Perpetual right to use SAMFCore
A perpetual licence provides continuous contractual rights to use the licensed SAMFCore software for the licensee’s own business operations.
Perpetual software licence
What Is Included in a SAMFCore Perpetual Software Licence?
SAMFCore is available under a perpetual software licence for organisations that want long-term control over their financial-services technology rather than relying exclusively on recurring software subscriptions.
Under a perpetual licence, the customer receives continuing rights to use the SAMFCore software for its own business operations, deploy it within its own technical environment, operate it under its own brand, integrate customer-selected external providers and retain ownership of its own data.
Quick answers
The SAMFCore perpetual licence at a glance
- Yes — SAMFCore is offered under a perpetual software licence with a one-time software licence fee.
- No indefinite recurring SAMFCore software subscription merely to retain the licence; hosting, maintenance and provider costs are separate.
- No mandatory ongoing Swiss AMF maintenance agreement — maintain the deployment with your own team, appointed developers or Swiss AMF.
- Modules cover onboarding, multi-currency accounts, payments, exchange, card workflows, crypto, compliance/AML, back office, fees, reporting, white-label and APIs.
- SAMFCore can be self-hosted in customer-selected infrastructure and operated under the customer’s own brand.
- Card and crypto workflows are included as software; issuing, custody and exchange services come from customer-selected providers.
- Full Source Code is available with Perpetual + Full Source Code and Enterprise Global, not the standard Perpetual Licence.
- Progressive Cutover Migration is included with Perpetual + Full Source Code and Enterprise Global.
What the perpetual licence gives you
Perpetual Licence Rights
The core rights that come with a SAMFCore perpetual software licence.
One-time software licence fee
The applicable perpetual licence is based on a one-time SAMFCore software licence fee rather than an ongoing recurring software subscription merely to retain the licence.
Customer-controlled deployment
Deploy SAMFCore within customer-selected infrastructure and technical environments.
Operate under your own brand
The licensed deployment can be operated under the customer’s own name, brand and business identity.
Your data remains your data
Customer and transactional data generated or stored through the licensed deployment remain under the licensee’s ownership, with the ability to extract and migrate data using standard technical means.
No mandatory SAMFCore maintenance contract
The perpetual licence does not depend on maintaining an ongoing support or maintenance agreement with Swiss AMF AG.
Use your own technical team
The licensee may use its own personnel or appointed third-party contractors to support its internal operation of the software.
Source-code escrow protection
Source code may be placed with an independent escrow provider for release upon defined continuity events.
Functional scope
Software Modules Included in SAMFCore
The perpetual licence covers the SAMFCore software modules below. External regulated providers — banks, card issuers, KYC/AML screening, custody and exchange providers — are not included in the SAMFCore licence and are contracted separately.
Customer Onboarding & Identity
- Personal customer registration
- Business customer registration
- KYC onboarding
- KYB onboarding
- Identity and profile management
- UBO and beneficial-owner workflows
- Document collection and review
- Configurable onboarding settings
Multi-Currency Accounts & IBAN Workflows
- Customer account dashboard
- Multiple currency balances
- Bank-account and IBAN workflows
- Currency deposits
- External-bank withdrawals
- Batch withdrawals
- Account administration
Payments & Money Transfers
- Deposits
- Withdrawals
- Transfers
- Transaction history
- Transaction export
- Administrative transaction review
- Approval and rejection workflows
- Refund workflows
- AML review for flagged transactions
Multi-Currency & Digital-Asset Exchange
- Currency exchange
- Crypto exchange
- Market exchange workflows
- Limit exchange workflows
- Exchange-rate retrieval
- Movement between fiat and crypto balances where configured
Card Issuing & Management Workflows
- Physical card ordering
- Virtual card ordering
- Card activation
- PIN / ePIN management
- Freeze and unfreeze
- Card balance top-ups
- Card-related transaction workflows
Card issuing, processing, BIN sponsorship and related regulated/provider services are supplied through deployment-specific external card infrastructure.
Card issuing platform detailsCrypto & Digital Assets
- Digital-asset balances
- Crypto account and wallet workflows
- Fiat-to-crypto workflows
- Crypto-to-fiat workflows
- Crypto-to-crypto exchange
- Digital-asset administration
- Wallet-request approval
- Supported blockchain-network functionality where configured
Compliance & AML Workflow Tools
- AML case management
- Ongoing due diligence
- Transaction-review workflows
- Configurable AML transfer rules
- Real-time transaction flagging
- Retrospective screening
- Sanctions/PEP re-screening through integrated providers
- Document requests
- Escalated approval workflows
- Risk levels and risk scores
- Audit trails
SAMFCore provides the compliance workflow and control software only. AML, sanctions and PEP screening itself is performed by customer-selected third-party screening providers integrated into the workflow — SAMFCore is not a regulated AML provider. The licensee remains responsible for its own regulatory compliance and external screening-provider arrangements.
Administration & Back Office
- KYC/KYB review and approval
- Customer and profile administration
- Risk configuration
- Transfer administration
- Account administration
- Card administration
- Crypto administration
- Fee configuration
- Roles and permissions
- Activity logs
- Reports and analytics
- Notifications
- Document management
Fees & Pricing Engine
- Fee baskets
- Periodic fees
- Volume-based fees
- Risk-level-based fees
- Fee assignment
- Fee reporting
- Full control over the fees set at all transaction points
The licensee owns and controls the complete fee configuration across every transaction point.
Reporting & Audit
- Activity and audit trail
- Operational reporting
- Embedded PowerBI capability
- Dynamic reporting
- Daily-balance reporting
- Accounting-related reporting
White-Label & Multi-Brand
- Branded deployments
- Tenant provisioning
- Tenant webhooks
- Customer-specific configuration
- Theme and brand configuration
APIs & Integrations
- Customer APIs
- Administrative APIs
- B2B / white-label integration APIs
- Webhooks
- Third-party-provider integrations
- APIs across accounts, cards, transfers, digital assets, compliance and related modules
For how the modules fit together, see the SAMFCore platform overview.
Separate costs
What Is Not Included in the Perpetual Licence Fee
These costs depend on the customer’s deployment architecture, selected providers and commercial arrangements.
- Hosting and cloud infrastructure
- Server costs
- Storage and networking
- Cybersecurity infrastructure
- Backups and disaster recovery
- Optional maintenance and support
- Upgrades and future development
- Third-party service-provider fees
- Bank / account-provider fees
- Card issuer, processor and BIN-sponsor fees
- KYC/KYB provider fees
- AML / sanctions-screening provider fees
- Digital-asset custody fees
- Liquidity-provider fees
- Exchange-provider fees
- Custom third-party integrations
- Regulatory licences or authorisations
Optional
Full Source-Code Licensing
Full Source Code comes with Perpetual + Full Source Code and Enterprise Global. Maintain and develop your licensed deployment with your internal team or appointed developers.
Full source code is not automatically included in the standard perpetual licence.
Underlying SAMFCore intellectual-property ownership is not transferred merely because source-code access is licensed.
Perpetual + Full Source Code · Enterprise Global
Progressive Cutover Migration Included
Perpetual + Full Source Code and Enterprise Global include Progressive Cutover Migration within the agreed project scope: migration planning, data support, integration transition and staged cutover support. Move from your existing platform in controlled stages instead of forcing a single all-at-once cutover. This benefit does not apply to the standard Perpetual Licence.
Explore Progressive Cutover Migration →Licensing models
Recurring SaaS vs SAMFCore Perpetual Licensing
A factual comparison of the SAMFCore perpetual model and a generic recurring SaaS model. SaaS terms vary widely by provider.
SAMFCore perpetual licence
- One-time software licence fee
- Continuing software usage rights
- Customer-controlled deployment
- No recurring SAMFCore licence fee merely to retain the licence
- Provider flexibility
- Full Source Code with Perpetual + Full Source Code and Enterprise Global
- No mandatory maintenance agreement
- Progressive Cutover Migration included with Perpetual + Full Source Code and Enterprise Global
Recurring SaaS model
- Recurring subscription fees
- Continued access usually depends on maintaining the subscription
- Infrastructure and deployment are often vendor-controlled
- Commercial terms vary by provider
For the five-year cost picture, read the CFO total cost of ownership briefing; for security and control trade-offs, see the perpetual vs SaaS security guide. Commercial licence options are summarised on the Licensing page and in the licence configurator.
Already using another platform? See how switching to SAMFCore can work.
Frequently Asked Questions
What does “perpetual licence” mean for SAMFCore?
It means the licensed customer receives continuing (forever) rights to use the licensed SAMFCore software rather than paying a recurring subscription fee to rent the software.
Does SAMFCore charge recurring software licence fees under the perpetual model?
Under the applicable perpetual licence, the software licence is based on a one-time licence fee. Hosting, maintenance, infrastructure and third-party provider costs remain separate.
Is hosting included?
No. The customer is responsible for its selected hosting and infrastructure environment.
Is maintenance mandatory?
No. A perpetual licence is not dependent on maintaining an ongoing support or maintenance agreement.
Can we use our own developers?
The licensee may use our team, or its own team or appointed contractors to support its internal use of the licensed deployment.
Is source code included?
Full Source Code is included with Perpetual + Full Source Code and Enterprise Global. The standard Perpetual Licence does not include source-code access.
Can SAMFCore be white-labelled?
Yes. SAMFCore supports customer-branded deployments and white-label/multi-brand configurations.
Are banks, card issuers, KYC providers and crypto providers included?
No. SAMFCore is the software and integration layer. External regulated and specialist providers are selected and contracted separately according to the deployment.
This page summarizes SAMFCore licensing. The signed licence agreement defines the final contractual rights and scope.