Devices
Compatible ATMs, self-service kiosks and retail devices, owned and operated by partners. Each hardware model is reviewed before deployment.
Fintech infrastructure
Fintech Infrastructure for ATM, Kiosk and Retail Networks
Futura OS is the software layer between self-service machines and the financial service providers behind them. One platform connects compatible devices, routes supported services to licensed providers and gives operators one view of their network.
Software infrastructure only: Futura is not a bank, and regulated services are performed by participating providers.Compatible machines
ATMsReviewed model by model
Self-service kiosksCompatible hardware
Retail locationsParticipating stores
Futura OS
Device connectivity
Provider integrations
Customer identity verification
Network visibility
Deployment configuration
Third-party providers
Money transfersPAGOTRONIC LLC
Cash-in & walletEssential / Atrium Pay
Gift cardsXOXO PLUM
ATM processingDNS ATM Processing
Diagram for illustration, not a product screenshot. Regulated services are performed by the third-party providers shown. Available services depend on the machine, location and provider agreements.
What it means
What fintech infrastructure means for physical networks
Most fintech infrastructure lives online. Futura brings the same idea to machines in stores and public places: a shared software layer that many devices, partners and providers can plug into.
Without that layer, each new service on a machine means a new integration, often new equipment, and another system to operate. With Futura OS, compatible ATMs and kiosks connect once, and supported services are added through provider integrations configured per deployment.
The result for operators and retailers is a financial services platform they can grow over time, while each regulated service stays with the licensed provider that performs it.
Fintech infrastructure vs. a payment processor
- A processor moves a specific type of transaction, such as an ATM withdrawal or a card payment.
- Fintech infrastructure connects devices, identity verification, providers and operations so several services can run on the same network.
- Futura OS works with participating processors and providers; it does not replace them.
Architecture
Four layers, clear responsibilities
Every Futura deployment has the same structure. What changes is the hardware, the providers and the services each location offers.
Futura OS
The software layer: device connectivity, service routing, customer identity verification with Futura ID, configuration per deployment and API connectivity scoped by agreement.
Financial service providers
Licensed third parties that perform regulated services such as money transfers, cash-in and wallet services, and gift cards. Providers are named for each service.
Operators and partners
Operators and retail partners review their network in Futura Dashboard: machines, cash levels, transaction workflows, settlements and support.
Why one layer
Why networks use a shared infrastructure layer
Add services through integrations
Supported services are added to compatible machines through provider integrations instead of new equipment, where the hardware and agreements allow it.
One customer identity
Customers verify their identity once with Futura ID and then use their phone number at participating machines, with a code sent by text on each visit.
One operations view
Cash, machine status, transactions and support requests are reviewed in one dashboard instead of a separate tool for each service.
Clear compliance boundaries
Futura provides software. Licensed providers perform regulated services, and operators run their machines and locations.
Hardware-agnostic by design
Futura OS is designed for compatible hardware from different manufacturers. Genmega, an ATM and kiosk hardware maker, is one of our sponsors.
Availability shown honestly
Each capability and service is labeled as available, supported configuration or subject to integration, so partners know what applies to them.
Services on the infrastructure
Services and the providers that perform them
Availability depends on hardware compatibility, integration status, participating providers, location and applicable requirements.
AvailableSupported configurationsSubject to integration
Supported configurations
ATM services
Supported ATM functionality on compatible hardware, through participating processors.
Supported configurations
Money transfers
Domestic transfers and remittances where available.
Provided by PAGOTRONIC LLC, a licensed money transmitter. Futura acts as its Authorized Agent.Supported configurations
Cash-in & wallet
Cash deposits and wallet services at participating machines.
Provided by ESSENTIAL FINANCIAL INVESTMENTS CORP. DBA ESSENTIAL MONEY TRANSFERS & ATRIUM PAY.Supported configurations
Gift cards
Gift card sales through a supported network.
Provided by XOXO PLUM.Subject to integration
Bill payment
Available only where a provider integration and approval are in place.
Subject to integration
Check cashing
Subject to provider integration and applicable requirements.
Subject to integration
Payment solutions
Card and payment acceptance depend on a payment processor integration.
Subject to integration
Other digital financial services
Additional services as partnerships and approvals permit.
Security and responsibilities
Who is responsible for what
Data handling
Forms collect only what is needed to respond. Store credit balances are sent by text and never shown on the website. Futura never asks for PINs, passwords or full card numbers online.
Access controls
Customers verify their identity once with a government ID and a selfie, and confirm each visit with a one-time code sent to their phone. Partner portals require sign-in.
Third-party integrations
Regulated financial services are performed by third-party providers under their own licenses and requirements. Futura provides the software and integrations.
Responsibilities
Operators own and run their machines, cash handling and on-site support. Providers perform and are responsible for regulated services. Requirements vary by provider and jurisdiction.
FUTURA NETWORK TECHNOLOGIES INC. is a technology and software infrastructure company. It is not a bank or a licensed money transmitter and does not hold banking or money-transmission licenses.
FAQ
Fintech infrastructure questions
What is fintech infrastructure?
It is the software that connects devices, customers and financial service providers so services can be offered and operated reliably. Futura applies it to ATMs, self-service kiosks and retail locations.
Is Futura a bank or a money transmitter?
No. Futura Network Technologies is a technology and software company. Regulated services are performed by licensed third-party providers, which are named for each service.
Does Futura replace my ATM processor?
No. Futura OS works with participating processors and providers. Which processors and providers apply to your network is reviewed during the technical assessment.
Which hardware works with Futura OS?
Futura is hardware-agnostic by design, and each machine model is reviewed before deployment. Tell us your models during the demo.
Do you offer an API?
API access for partner integrations is scoped by agreement and by the services involved. Documentation and test access are shared with partners under agreement.
Where is Futura available?
Futura works with partners in the United States. Services available at each location are shown on the map, and availability for a new network depends on hardware, providers and applicable requirements.
Ready to Explore Futura for Your Network?
Discuss your hardware, software licensing, integration requirements and potential deployment with the Futura team.
