UNU Exchange

Enterprise Operations Demonstration

Digital Channels Forex Engine Treasury & CIT AML/KYC Financial ERP

Use arrow keys to navigate

Platform Paradigm

The Power of a Unified Financial Engine

UNU Exchange replaces fragmented legacy systems with a single, highly-available enterprise platform. Designed specifically for regulated financial institutions, it unites front-office tellers, back-office accounting, and central compliance into one source of truth.

Multi-Branch Setup

Manage nationwide networks centrally.

Multi-Currency Core

Native support for all FX pairs.

Multi-Country Tax

Adaptable VAT & regulatory rules.

Native Arabic

Full RTL and bilingual support.

Architecture Base

Odoo Enterprise Framework

Enterprise Architecture

Seamless data flow without reconciliation gaps

1. KYC

Identity & Risk Check

2. Exchange

FX Engine execution

3. Treasury

Inventory & Vault Update

4. Accounting

Automated GL Entries

5. BI & Reporting

Real-time Exec Dashboards

One Single Database

Every transaction updates inventory, accounting, and compliance instantly.

Exchange Teller Operations

The Complete Point-of-Sale Journey

Avg Time: 45s

1. Identity & KYC

Scan Passport/National ID. Validate risk profile and SAMA limits.

2. Rate & Transaction

Select currencies. Apply corporate margins or VIP discounts. Calculate commission.

3. Execution & Receipt

Print receipt. Update cash drawer immediately.

4. Background Automation

System posts GL entries, updates branch inventory, logs audit trail.

Teller Workspace Mockup

High-speed interface designed for high volume.

UNU POS v3.2

Network: ONLINE

Khalid Al-Dossari

ID: 10****4521

KYC StatusValid

Risk LevelLow

YTD VolumeSAR 45,000

Receive (Foreign)

USD

Pay (Local)

SAR

Rate3.7510

Fees0.00

Net TotalSAR 3,751.00

Cashier Shift Management

Strict controls over physical cash allocation and reconciliation

Shift Lifecycle

1. Opening Shift

Cashier receives assigned drawer float from Main Vault. Verifies opening balance.

2. Intra-Shift Transfers

Cash replenishment or sweeping excess cash to the vault to minimize counter risk.

3. Closing & Count

System locks POS. Cashier performs physical count of all denominations.

4. Supervisor Reconciliation

Supervisor approves closing report. Discrepancies generate automatic GL adjustment entries.

Control Feature

Blind Close Enforcement

Digital Onboarding & KYC

Zero-friction compliance integration with National Identity frameworks

Data Capture

OCR Scanning of ID/Passport

Verification

Live API Check (Elm/Yakeen)

Screening

Sanctions & PEP Database Match

Profile Active

Risk Scored & Limits Applied

Compliance & Risk Management

Continuous transaction monitoring and AML alerts

Dynamic Rule Engine

Create custom AML rules for structuring, velocity, and abnormal geographical flows.

AML Alert Dashboard

3 High12 Med

ID	Customer	Trigger	Risk Score
ALR-9921	Corp Trading LLC	High Velocity Transfers	92/100
ALR-9920	John Doe	Structuring detected	65/100
ALR-9919	Ahmed S.	PEP Match (Sub-list B)	88/100
ALR-9918	Tech Import Co.	Unusual Destination	40/100

Treasury Operations

Centralized control of all physical currency and bank balances

Total Cash Position

SAR 142.5M

FX Exposure Limit

82% Utilized

Multi-Tier Vault Hierarchy

Main Treasury Vault

Consolidated holding. Directly interacts with central bank/commercial banks.

Branch Vaults

Local storage. Manages intra-day liquidity for specific regional branches.

Teller Drawers

Assigned float. Auto-sweeps excess cash to branch vault upon limits.

Cash In Transit (CIT) Operations

Secure physical transportation modeled as virtual warehouses

1. Dispatch

Cash loaded & sealed at Main Vault

Status

In Transit (GPS)

2. Receive

Branch verifies seals & executes settlement

Enterprise Inventory Operations

Treating currency like serialized inventory for perfect traceability

Stock Reservation

Lock currency for confirmed wholesale orders before physical pickup.

Inventory Adjustments

Strictly controlled adjustments with mandatory multi-level approvals.

Inventory Freeze

Suspend branch operations instantly during audits or compliance checks.

Batch Tracking

Track specific series or bundles from central bank to customer receipt.

Internal Inventory Transfers

End-to-End lifecycle of physical cash movement

Main Vault

CIT Vehicle

Branch Vault

Cashier

Customer

Currency Inventory Valuation

Real-time assessment of currency holdings against market rates

Method: Average Cost

Inventory Cost vs Market Value (EUR)

Financial Impact Tracking

Average Cost / FIFO

Select valuation method at company or branch level to determine exact cost of goods sold for currencies.

Realized Gain/Loss

Automatically calculate profit margins on every exchange transaction based on actual inventory cost.

Unrealized Exposure

Monitor treasury health by comparing book value of vaulted currency against live SAMA exchange rates.

Stock Count & Audit

Ensuring physical reality matches system records

Periodic & Cycle Counts

Scheduled audits of specific vaults or currencies without disrupting branch operations.

Surprise Counts

Compliance officers can trigger immediate blind counts enforcing temporary branch freeze.

Difference Detection & Adjustments

System highlights discrepancies. Adjustments require multi-level approval and post directly to GL loss accounts.

Corporate Sales & Wholesale Operations

B2B workflows for high-volume corporate clients

Quotation

Sales Order

Credit & Approval

Delivery (Cash)

Invoice & Collect

Corporate Credit Control

System automatically blocks sales orders if the corporate customer exceeds their assigned credit limit or has overdue invoices, requiring CFO override.

International Trade & Procurement

Managing global currency supply chains

Export & Wholesale

Manage international wholesale customers.
Multi-currency invoicing and settlement.
Integration with logistics for physical export.

Import & Procurement

Request for Quotation (RFQ) workflow.
Purchase Orders linked to central banks.
Landed Cost Allocation: Distribute freight, customs, and insurance costs into inventory valuation.

Advanced Pricing Engine

Dynamic, rule-based matrix for both Sales and Procurement

Customer Price Lists

Define selling rates based on complex logic rather than fixed numbers.

VIP CustomersCost + 0.5%

Corporate Level ACost + 1.2%

Retail (Walk-in)Market + 2.5%

Supplier Price Lists

Manage complex procurement contracts and quantity discounts.

Supplier: Global Bank XContract Rate

Volume > 1M USD- 0.05 Pips

Country: UAESpecific Matrix

Core Accounting Engine

Automated financial record keeping from transaction to statement

General Ledger

1. Source Transaction

2. Automated Journal Entry

3. AP / AR Update

4. Trial Balance

5. Financial Statements

Automated Bank Reconciliation

AI-assisted matching of bank statements with ERP ledger entries

Reconciliation: Al Rajhi Bank - Main Acc

Bank Statement Lines

Incoming Transfer - Ref 992+ SAR 50,000.00

Matched

POS Settlement - Branch 1+ SAR 12,450.00

Pending

System Ledger Entries

Customer Invoice INV/2026/001SAR 50,000.00

Matched

Daily POS Batch B1SAR 12,450.00

Unreconciled

Partner Statements & Ledgers

Complete visibility into receivables and payables

Customer Statements (AR)

Customer Ledger view.
Outstanding Balance & Credit Notes.
Aging Reports (30/60/90 days).
One-click statement generation & email.

Supplier Statements (AP)

Vendor Balance tracking.
Received invoices vs Payments.
Debit Notes & Adjustments.
Payment follow-up & scheduling.

Fixed Assets Management

End-to-end lifecycle tracking for branch equipment and infrastructure

Procure

Register & Capitalize

Depreciate

Revaluate / Transfer

Retire / Dispose

Enterprise Approval Workflow

Configurable multi-tier routing for critical transactions

Branch Employee
Initiates Request (e.g. Rate Override)

Branch Manager
Tier 1 Approval

AND / OR

Compliance Officer
Risk Check

System Execution
Logged in Audit Trail

Executive Dashboards

Real-time C-Level Business Intelligence

CEO View CFO View Treasury View

Total Exchange Volume

SAR 42.5M

+12.5%

Revenue (Comm & FX)

SAR 1.2M

+5.2%

Active Branches

45 / 45

100% Uptime

Pending KYC / AML

12

Action Required

Hourly Trading Volume

Currency Mix

Comprehensive Operational Reports

Standardized & Custom Reporting Engine

Financial

Financial Statements
Profitability Reports
Trial Balance

Operational

Branch Performance
Exchange Transactions List
Inventory / Cash Position

Compliance

AML / Risk Reports
SAMA Regulatory Exports
Audit Trail History

Self-Service Customer Portal

Empowering corporate and VIP clients

UNU Portal

Transactions Statements

Corp Trading LLC

CR: 1010123456

KYC Verified

Available Credit Limit

SAR 150,000

Customer Classification

Corporate Tier 1

Recent Transactions

Date	Type	Amount	Status
Oct 12, 2026	Buy USD	SAR 37,510	Completed
Oct 10, 2026	Sell EUR	SAR 14,200	Completed

Seamless Enterprise Integrations

A fully connected ecosystem via robust REST APIs.

SAMA ZATCA Elm / Yakeen Wathiq Partner Banks WhatsApp / SMS Power BI

Enterprise Grade Security Cloud & On-Premise Ready