Manages the lifecycle of fiat currency bank accounts, including creation, administration, and real-time querying.

E.g. Query an end-customer’s balance or seamlessly add a new beneficiary to an account.

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Connects directly with payment rails to facilitate the sending, receiving, and settlement of funds via the central bank.

E.g. Execute instant payments on behalf of a customer during a point-of-sale purchase.

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Issues and administers physical/virtual cards, manages settlement with scheme providers, and supports secure tokenization.

E.g. Allow an end-customer to request and activate a physical VISA debit card.

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The foundational double-entry bookkeeping system that provides an immutable record for all modules.

E.g. Maintain a precise record of customer reward points or loyalty balances.

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Defines and automates regulatory journeys (KYC/AML) to ensure compliance with international standards.

E.g. Deploy workflows to verify identities during onboarding and monitor ongoing activity.

Provides continuous evaluation of user risk profiles and robust transaction screening/monitoring.

E.g. Automatically flag an account as "medium-risk" based on demographic or employment changes.

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Centralizes identity data management for institutional customers and their underlying end-customers.

E.g. Securely store and update primary contact info and KYC metadata for a global user base.

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Generates region-specific regulatory filings and bespoke internal reports for commercial intelligence.

E.g. Generate a periodic interest rate gap report for automated submission to a central bank.

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Provides a comprehensive audit trail by recording every request or transaction flowing through the Core.

E.g. Pull a granular history of API calls for a specific account during a security review.

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A dedicated interface for creating, assigning, and resolving operational cases (e.g., manual flags).

E.g. Route a name-screening flag to a compliance analyst for a final "Approve/Decline" decision.

Houses all private keys and supports robust column-based encryption to protect sensitive data at rest.

E.g. Ensure PII is encrypted and accessible only by authorized internal services.

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The communication gateway between the Core and customers/third-party providers via webhooks.

E.g. Trigger a transaction webhook to a third-party partner system.

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Powers the front-end banking experience for individuals, including wallets, card management, and payments.

E.g. Provide a seamless mobile app interface for a customer to manage daily spending.

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Centralizes high-level organizational settings that govern how the platform operates for a specific client.

E.g. Set the default domestic payment rail (e.g., FAST or ACH) for all outgoing payouts.

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Manages user-specific preferences and fine-grained settings at the individual end-customer level.

E.g. Empower an end-customer to set and adjust their own daily card spending limits.

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Generates engagement-layer filings and bespoke reports for operational health and user insights.

E.g. Generate a report on user engagement levels for a specific demographic.

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Records every request or interaction that passes specifically through the engagement layers.

E.g. Review the history of user-initiated setting changes to troubleshoot a support query.

An operational workflow tool for managing engagement-specific tasks and support tickets.

E.g. Raise a manual review case for a suspicious login attempt via the user portal.

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Security module for the engagement layer, housing keys for secure data encryption of user interactions.

E.g. Protect sensitive user-facing data independently of the back-end core encryption.

Primary communication gateway for dispatching SMS, Email, or Push alerts to end-customers.

E.g. Dispatch a real-time push notification to an end-user regarding a large transaction.

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