One platform under every product you run
A real-time ledger, a governed integration layer and reporting that reads the same data your customers see.
Core ledger
One real-time ledger for every product and entity.
Every transaction posts double-entry the moment it arrives. Balances are current for tellers, apps and finance at the same time, so there is nothing to reconcile between channels.
- Double-entry posting with immutable journals
- Multi-entity and multi-currency by design
- Intraday balances and end-of-day close in minutes
- Full audit trail from channel request to journal line
Integration layer
REST, events and ISO 20022 messaging out of the box.
Connect card switches, payment schemes, credit bureaus and digital channels through governed interfaces rather than point-to-point scripts.
- Versioned REST APIs with consent and rate limits
- Event streams for every posting and state change
- ISO 20022 and legacy message adapters
- Sandbox that behaves like production
Data and reporting
Regulatory and management reports from posted data.
Reports read the same ledger that served the customer, so figures agree with the books. No overnight copy into a separate warehouse is needed for standard returns.
- Central bank and regulatory returns from live data
- Management dashboards by branch, product and entity
- Export to your own warehouse on a schedule or by event
- Lineage from every report line to its journals
Security and trust
Controls built in, evidence ready when auditors ask.
Role-based access, maker-checker approvals and encryption are part of the core, not add-ons. Deployment can run in your cloud account, in a private cloud or on premises.
- Maker-checker on every sensitive change
- Encryption in transit and at rest, customer-held keys
- Segregated environments and tenant isolation
- Exportable audit evidence for ISO 27001, SOC 2 and PCI DSS programmes