FinToken XArchitecturePartner Admin

Partner Admin

Staff at a white-label deployment of FinToken X — typically a bank or large fintech that wants to offer invoice finance under its own brand without building the platform. Partner Admins manage their tenant's Application Programming Interface (API) keys, theme, sub-partner onboarding, supply-chain finance programmes, billing. They cannot bypass FinToken X's customer gates — every Small or Medium-sized Enterprise (SME) their tenant onboards still passes Gates 1–3 on FinToken X's checks.

Mercia Bank public limited company (plc)

Helena Rourke, Head of Trade Finance Products · helena.rourke@merciabank.co.uk · Mid-size United Kingdom (UK) bank · ~£18bn AUM · 240 corporate customers

Mercia is launching "Mercia Trade Finance" — its own-brand invoice finance product to its existing corporate customers. They don't want to build the platform; they want FinToken X under the hood. Helena's mandate is to onboard 30 corporate buyers and their supplier ecosystems in 12 months, branded as Mercia, with bespoke pricing and Mercia's own credit team approving each programme.

Channel
Browser Single-Page Application (SPA) (white-label theme)
Role-Based Access Control (RBAC)
partner_admin · scope-bound to own tenant
Authority
Manage tenant settings · onboard sub-partners · run Supply Chain Finance (SCF) programmes · cannot move funds outside programme rules
Bypass
Audit-marked, scope-bound

The white-label model

Two tenants per partner deployment: the partner itself (Mercia), and the customers it onboards (their corporate buyers + the buyers' supplier ecosystems). FinToken X enforces the same rules on customers regardless of the partner.

White-labelled UI

Theme, logo, colours, custom domain (finance.merciabank.co.uk). Underlying React app is unchanged; theme tokens swap at runtime.

Partner-branded transactional emails

From finance@merciabank.co.uk; signed with Mercia's DomainKeys Identified Mail (DKIM) via FinToken X's outbound mailer.

Tenant-scoped data

Every record carries a tenant ID. Mercia sees its own customers' records; another partner sees its own. Cross-tenant queries are not exposed.

Same Know Your Customer (KYC)/Anti-Money Laundering (AML) rules

Mercia's customers pass FinToken X's gates, not Mercia's own. Mercia can layer additional checks on top, but cannot subtract.

Bespoke pricing

Mercia sets its own discount band, platform fee share, and tier rules — within FinToken X's overall caps.

SCF programmes

The headline product: Mercia signs up Northwind Retail as the obligor, and Northwind's full supplier ecosystem gets a one-tap onboarding flow.

Flow map

StepHelena's viewState
P1Partner activation (one-time, run by FinToken X account team)PARTNER_ACTIVE
P2Theme & domain setupTHEME_PUBLISHED
P3API keys + webhooksKEYS_ISSUED
P4Onboard a sub-partner / corporateSUBPARTNER_ACTIVE
P5Run an SCF programmeSCF_PROGRAMME_LIVE
P6Monitor usage + receive monthly bill—

Partner portal · /partner

🔒 finance.merciabank.co.uk/partner
M
🏢
⚡
📊
⚙️
Mercia Bank · Trade Finance
Helena R.

Mercia Trade Finance · partner console

White-label deployment of FinToken X for Mercia Bank plc

Active programmes
7
Northwind Retail, Halton & Crane …
Suppliers active
412
+38 this month
Funded volume MTD
£8.4m
API requests · 24h
42,118
SCF programmes
Obligor
Suppliers
MTD volume
Discount band
Status
Northwind Retail plc
142
£3.2m
2.0–2.6%
Live
›
Halton & Crane Limited Liability Partnership (LLP)
38
£940k
2.2–2.8%
Live
›
Stratton Logistics Limited (Ltd)
22
£412k
2.4–3.0%
Live
›
Yorkshire Schools Trust
14
£218k
2.0–2.4%
Onboarding
›
Recent onboarding events
Subject
Type
Programme
Coppergate Joinery Ltd
SME Seller
Northwind Retail SCF
Active
Marlow Print & Pack
SME Seller
Northwind Retail SCF
In review

SCF programme · /partner/scf/programmes/:id

A Supply-Chain Finance programme: one corporate buyer (the obligor), N suppliers, bespoke pricing, and a one-tap onboarding flow that pre-populates the buyer field on every supplier's invoice.

🔒 finance.merciabank.co.uk/partner/scf/programmes/scf_northwind

Northwind Retail SCF programme

142 active suppliers · £3.2m funded MTD

Live
Programme parameters
ObligorNorthwind Retail plc
Tenor band30–90 days
Discount band (suppliers)2.0%–2.6%
Mercia margin0.4% of face value
Funding sourceMercia Bank plc balance sheet (own books)
Onboarding URLfinance.merciabank.co.uk/scf/northwind
Suppliers in programme

142 active · 8 in onboarding · 0 declined this month

Compliance constraint. Even though Mercia is the funder, every supplier still passes FinToken X Gates 1–3. Mercia adds its own credit checks on top (its own corporate-customer relationship history) but cannot subtract from FinToken X's regulatory checks.

Theme & domain · /partner/theme-editor

White-label theming. The same React app, with theme tokens swapped at runtime.

🔒 finance.merciabank.co.uk/partner/theme-editor

Theme editor

Logo, colours, font, custom domain

Brand
Display name
Mercia Trade Finance
Custom domain
finance.merciabank.co.uk
DNS · CNAME → fx-tenants.fintokenx.uk · TLS issued via Let's Encrypt · Verified
Primary colour
#0a3d62
Accent
#d4a017
Logo
mercia-bank-mark.svg
Email
From address
finance@merciabank.co.uk
DKIM record
fx-tenant._domainkey.merciabank.co.uk
Validated · last verified 22 May 09:14
Reply-to
trade-finance@merciabank.co.uk

API keys & webhooks · /partner/api-keys

Each tenant gets its own keys; rate limits per key set by FinToken X plan; per-tenant webhook endpoints.

🔒 finance.merciabank.co.uk/partner/api-keys

API keys

Mercia Trade Finance · scoped to tenant tnt_mercia_bank

Key prefix
Created by
Last used
Rate limit
Scope
fxk_live_M3a…
Helena R.
2 min ago
600 / min
full
›
fxk_test_M3b…
Helena R.
3d ago
100 / min
read-only
›

Webhook endpoints

URL
Subscribed events
Last delivery
https://mb-api.merciabank.co.uk/fx/webhook
invoice.* · payment.*
2 min ago
›

Usage & billing · /partner/billing

Monthly bill with line items: per-funded-invoice fee, per-tokenisation fee, per-secondary-trade fee, per-API-call beyond included quota.

🔒 finance.merciabank.co.uk/partner/billing

May 2026 statement

Line itemVolumeRateAmount
Subscription · Trade Finance Partner tier1 month£18,000£18,000.00
Per-funded-invoice fee2,184 invoices£2.50 each£5,460.00
Per-tokenisation fee2,184 mints£0.40 each£873.60
Per-API-call (beyond 1m included)284,000£0.0008 each£227.20
White-label theme + DKIM1 month£500£500.00
Total · ex-VAT£25,060.80

Where it can go wrong

BranchHelena's viewRecovery
API key compromisedRevoke + audit; webhook secret rotation; usage delta in last 24h surfaced for forensic review.Self-service.
DKIM failing on emails (DNS rotation)Theme editor flags red; emails fall back to FinToken X branded sender until re-validated.Mercia DNS team re-publishes; verify from theme editor.
SCF supplier fails Gates 1–3Supplier sees "could not approve" — same tipping-off discipline as the broker pipeline. Helena sees only "1 supplier declined this month" in aggregate.None partner-side.
Rate-limit breach (API quota)HTTP 429s start; usage console shows the spike; offered upgrade prompt.Upgrade plan or implement back-off in their integration.
Compliance freeze on a sub-partnerProgramme suspends new funding; existing positions continue to maturity.FinToken X compliance team handles; Helena is informed of impact only.