Core Modules
Engagement Modules
Bank on Us for Digital Mortgage Origination and Management
Accelerate high-value mortgage approvals with automated document verification, centralized compliance checks, and flexible product structuring.
Modules used in this solution
Cash
Payments
Loan
Lending Origination System
Ledger
Compliance
Risk
Profile
Reports
Audit
Case Management
KMS
Notification
Cash
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.
Core Modules
Payments
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.
Core Modules
Loan
Supports the configuration and management of non-revolving credit products (personal, vehicle, and mortgages).
E.g. Configure a 48-month fixed-term loan product for automotive financing.
Core Modules
Lending Origination System
A specialized engine for defining credit scoring parameters and automated decisioning logic for loan applications.
E.g. Set debt-to-income thresholds to automate the approval or rejection of new applicants.
Core Modules
Ledger
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.
Core Modules
Compliance
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.
Core Modules
Risk
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.
Core Modules
Profile
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.
Core Modules
Reports
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.
Core Modules
Audit
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.
Core Modules
Case Management
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.
Core Modules
KMS
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.
Core Modules
Notification
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.
Core Modules
Retail
Behavioural
Org
Profile
Reports
Audit
Case Management
KMS
Notification
Retail
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.
Engagement Modules
Behavioural
Tracks and analyzes customer behavior to trigger automated actions based on specific user patterns.
E.g. Trigger a personalized savings tip when a user maintains a high cash balance for 30 days.
Engagement Modules
Org
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.
Engagement Modules
Profile
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.
Engagement Modules
Reports
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.
Engagement Modules
Audit
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.
Engagement Modules
Case Management
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.
Engagement Modules
KMS
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.
Engagement Modules
Notification
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.
Engagement Modules
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Streamlined End-to-End Mortgage Workflow
Our platform automates the document-intensive, multi-stage mortgage process, significantly reducing origination costs and time-to-close through integration with valuation and title services.
Automated Document Verification
Use intelligent document processing (IDP) to instantly verify borrower documents, pay stubs, and financial statements, drastically cutting manual review time.
Centralized Product Structuring
Configure complex mortgage products (ARMs, fixed-rate, balloon payments) with precise control over interest rates and amortization schedules.
Seamless Third-Party Integration
Connect directly to property valuation services, title companies, and credit bureaus to automate data gathering during the application phase.
Long-Term Regulatory Adherence and Data Integrity
Manage the extended regulatory lifecycle of a mortgage with built-in disclosure automation, comprehensive fair lending controls, and tamper-proof data archiving.
Automated Disclosure Generation
Generate and track all necessary federal and state disclosures (e.g., Loan Estimate, Closing Disclosure) automatically based on product changes.
Fair Lending Monitoring
Continuously monitor loan application data for potential discriminatory patterns to ensure adherence to fair lending laws.
Tamper-Proof Data Archiving
Securely archive mortgage files for decades, ensuring regulatory compliance with long-term data retention requirements.
Advanced Servicing and Portfolio Risk Management
Handle complex servicing events, including escrow management, adjustable rate changes, and loss mitigation, while monitoring portfolio health in real time.
Automated Escrow and Tax Management
Automate the calculation, collection, and disbursement of escrow funds for taxes and insurance, ensuring compliance and preventing service errors.
Portfolio Risk and Analytics
Gain a real-time overview of portfolio health, tracking key metrics like delinquency rates, prepayment speeds, and geographical risk concentration.
Mid-Term Adjustment Engine
Efficiently process mid-term loan modifications such as refinances, loan assumptions, and adjustable rate adjustments while maintaining perfect ledger integrity.