ATM and CDM Cash Deposit System for banks

Industry-Leading CEN/XFS-Compliant Financial Self-Service Solutions

Hongzhou Smart, a member of Hongzhou Group and a China National High-tech Enterprise, has established itself as a global leader in self-service kiosk manufacturing with over 20 years of industry expertise. As an ISO9001, ISO13485, ISO14001, IATF16949 certified and UL approved corporation, we have designed, manufactured, and delivered more than 4,50,000+ units of self-service terminals to over 115+ countries worldwide（By March,2026).

Our CEN/XFS CDM (Cash Deposit Machine) ,ATM (Automated Teller Machine) and CRM(Cash Recycling Machine) solutions represent the pinnacle of financial self-service technology, engineered specifically for banks, financial institutions, and system integrators seeking reliable, standards-compliant hardware and software integration.

Understanding CEN/XFS Standards

What is CEN/XFS?

CEN/XFS (European Committee for Standardization / Extensions for Financial Services), formerly known as WOSA/XFS (Windows Open System Architecture / Extensions for Financial Services), is the industry-standard interface specification that ensures multi-vendor hardware interoperability in financial self-service devices. Since 1998, CEN has maintained and developed this critical standard, which enables seamless communication between software applications and hardware devices from different manufacturers.

CDM,ATM Device Class Specifications

The CEN/XFS specification defines two primary cash handling device classes:

Cash Dispenser Module (CDM): As defined in the CEN XFS Release 3.0 specifications, the CDM device class covers the dispensing of items including bills, coupons, and documents. There are two distinct types of CDM implementations:

• Self-Service CDM: Operates in an automated, unattended environment

• Teller CDM: Operates with an operator present, providing additional functionality such as teller information commands

ATM (Automated Teller Machine): The broader device class encompassing complete self-service banking functionality, including cash dispensing, deposit acceptance, fund transfers, balance inquiries, and bill payments.

Hongzhou Smart's CEN/XFS-Compliant Solutions

Advanced Hardware Architecture

Our ATM/CDM solutions feature industrial-grade components engineered for 24/7 reliability:

Core Specifications:

• Industrial PC: Windows 10 or Linux operating system options for flexible deployment

• Display: 19-inch or 21.5 Inch touchscreen with capacitive touch function keys, featuring brightness control for optimal visibility in any environment

• Cash Handling:

  • Deposit cassettes: 1,000-2,200 notes capacity (optional)

  • Deposit Bag:5000-30000 notes Capacity(optional)

  • Dispense cassettes: 500-3,000 notes capacity (optional)

• Security Features:

  • EMV-compliant debit/credit card reader

  • PCI-compliant encrypted keypad

  • Optional pinhole security camera with transaction recording

  • Tamper-resistant technology and advanced data encryption

• Connectivity: 4G/GSM/Wi-Fi connectivity with wireless mounting bracket and dual power outlets for modem and auxiliary devices

CEN/XFS Service Provider Implementation

As a certified CEN/XFS CDM/ATM Service Provider, Hongzhou Smart offers comprehensive XFS-compliant implementation that includes:

Full Support for XFS Commands:

• WFSGetInfo and WFSAsyncGetInfo for device information retrieval

• WFSExecute and WFSAsyncExecute for command execution

• Persistent values maintained through power failures, session changes, and system resets

XFS4 IoT Migration Support: Our solutions support the latest XFS interface specifications, including migration paths from earlier versions (3.10 to 3.20 and beyond), ensuring future-proof compatibility with evolving standards.

Software Integration Ecosystem

Hongzhou Smart provides comprehensive software integration capabilities for system integrators:

SDK and API Support: Full SDK and API integration support for seamless connection to banking core systems, mobile money servers, and third-party monitoring applications.

Multi-Vendor Compatibility: Our CEN/XFS-compliant service provider ensures interoperability with hardware components from different manufacturers, reducing integration complexity for system integrators.

Customization Capabilities: Full-spectrum customization from UI/UX design to backend transaction engines, compliance reporting, and KYC/AML protocols.

Proven Success in the African Market

Hongzhou Smart has demonstrated exceptional performance in challenging markets, particularly in Africa where financial inclusion remains a critical priority.

Mobile Money ATM Case Study

Challenge: Provide 24/7 financial services in rural areas with no bank branches and intermittent network connectivity.

Solution: Custom ODM solution featuring:

• Floor-stand or Through the wall mounted Mobile Money ATM with industrial-grade touchscreen

• Anti-tamper casing with high-capacity cash recycler (supports 8 denominations)

• 4G/GSM/Wi-Fi connectivity with offline-mode transaction queuing

• USSD menu customization for local languages (Swahili/English)

Results:

• 30% reduction in agent overcrowding

• Improved user experience with 24/7 access

• Transaction success rate >98%

• Downtime <1%

• Scaled to 2,000+ units within 18 months

• Client renewed for a second phase

Key Advantages for African Markets

Network Resilience: Our devices support low-bandwidth synchronization and offline-mode transaction queuing, ensuring reliable operation in areas with intermittent connectivity.

Environmental Durability: Engineered for extreme ambient temperatures and challenging conditions with enhanced thermal management and ruggedized modules.

Localization Support: Full customization for local languages, currency denominations, and regulatory requirements across multiple African countries including Nigeria, Kenya, South Africa, Tanzania, and Uganda.

Why Choose Hongzhou Smart as Your CEN/XFS Service Provider

One-Stop ODM and OEM Solutions

Hongzhou Smart provides complete turnkey solutions from concept to deployment:

In-House Manufacturing Capabilities:

• 6,800 sqm factory,professional CDM/ATM/CRM hardware design team

• Precision sheet metal fabrication

• Electronics manufacturing and kiosk assembly lines

• Professional software development team

End-to-End Service Scope:

• Custom kiosk design and cabinet fabrication

• Function module selection and integration

• Assembly and testing

• Software development and integration

• 12-month hardware warranty

• On-site technical training for client teams

Certifications and Quality Assurance

Hongzhou Smart holds multiple international certifications demonstrating our commitment to quality:

• ISO9001: Quality Management Systems

• ISO13485: Medical Devices Quality Management

• ISO14001: Environmental Management

• IATF16949: Automotive Quality Management

• UL Approved: Product Safety Certification

Global Deployments and Partnerships

Global Footprint:

• 4,50,000+ units delivered worldwide

• Active in over 115 countries(by Mar.2026）

• Strong presence in Africa, Europe, Middle East, North America, and Southeast Asia

Major Clients: Bank of China,Pingan Bank,Changi Airport Group, Buhler Group, GRG Banking,MTN,Tyme Bank,HANA Financial Group,Vodafone.

Technical Specifications