Fusion Codes builds BC banking software, AEPS integrations, micro ATM systems and CSP platforms for agent networks that process real transactions, pass RBI audits and scale past a few hundred agents without breaking.
One platform for onboarding, transactions, commissions and compliance.
Fast digital onboarding with KYC verification and approval workflow.
Cash withdrawal, deposits and banking transactions from one platform.
Cash In / Cash Out
Fingerprint / Iris / RD Service
Routing & Validation
Settlement & Record
Most BC network operators do not start with a software problem. They start with a growth problem.
The cracks show up once agents, transactions and settlements outgrow spreadsheets and manual reconciliation.
CSP onboarding, biometric registration and document verification are still manual, so new agents take days instead of hours to go live.
Timeouts, duplicate debits and failed-but-debited transactions increase as volume grows, and reconciliation turns into a daily fire drill.
Agent commissions, TDS and bank settlements are still calculated in Excel, so payout disputes and errors increase every month.
Head office has no real-time visibility into which CSPs are active, which are inactive, and where fraud risk is building.
Sponsor banks and RBI audits ask for logs, KYC trails and transaction records the current system was never built to produce.
Adding a new bank integration, a new state or a new product takes months instead of weeks, and every change carries risk.
BC and agent banking platforms do not fail because the business model is wrong. They fail when the software cannot handle real agent networks, real transaction volumes and real regulatory scrutiny.
We design around how Business Correspondents, CSPs and sub-agents actually operate: cash-in cash-out flows, commission hierarchies and agent onboarding, not a generic banking template.
Transaction Growth
Hands-on experience integrating AEPS APIs, micro ATM devices and NPCI switch connectivity, so transactions process reliably even during peak load.
Peak Load
KYC checks, biometric authentication, audit trails and data security controls are built into the architecture, aligned with RBI guidelines for Business Correspondents and AEPS operations.
Fingerprint-based and iris-based authentication that works reliably with the RD services and devices agents actually use, including in low-connectivity areas.
From a handful of CSPs to a multi-state agent network, our BC agent management software scales with you: onboarding, hierarchy, commissions and monitoring included.
Product strategy, sponsor-bank API integration, compliance validation and post-launch scaling, so you get a working BC network, not just an app.
Whether you are launching a new agent network or scaling an existing one, our work is aligned with real transaction demand, regulatory requirements and agent behaviour.
CSP and agent onboarding systems, commission engines and monitoring dashboards for operators scaling from hundreds to thousands of agents.
Multi-bank BC platforms that connect to several sponsor banks and AEPS switches from a single agent-facing application.
AEPS API development and micro ATM software for providers offering cash withdrawal, balance enquiry and mini statement services through agent devices.
Agent-assisted digital wallet, remittance and account opening solutions that extend financial services into underserved and rural markets.
For teams entering the Business Correspondent model for the first time, we design and build the platform from the ground up.
Custom BC banking software development and financial inclusion software solutions, engineered to solve real agent network problems rather than ship a generic banking demo.
Complete BC platforms covering agent onboarding, transaction processing, commission management and reporting, the operational backbone of a BC business.
One system to run your entire BC network instead of spreadsheets, SMS updates and manual approvals.
CSP-facing applications for cash-in cash-out, account opening, bill payments and mini statements, designed for ease of use at the counter.
Faster service delivery at every CSP, with fewer training hours and fewer support calls.
AEPS APIs for balance enquiry, cash withdrawal, mini statement and Aadhaar Pay, connected to NPCI and your sponsor bank with proper reconciliation logic.
Reliable AEPS transactions with fewer failed-but-debited cases and faster dispute resolution.
Micro ATM applications compatible with standard card-swipe and biometric devices, supporting withdrawal, deposit and balance check transactions in the field.
Dependable cash-out services for agents, even in low-network areas.
Fingerprint-based and iris-based authentication using certified RD services, aligned with UIDAI and AEPS authentication standards.
Secure, Aadhaar-based customer verification that holds up to audit scrutiny.
Dashboards and back-office tools for agent hierarchies, territory mapping, performance tracking and agent lifecycle from onboarding to deactivation.
Full visibility into which agents are active, underperforming or at risk, before it becomes a problem.
Automated commission calculation, TDS deduction and settlement across agents, distributors and sponsor banks.
Fewer payout disputes, faster settlement cycles and accurate financial reporting.
Agent-assisted and self-service digital wallets supporting domestic money transfer, bill payments and merchant payments, built to the standards you would expect from a digital wallet development company.
An additional revenue stream for your BC network, on the same compliant infrastructure.
Business Correspondent operations sit inside a well-defined regulatory framework. We design our systems to operate within it rather than working around it.
✓ Agent onboarding rules
✓ Permissible BC activities
✓ BC-to-bank agreement structure
✓ Aadhaar-based e-KYC
✓ Document verification
✓ Ongoing customer due diligence
✓ Transaction limits
✓ Authentication standards
✓ NPCI switch connectivity
✓ Encrypted storage and transmission
✓ Biometric data protection
✓ Full audit trail and reporting
We do not offer legal or regulatory advice. Compliance requirements should always be confirmed with your legal team and sponsor bank. Our role is building the logging, KYC flows and security controls needed to support that compliance.
Building a platform at this scale takes more than code. It demands a structured approach aligned to financial workflows, regulatory compliance and real transaction scenarios.
We map your agent hierarchy, sponsor-bank relationships, revenue model and compliance requirements before writing a line of code.
Simple, low-bandwidth-friendly interfaces for agents using basic Android devices in low-connectivity areas.
We build the BC platform and integrate AEPS, micro ATM, biometric authentication and sponsor-bank APIs.
Security testing, load testing for transaction volume, and validation against RBI-aligned compliance requirements.
Secure cloud deployment, monitoring and a phased agent rollout.
Continuous monitoring, feature updates and infrastructure scaling as your agent network grows.
Cost depends on scope. A single-bank AEPS integration with basic agent management costs less than a multi-bank platform with commission engines, fraud monitoring and custom compliance reporting.
A basic CICO or AEPS app needs less investment than a full BC network platform with commissions, wallets and multi-bank routing.
KYC, AML, audit trails and biometric data protection add engineering effort that scales with how many banks and states you operate in.
Every additional sponsor bank, AEPS switch or credit bureau connection adds integration and testing work.
Platforms built for high transaction volume across states need cloud-native, event-driven architecture from day one, not retrofitted later.