/ Platform

Every primitive a regulated bank needs — composable, audited, API-first.

Six core modules, one event bus. Adopt the whole platform or wrap your existing core — every service runs in your VPC, hosted by us, or fully on-premises.

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LG
/ 01 · Module

The ledger

Double-entry, multi-currency, deterministic. Built for banks that need point-in-time audit, not just "eventual consistency".

/ Double-entry
Every posting has a counterpart
No orphan entries, no balance drift. Atomic across accounts, currencies and books.
/ Multi-currency
160+ ISO currencies, ISO 20022
Native FX postings with audit-traced rates. Sub-account hierarchies up to 8 levels deep.
/ Idempotent
Replay-safe by design
Every API call carries an Idempotency-Key. Replays return the original result for 24 hours.
/ Point-in-time
Audit any balance, any date
Bi-temporal store with as-of-now and as-of-then queries. Regulators love it.
Postings / sec
42,000
p95 commit latency
8 ms
Currencies
163
PY
/ 02 · Module

Payments & rails

Direct connections to the rails that matter — orchestrated, monitored, reconciled. No screen-scraping, no faxed cover letters.

/ EU
SEPA, SCT Inst, TIPS
Direct EBA participation or through partner sponsorship. Sub-10s instant settlement.
/ Global
SWIFT GPI, MT/MX
Full ISO 20022 message support. GPI tracking baked into webhooks.
/ US
FedNow, ACH, RTP, wires
US dollar rails via partner banks. SameDay ACH + 24×7 instant.
/ UK
Faster Payments, BACS, CHAPS
Direct Pay.UK access through sponsorship. Confirmation of Payee included.
CD
/ 03 · Module

Cards

Issue physical and virtual cards on Mastercard or Visa under your BIN or ours. Tokenization, controls, disputes — handled.

/ Issuing
Physical & virtual
Plastic, metal, dynamic CVV virtual. Apple Pay & Google Pay provisioning out of the box.
/ Controls
Spend rules engine
Per-MCC, per-merchant, per-geography, per-time spend caps. Velocity rules in milliseconds.
/ 3DS
3-D Secure 2.2
Risk-based authentication. Frictionless flow for low-risk transactions.
/ Disputes
Chargeback workflow
VAT-aware evidence collection, automated representment, scheme reason-code mapping.
KY
/ 04 · Module

KYC & AML

Identity verification, sanctions & PEP screening, transaction monitoring. Bring your own vendor or use our default stack.

/ Onboarding
Individuals & entities
Document, liveness and address proof. UBO traversal for corporates up to 4 layers.
/ Screening
Sanctions, PEP, adverse media
Continuous re-screening with delta-only alerts. Auditable disposition workflow.
/ Monitoring
Rule + ML
Author rules in YAML, model scoring per transaction. Alert triage in the ops console.
/ Vendors
Bring-your-own
Onfido, SumSub, Veriff, ComplyAdvantage, Refinitiv, ChainAnalysis — pre-wired.
AP
/ 05 · Module

Apps & SDKs

Pre-built customer portals and apps you can rebrand in days — or build your own on our SDKs and keep our backend.

/ Customer portal
Web + iOS + Android
White-label apps with theming via JSON tokens. Source-available for tier Scale & up.
/ Ops console
For your back office
Customers, accounts, cards, alerts, journeys, complaints, audit logs.
/ SDKs
Typescript, Swift, Kotlin
First-party SDKs with offline-first session, push-tokenized auth, and a typed event bus.
/ Theming
Brand it your way
Tokens, type pairings, motion presets — preview in our designer or commit JSON yourself.
RG
/ 06 · Module

Regulatory & reporting

The reports regulators actually ask for — generated, signed, archived. Built for DORA, MiCA, PSD2/PSD3 and beyond.

/ Periodic
COREP, FINREP, CRS
Automated extraction, schema-validated, ready for regulator upload.
/ Ad-hoc
SAR, STR, fraud loss
FIU-formatted reports with evidence packs. One click to file.
/ Operational
DORA incident register
ICT incident classification & reporting, vendor concentration, RTO/RPO metrics.
/ Tax
FATCA, DAC2, DAC7
Customer due-diligence flagging and annual extracts. Multi-jurisdiction aware.
Pick your starting point

Adopt one module. Or all of them.

Every module is independently priced and licensable. Start with cards, add payments later — or take the whole platform on day one.

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