Hesab-ras

Hesab-ras — by Alkharazmi | Fintech, Currency Exchange & Hawala Remittance Platform

Engineered for Money Service Providers (MSPs), currency exchanges, and remittance brokers. Manages incoming/outgoing hawala transfers, live FX gains/losses, commissions, and multi-branch ledgers. Backed by legacy ledger onboarding, tailored adaptation, and responsive technical support.

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Centralized architecture for structured and reliable business operations

Hesab-ras is an advanced financial engine purpose-built for licensed Money Service Providers (MSPs), currency traders, and hawala remittance brokers. High-volume currency operations require strict financial controls and precise multi-currency reconciliation. Alkharazmi engineers assist on-site to migrate legacy customer balances, calibrate transaction receipts to your operational standards, and provide dependable support during active market trading hours.

Secure hawala remittance dispatch & tracking
Real-time FX currency exchange & gain/loss
Multi-currency customer ledgers & statements
Legacy ledger migration, custom tailoring & dependable support

Target industries

Licensed money service providers, foreign exchange bureaus, and currency tradersDomestic and cross-border hawala remittance broker networksCommercial trade offices managing hundreds of customer accounts across USD, AFN, IRR, PKR, and EUR

Key roles

Senior Money Changers & MSP Owners (total liquidity, exposure, and net FX margin)Counter Tellers & Remittance Operators (fast voucher issuance and secure payout verification)Compliance Officers & Head Accountants (reconciliation, closing balances, and auditing)

Core modules

Secure Inward & Outward Remittance Engine

Instant hawala dispatch, commission calculation, WhatsApp/printed receipts, and two-step verification payout codes.

Real-Time FX Currency Exchange & Gain/Loss

Weighted average cost calculations, dynamic spread tracking, and automated FX gain/loss attribution.

Multi-Currency Customer Ledgers & Statements

Multi-currency sub-ledgers per customer, automated statement generation, and credit limits.

Inter-Branch Clearance & Correspondent Ledgers

Joint ledgers with correspondent dealers, end-of-day balance reconciliations, and broker commissions.

Operational challenges addressed

Human errors recording volatile multi-currency remittances and lost verification codes
Ambiguity over true net trading profits caused by rapid intraday currency fluctuations
End-of-day clearance delays with partner offices and the daunting barrier of manual book migration

Verified business impact

Rigorous multi-currency reconciliation reducing conversion leaks and operational discrepancies
Structured transition from paper books: our engineers assist in migrating opening customer accounts
Custom voucher formats, report layouts, and business logic added on demand
Direct, responsive technical support during active market trading hours

Standard workflow

1Base currency mapping and legacy ledger onboarding completed on-site by the Alkharazmi team
2Real-time transaction capture with unique verification codes and instant printed/digital vouchers
3Immediate settlement with customers and correspondent brokers with separated commission
4End-of-day trial balance, vault cash reconciliation, and live net currency portfolio position

Technical architecture & resilience

Local offline database deployment engineered for strict confidentiality and data protection
Encrypted automated scheduled backups designed for continuous data protection and recovery
Ultra-low-latency response times during peak high-volume currency market trading sessions