v4.2 — Real-time payments rail (FedNow & SEPA Instant) now in GA
Core banking platform · v4.2

Launch a bank
in weeks, not years.

MCoreBank is the white-label core that powers neobanks, EMIs and fintechs. Ledger, payments, cards, compliance and apps — one API, audited from day one.

Uptime SLA
99.99%
Time to go-live
6–12 wks
Daily ledger throughput
12.4M txns
Powering banks & fintechs in 42 markets
NNorthwind EMI FFjord Pay AAtlas Credit TTilde Capital MMeridian Bank KKestrel.io
/ 01 · Modules

One platform. Every primitive a bank needs.

Adopt the whole stack or wrap your existing core — every module is API-first and independently licensable.

See the full platform
LG
Ledger
Double-entry, multi-currency. Real-time balances, deterministic posting, point-in-time audit.
Multi-currencyIdempotentSQL-grade
PY
Payments
SEPA, SWIFT, FedNow, ACH, FPS and on-chain rails — orchestrated, monitored, reconciled.
SCT InstSWIFT GPIFedNow
CD
Cards
Issue physical and virtual cards on Mastercard or Visa. Tokenization, 3DS, controls, disputes.
MastercardVisa3DS2
KY
KYC & AML
Identity, sanctions, PEP, ongoing monitoring. Plug-in providers or use our default stack.
OnfidoComplyAdvantageSumSub
AP
Apps & portals
Customer iOS & Android, ops console, admin portal — themed to your brand or fully replaceable.
White-labelThemingSDKs
RG
Regulatory
Transaction monitoring, CRS / FATCA, regulatory reporting, complaints, audit trails.
COREPCRSSAR
/ 02 · Architecture

A core that doesn't get in the way.

Composable services on a single event bus. Run our hosted cloud, your VPC, or fully on-premises — same surface, same SLAs.

Read the architecture brief
/ 03 · Path to go-live

From contract to first transaction in 6–12 weeks.

A repeatable launch path — we've done it 38 times. Your timeline is mostly your regulator's.

Week 1–2
Discover
Product workshops, rail selection, BIN sponsorship, regulatory mapping, integration scope.
Week 2–5
Configure
Tenant provisioning, ledger setup, branded apps, KYC vendor wiring, sandbox issued.
Week 4–8
Certify
Mastercard / SEPA certification cycles, UAT, penetration testing, regulator dry-runs.
Week 6–12
Launch
Production cutover, customer onboarding, 24×7 on-call, growth program.
/ 04 · By the numbers
Annual settled volume
€ 38 B
Across all tenants, FY24
Production tenants
38
In 42 markets & counting
API p95 latency
120 ms
Trailing 30 days, EU-W
Time-weighted uptime
99.992 %
Last 12 months
/ 05 · Built for your model

One core. Four operating models.

EMI / Payment Institution

Issue IBANs, wallets and cards under your own license.

From safeguarding accounts to settlement files — everything regulators expect, on day one.

IBAN ISSUANCE SCREEN
/ 01
Dedicated IBANs
Personal & corporate IBANs across EUR, GBP, USD, CHF. SCT Inst out of the box.
/ 02
Safeguarding
Automated daily reconciliation with named safeguarding partners. Auditor-ready.
/ 03
PSD2 strong auth
FIDO2 + biometric step-up. Open banking AISP/PISP endpoints exposed cleanly.
Neobank · Fintech

Ship an app before you ship an org chart.

White-label iOS & Android apps, ops console, KYC and cards — themed to your brand, owned by your team.

CUSTOMER APP SHOT
/ 01
White-label apps
Pre-built customer apps you can rebrand in days. Or build your own on our SDKs.
/ 02
BaaS partners
Plug into our sponsor-bank network if you don't hold a license — operate under ours.
/ 03
Growth tooling
Referral, rewards, BNPL and savings primitives shipped as opt-in modules.
Bank · Core modernization

Wrap your legacy core. Migrate when you're ready.

Run MCoreBank as a side-car on T24, Finacle or DB2 mainframes. Re-platform product lines one at a time.

MIGRATION DASHBOARD
/ 01
Side-car deploy
Event-sourced replication from your legacy core. Read-only first, then dual-write.
/ 02
On-prem option
Bring your own Kubernetes. Air-gapped images, signed releases, your KMS.
/ 03
Regulator-ready
SR 11-7, EBA outsourcing guidelines, DORA — documentation pack included.
Digital-asset platform

Plug regulated fiat into your crypto stack.

Named IBANs, instant settlement, segregated client money and MiCA-aligned reporting.

FIAT/CRYPTO BRIDGE
/ 01
Named IBANs
One IBAN per customer — reduces reconciliation drift, satisfies travel-rule attestations.
/ 02
MiCA reporting
CASP-grade transaction monitoring, asset-segregation reporting, prudential dashboards.
/ 03
On/off-ramps
SEPA Instant in, USD wires out. We handle the rail; you handle the chain.
/ 06 · For builders

An API your team will actually want to use.

Idempotent, versioned, webhook-driven. OpenAPI 3.1 with first-class TypeScript, Python, Go and Kotlin SDKs.

Read the docs Get a sandbox key
1# Issue a virtual card against an existing wallet
2curl https://api.mcorebank.com/v1/cards \
3  -H "Authorization: Bearer $MCB_KEY" \
4  -H "Idempotency-Key: 7c1d-aa31" \
5  -d '{
6    "wallet_id": "wlt_8821",
7    "type":      "virtual",
8    "currency":  "EUR",
9    "controls":  { "daily_limit": 50000 }
10 }'

11# → 201 Created
12{ "id": "crd_3F71x", "status": "active", "pan_last4": "7741" }
/ 07 · Compliance & certifications

Audited the way regulators expect.

Security trust center
ISO 27001
Information security mgmt
SOC 2 Type II
Continuous audit · 2025
PSD2 / SCA
EU strong customer auth
DORA
EU operational resilience
MiCA
Digital-asset reporting
Talk to a banker, not a bot

Ready to white-label a bank?

30-minute scoping call. We'll tell you in writing whether MCoreBank is the right fit — or who is.