Platform architecture

SingleView B2B Core APIs are built on a secure, scalable, and API-first architecture that enables businesses, fintechs, ERP providers, and financial institutions to access financial data services and payment capabilities through a unified integration platform.

The platform abstracts the complexity of backend banking and payment systems, allowing applications to interact with a standardized set of APIs while maintaining enterprise-grade security, reliability, and performance.

Architecture Overview

At a high level, the platform consists of the following layers:

Client Applications

Applications developed by businesses and partners that consume SingleView APIs, including:

• Enterprise Resource Planning (ERP) systems
• Treasury management platforms
• Corporate banking applications
• Fintech solutions
• Accounting and payroll systems
• Custom business applications

These applications initiate API requests to retrieve information or perform payment transactions.

API Gateway

The API Gateway serves as the primary entry point for all API traffic.

Key responsibilities include:

• Request routing
• Authentication and authorization
• Traffic management
• Rate limiting
• Request validation
• API version management
• Monitoring and logging

All API requests are securely processed through the gateway before reaching backend services.

Security Layer

The platform incorporates multiple security controls to protect data and transactions.

Security capabilities include:

• Secure API authentication
• Access token validation
• Request integrity verification via encrypted Signature
• Data encryption in transit
• Audit logging and monitoring

These controls ensure that only authorized applications can access platform resources.

Business Services Layer

The Business Services Layer contains the core services that power the API suite.

Data Services

Provide access to financial and account information, including:

• Account statement
• Balance enquiry
• IBAN verification
• POS transactions
• Raw statement

Payment Services

Enable payment initiation and transaction management, including:

• • Single payment
  • Bulk payment
  • Payroll payouts
  • SADAD Bills

These services process business requests and orchestrate interactions with underlying banking and payment systems.

Integration Layer

The Integration Layer facilitates communication between the platform and backend systems.

This layer is responsible for:

• Message transformation
• Protocol conversion
• Service orchestration
• Data mapping
• Backend connectivity

It ensures consistent API behavior regardless of the underlying system architecture.

Banking and Payment Networks

The platform connects to various financial systems and payment infrastructures, enabling businesses to access financial services through a single integration.

Depending on the service being used, requests may be routed to:

• Banking systems
• Payment processing platforms
• Payroll systems
• SADAD services
• Government payment services
• Internal financial platforms

Request Flow

A typical API interaction follows these steps:

1. The client application sends a request to the SingleView API Gateway.
2. The platform validates authentication credentials and security requirements.
3. The request is routed to the appropriate business service.
4. The service processes the request and communicates with relevant backend systems.
5. A standardized response is returned to the client application.
6. Transaction and audit information is securely logged for monitoring and reporting.

Scalability and Reliability

The SingleView platform is designed to support enterprise-scale workloads through:

• High availability architecture
• Horizontal scalability
• Fault-tolerant services
• Performance monitoring
• Automated recovery mechanisms
• Centralized observability and logging

These capabilities help ensure consistent service availability and reliable transaction processing.

Benefits of the Architecture

The SingleView B2B Core API architecture enables organizations to:

• Integrate once and access multiple financial services
• Accelerate implementation timelines
• Reduce operational complexity
• Improve security and compliance
• Scale transaction volumes efficiently
• Deliver consistent user experiences across applications

By providing a unified API platform, SingleView simplifies access to financial information and payment services while supporting the evolving needs of modern businesses.