to manually post adjustments. Download exports the filtered ledger. Other tabs: Business Information, Company Profile Information, Documents, Accounts, Pricing, Users — all in one account view.
Admin sees live aggregate balances across the entire client portfolio — Total, Available, and Pending — in the header bar. Each company row shows contact, agent assignment, and real-time Total vs Available balance. Exportable as Summary or Detail report. Filter by agent or show deactivated accounts.
Each company account can have multiple Agents — named sub-accounts each with individual credentials, their own account number, and live balance. Agents are approved by admin and operate under The Reserve Trust Company banking relationship.
A company opens a master account on the platform. Once approved, the company can add multiple Agent sub-accounts beneath it. Each Agent receives their own dedicated account number and balance — but they operate entirely under the umbrella of the parent company. The parent company assumes full legal and compliance responsibility for every agent and every transaction those agents initiate.
RT Pending shows all Reserve Trust incoming wires awaiting admin action — with live badge count (8 pending). Admin sees Originator, Receiver, Wire Number, Amount, and User Comments. Archived records toggle for historical review.
| Opening balance on | 01/01/2026 | $500,000.00 | |
| Deposits | + | $520,000.00 | |
| Withdrawals | - | $250,000.00 | |
| Service Fees | - | $26,000.00 | |
| Closing balance on | 01/31/2026 | $744,000.00 |
| Date | Description | Debit (-) | Credit (+) | Balance ($) |
|---|---|---|---|---|
| 01/08/2026 | $20,000.00 | $0.00 | ||
| 01/08/2026 | $50,000.00 | $0.00 |
Account statements are generated as PDF (Aspose.PDF) — structured with an Account Summary box (Opening Balance, Deposits, Withdrawals, Service Fees, Closing Balance) and a full Transaction Details ledger (Date, Description, Debit, Credit, Running Balance). Generated automatically monthly and available on demand for clients and admins.
Every transfer on the MITB platform has a fee calculated automatically at execution time. Fees are not flat — they are configurable at multiple hierarchy levels, giving operators precise control over pricing per client, product, or tier.
Every user on the MITB platform operates within a defined role. Roles are created by administrators with a custom name, description, and a precise permission set assembled from dozens of individual checkboxes — grouped by functional category. Critically, each role is scoped to either the Customer Portal or the Admin Portal — preventing any cross-portal privilege bleed.
Roles are created with a Role Name and Description — for example, Admin Onboarding Agent: Agent who will verify onboarding documents. Each role is scoped exclusively to either the Customer Portal or the Admin Portal, eliminating any cross-portal privilege bleed. Permissions are assembled from a catalogue of 192 individual checkboxes across 12 functional categories — Account, Admin User, Bank Account, Company, MT103/Settlement, RT Pending, Transactions, Reporting, Entities, Lookups, and more. A Select All option enables rapid full-access role creation; surgical checkbox assignment supports the narrowest possible privilege scope. Roles are assigned to admin users via Assign Admin Role and to company users via Assign User Role, with full Create / Update / Delete lifecycle managed under dedicated permissions.
[HasPermission(Permission.X)] C# attribute — request rejected with 403 if claim absent; OR logic for multi-permission gates*hasPermission="'ADD_ROLE'" Angular structural directive — DOM element removed entirely if permission absent (not just disabled)permissions[] array — NavigationService strips menu items the user has no permission to see before they renderAUTHORIZATION_GET_DEPENDENT_PERMISSION ensures dependent permissions are co-assigned correctlyhasPermission(['P1','P2']) — OR logic; either permission grants accessfxFlex="50" fxFlex.sm="100" — columns stack to full-width on mobile; fxLayout.gt-xs="row" — row layout on tablet and abovecol-md-*, col-sm-*) used in User Portal and Savvy white-label for wire forms and listsaria-label on all buttons and interactive elements, aria-hidden="true" on decorative icons, aria-expanded / aria-controls on expandable panelsrole="alert" on all Bootstrap validation messages and error states; role="dialog" on all modal overlays; role="main" on primary content regionsalt text on user avatars and contact images — e.g. alt="{{contact.name}}"; decorative logo images use alt="" intentionallyBeyond KYC and sanctions screening, MITB enforces configurable per-account transaction limits, detects duplicate submissions, and presents locked exchange rates before international wire confirmation — giving both operators and regulators full confidence in every transfer that leaves the platform.
Every transfer moves through a fixed sequence. No step can be skipped. Every transition is logged with actor, timestamp, and reason.
Clients work through a structured multi-step application. No wire access is enabled until the onboarding is fully reviewed and approved by the admin team — a hard system control, not a policy document.
MITB maintains a comprehensive, tamper-evident audit trail across the entire platform. Every action taken by any user — client or admin — is logged with who did it, what changed, and when. This is not optional logging; it is built into every workflow.
Every login to the User Portal and Admin Portal requires two-factor authentication. Two independent methods are available — users choose, and both are enforced.
MITB broadcasts transaction notifications to the submitting user, the admin team, and every person associated with the account — simultaneously, across two channels. Nothing happens silently, and nothing goes unrecorded.
MITB connects to multiple wire transfer execution networks, giving operators redundancy and flexibility across payment rails. Partner platforms are natively integrated, and the entire stack is deployable under any brand domain.
MITB provides a native mobile application for corporate clients on the user side, giving them access to wire initiation, transfer tracking, and account management from any device — without losing any of the web portal's core functionality.
Every layer is chosen for reliability, compliance, and scale — TypeScript throughout the frontend, C# on the backend, and proven third-party partners for banking, compliance, and communications.
| User & Admin Portals | Next.js 15 · TypeScript 5 · Tailwind CSS · shadcn/ui · TanStack Query · React Hook Form + Zod |
| Mobile App | React Native · Expo SDK · Expo Router · EAS Build & OTA updates |
| Backend API | ASP.NET Core 9 · C# · Swagger / OpenAPI · NSwag (auto-generated TypeScript client) |
| Background Services | .NET 9 Worker Services — email parser · statement generator · reconciliation · notifications |
| Messaging | MassTransit · Azure Service Bus — event-driven pub/sub across services |
| Database | Microsoft SQL Server · Entity Framework Core 9 · Redis (cache & real-time balance updates) |
| Auth / Identity | ASP.NET Core Identity · Duende IdentityServer · TOTP (Google Authenticator) · SMS OTP (Twilio) |
| PDF & Statements | QuestPDF — monthly account statements, on-demand summaries, MT940 export |
| Banking Partner | Reserve Trust — Colorado chartered trust company, federally authorized, escrow-backed |
| Compliance / KYC | SanctionScanner — sanctions screening, PEP checks, adverse media, risk score per transaction |
| Wire Rails | PrimeTrust (multi-currency custodial) · Fincra (international corridors) |
| SWIFT | MT103 payment instructions · MT940 bank statements |
| SendGrid — transactional notifications, full delivery history per account | |
| SMS | Twilio — OTP, transfer alerts, global reach |
| Bank Connectivity | Plaid — bank account verification and data connectivity |
| Infrastructure | Azure AKS · Turborepo monorepo · Application Insights · OpenTelemetry |
Client funds held by a federally authorized trust company. FDIC-equivalent escrow protection — not an unregulated fintech.
Not an internal checklist — a dedicated third-party compliance service screening every document, transfer, and KYC application against global sanctions lists and PEP databases.
MT103 drives payment instructions to correspondent banks. MT940 delivers bank statement format for reconciliation. Both generated from verified data with no manual re-entry.
Fees auto-calculated at operator, company, and account level. Clients see the fee before submitting. Every fee is recorded against the transaction for audit.
PDF and MT940 statements generated automatically for every account holder each month — no manual production, available on demand for the full account lifetime.
A dedicated service parses transaction notification emails from the bank automatically, reconciling confirmations against internal records without anyone reading an inbox.
Documents linked to specific individuals — each beneficial owner, compliance officer, and controller has their own auditable KYC package.
Onboarding gates, SanctionScanner clearance, approval queues, and SWIFT file generation are all system-enforced. No step can be bypassed.
Two independent wire transfer execution networks. If one rail has issues, the other routes the payment. Coverage across mainstream and emerging market corridors.
The full user portal — wire initiation, transfer tracking, document upload, 2FA, account management — available as a native mobile app. Clients are not tied to a desktop browser.
Deploy the entire MITB stack under any brand — domain, logo, colours, email identity. Savvy and Bancr already run this way. One codebase, fully tenant-isolated, infinitely extensible.
Named US Dollar accounts with funds held directly at the Federal Reserve via Reserve Trust. Not a fintech wallet — real bank accounts with Fed-level backing.
Named Euro and GBP IBANs via financial institution partners — covering European payment corridors alongside USD rails. One platform, multiple currency accounts.
High-volume batch payments managed natively — each payment in a batch passes through the same compliance and audit controls. Full API surface for deep integration by partners and operators.
Schedule a live walkthrough of both portals — from client onboarding and wire initiation through admin document review, approval, and MT103 generation.