Swap, handled for you
Finnovic Flow is the swap manager for MT5 brokers — set swap rates in bulk, see what every symbol really costs per night, and run swap-free Islamic accounts that settle themselves. It runs on the MT5 server you already have.
Everything swap, in one place
The parts of swap that are manual, error-prone or hard to explain — made safe, repeatable and answerable.
Swap rates, in dollars
Bulk rate edits, CSV import and a live swap value sheet so changes go in once, reviewed, instead of symbol by symbol.
Swap-free engine
An Islamic-account engine that reverses accrued swaps nightly to net zero, every run logged and explainable.
Access control & audit
Role-based access enforced per verb, with a full activity log of who changed what and when.
Inside the swap-free engine
A nightly engine that brings every Islamic account’s swap to net zero — and can show you exactly why each reversal was made.
Book a walkthrough →Net-zero reversal
Sharia-compliant nightly reversal that cancels accrued swap to zero.
19 plain-English reasons
Every action comes with a reason your team and your auditor can read.
Hedging & netting
Hedged and part-closed positions are worked out exactly, never approximated.
Grace periods
Per-tier grace windows before swap-free treatment applies.
Abuse detection
Flags arbitrage and abuse of swap-free status for review.
Cross-verify
Broker-vs-us reconciliation confirms the numbers match both sides.
Refund swap the way your clients expect to see it
Every plan chooses how a swap reversal is presented and booked — so the statement matches your house style and your scholars’ guidance.
Separate-entry mode
The refund posts as its own visible balance credit with a clean MT5 receipt the client can see on their statement — full transparency, every reversal traceable on its own line.
In-position mode
The reversal edits the position’s own swap so the client sees one clean net swap figure instead of a debit-and-credit pair — tidy statements for accounts that should simply read swap-free.
Book it as you need
Record each refund as a Charge, a Correction, or a Commission deal — so reversals land in the right ledger line for your finance and reconciliation teams.
Reversal multiplier
Refund a fraction or a multiple of accrued swap — 80% on one plan, 150% on a premium tier — set per plan so promotions and goodwill terms are a config choice, not a code change.
True Sharia net-zero, with the controls to back it
Decide exactly how far the engine goes — cancel only the debits, or claw back positive carry too — and fence it with grace, validity windows and exclusions.
- Charges-only mode cancels swap debits while the client keeps any positive carry
- Both mode also claws back positive carry for true net-zero, closing positive-swap arbitrage
- Grace periods give each position a set number of free swap-days before charging starts
- Triple-swap handling per plan — charge the partial day or the full triple, your call
- Tier-based grace with validity windows that auto-disable swap-free treatment when they lapse
- Excluded logins so house, test and partner accounts are never touched
Answer “what’s the swap on gold?” in dollars, instantly
One sheet shows every symbol’s buy and sell swap cost per 1.0 lot per day — in the native unit and converted to USD — so support, dealing and finance all read from the same number.
- Buy and sell cost side by side per symbol, per 1.0 lot, per day
- Native unit and USD conversion so the answer is always in money, not points
- All 10 MT5 swap modes handled, so points, percent and money-based symbols all reconcile correctly
- Exportable for desk reference, client questions and audit
Nothing touches a live account until it’s proven safe
The engine assumes it can be wrong and checks itself at every step — before, during and after it writes a single deal to MT5.
- Dry-run preview shows exactly what tonight’s run would do, the night before it posts
- We prove we can post safely before any real run touches a live account
- Per-plan approval gate so a human signs off before reversals are posted
- Every refund is checked afterwards to confirm it actually landed on the account
- Bounded auto-retry recovers from a transient hiccup without ever double-posting
Prove every cent — and explain every decision
When compliance, a partner or a client asks why an account was charged or refunded, the answer is one drill-down away, in plain English.
Cross-Verify reconciliation
An independent, client-by-client check of what was charged against what was refunded — netting each client to under a cent so the books balance both ways.
Master EOD snapshot
A whole-server end-of-day view showing both covered and uncovered logins, so nothing slips through unnoticed at close.
Grace Tracker
A live countdown of every position still inside its grace window, so you can see who is about to start being charged.
Activation history
A full record of when swap-free treatment was switched on or off for each account, and by whom.
Swap Inquiry
Forensic drill-down by login, position or deal with a plain-English reason for every charge and refund — no spreadsheet archaeology.
Refund Exceptions queue
Anything that didn’t post cleanly lands in one queue with a one-click retry — exceptions are worked, not lost.
Spot the gaming — without ever touching the account
Swap-free status invites a handful of well-known plays. The engine watches for them and surfaces evidence for your team to judge — it observes and flags, it never auto-acts.
See how flagging works →Position cycling
Flags accounts that close and reopen to reset their grace window.
Group hopping
Catches movement between groups to chase favourable swap-free terms.
Carry-trade signatures
Highlights positioning that looks built to harvest positive carry.
Evidence attached
Each flag carries the data behind it, so a reviewer sees the why.
Confirm or dismiss
A review queue lets your team accept or clear each flag.
Observation-only
The engine never closes, charges or blocks an account on its own.
One dashboard for health, finance-close and drift
An operator’s view of the whole engine — KPIs, trend, finance-close status and drift — backed by alerts and a complete audit trail.
- Operator dashboard shows health, KPIs, trend, finance-close and drift at a glance
- Email & dashboard alerts raise the things that need a human before they become problems
- Daily health check plus automated nightly reconciliation with a drift alert if the numbers move
- Audit Trail viewer to browse, export and annotate every action the engine took
- Staff-mediated client statements so your team controls exactly what a client sees
Runs beside your MT5, not instead of it
Finnovic Flow handles swap alongside the MT5 server you already run — no migration, no rip-and-replace.
| Capability | What it means for you |
|---|---|
| Runs on your MT5 | A standalone service on top of your existing MT5 server — no migration, no replatform |
| Per-module subscription | Enable only the modules you use; add more as you grow |
| Live & audit-logged | Every change is applied live and recorded in a full audit trail of who changed what and when |
| Role-based access | Access enforced per action, so people only do what their role allows |
| Reversible | Rate changes and refund runs can be reviewed before posting and undone after |
| Explainable by design | Every action carries a plain-English reason, so it is answerable to compliance |
Explore each capability
A page each, covering what it does and what it changes for your desk.
Swap values
Update MT5 swap rates in bulk, load a rate review from a spreadsheet, and see what every symbol costs a client per lot per day in dollars.
Read more →Swap-free plans
Create swap-free plans for Islamic accounts: how far the reversal goes, how the client sees it, how long grace lasts, and who is never touched. Runs nightly.
Read more →Questions dealing teams ask
Is the swap-free engine genuinely Sharia-compliant?
Do I have to migrate my MT5?
Does it handle hedging and netting correctly?
Can I preview a night before anything posts?
How do I prove refunds are correct?
How do brokers make Islamic accounts swap-free on MT5?
Can I apply swap markups and bulk-update swaps on MT5?
What does it cost?
Trusted by brokers worldwide
A selection of brokers running on Finnovic.
Run it alongside your MT5
We’ll show the swap-free engine running against a copy of your own setup — no changes to your live server.
Talk to us →