Alkharazmi
Fintech · Product

Hesab-ras

Money service provider management

Manages sending and receiving money between locations, currency exchange, income, expenses, budgets, and reporting for money service providers.

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Product purpose

One focused structure for related work

Hesab-ras is a financial, currency exchange, and remittance management system for money-service providers. It manages customer accounts, payments, remittances, commissions, currency exchange, expenses, clearances, branches, fiscal years, and reports while tracking money movement between customers, branches, currencies, and remittance providers.

  • Send and receive money
  • Currency exchange
  • Income and expenses
  • Budgeting and reporting

Target customers

Money-service providersRemittance and money-transfer companiesCurrency exchange businessesFinancial service and hawala officesMulti-branch payment companiesCommission-based remittance agentsBusinesses holding customer balances in several currencies

Users and roles

Business ownersBranch managersFinance managers and accountantsCashiersRemittance operatorsCurrency exchange operatorsCommission and clearance officersReporting and audit usersSystem administrators and data-entry users

Core modules and capabilities

Dashboard

Cash, commission income, bank and customer balances, balance sheet, daily activity, and remittance flow

Customers and accounts

Registration, accounts, balances, creditors, debtors, statements, and shareable report links

Payments and transactions

Payments, debit/credit entries, editing, history, restrictions, and fiscal-year controls

Remittances

Sent, received, pending, processed, and paid remittances, sender/receiver data, status, and commission

Currency management

Currencies, rates, exchange, multi-currency balances, gains/losses, and FX revaluation

Expenses and clearances

Expenses, categories, clearances, commission expenses, and settlement records

Branches and fiscal years

Multiple branches, branch access, main branch, fiscal years, closing rules, and branch reporting

Reports and administration

Customer, remittance, cash, commission, day-book, trial-balance, and balance-sheet reports; users, roles, backups, and activity logs

Problems solved

  • Centralizes sent and received remittances
  • Monitors customer accounts and balances
  • Connects payments with remittances
  • Manages currencies, rates, and FX gains or losses
  • Tracks remittance commissions
  • Manages clearances, branches, and fiscal years
  • Restricts unwanted transactions
  • Reports balances, cash, remittances, and commissions
  • Protects data through activity logs, backups, and recovery

Verified benefits

  • Centralizes customer, remittance, currency, and accounting records
  • Supports every main remittance status
  • Supports multiple currencies and exchange rates
  • Tracks commissions and related income
  • Provides FX gains, losses, and revaluation
  • Supports multiple branches and branch-based users
  • Provides fiscal-year and transaction controls
  • Reports customers, remittances, cash, commissions, and accounting
  • Includes role-based permissions, backups, recovery, and activity logs
  • Improves traceability from sender to receiver

Typical workflow

  1. 1Configure the company, branches, currencies, fiscal years, users, and permissions
  2. 2Register a customer and create a financial account
  3. 3Create a sent or received remittance
  4. 4Record sender, receiver, currency, amount, rate, commission, and reference
  5. 5Record payments connected to the remittance
  6. 6Move the remittance through pending, processed, received, or paid stages
  7. 7Record currency exchange, rates, and FX gains or losses
  8. 8Record expenses, commissions, and clearances
  9. 9Review balances, cash, remittances, trial balance, and balance sheet
  10. 10Monitor restrictions, activity logs, deleted records, and backups

Platforms and deployment

  • Browser-based application for desktop and tablet
  • Node.js and Express backend with Sequelize and PostgreSQL
  • Vue.js 3, Quasar, and Pinia frontend
  • REST API with JWT authentication
  • Linux or Windows server on a private network or internet hosting

More product screenshots

Hesab-ras · Image 1 of 5

Hesab-ras — Image 1

Implementation path

01

Review needs

We identify the main workflows and priorities.

02

Build in stages

We deliver small, reviewable versions.

03

Train and support

We support launch and team adoption.

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Hesab-ras | Money service provider management