Bank on Us for Unified Global Asset Portfolios

Seamlessly manage and track client portfolios comprising fiat, commodities, digital assets, and traditional investments on a single, auditable, and real-time core.

Multi Asset Master

Modules used in this solution

Core Modules
Engagement Modules

Investments

Facilitates the construction of sophisticated single or multi-asset portfolios (ETFs, precious metals, and equities).

E.g. Create a diversified metals portfolio composed of 50% Gold, 25% Silver, and 25% Platinum.

Core Modules

Trade

Powers the direct acquisition of individual tradable assets, such as commodities, ETFs, and stocks.

E.g. Process a retail order for $50 worth of Apple (AAPL) stock.

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

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

Business

Supports corporate/SME requirements like entity accounts, payroll dispersal, and supply chain payments.

E.g. Enable a business owner to execute bulk payroll transfers via a dedicated corporate portal.

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.

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Single, Unified Ledger

Manage fiat currencies, tokenized commodities (like gold), and digital assets (e.g., crypto) as native components of the Core Banking Engine.

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Real-Time Portfolio Valuation

Provide advisors and clients with instant, accurate valuations across all held assets, eliminating latency caused by external data feeds.

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Native Commodity Management

Handle specific commodity products (e.g., tokenized gold, physical metal) with compliant tracking of reserves, custody status, and ownership records.

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Auditable Asset Segregation

Maintain clear legal and technical separation between client assets, operational funds, and different asset classes (fiat vs. digital) for robust risk management.

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Non-Repudiation Asset History

Every transfer, trade, and valuation update is logged with tamper-proof audit trails, ensuring complete transparency and regulatory defensibility.

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Compliance Reporting Feeds

Provide clean data feeds and APIs for specialized regulatory reports required for digital assets and commodity holdings in various jurisdictions.

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Consolidated Performance Reporting

Automatically generate unified client statements and regulatory reports that detail performance, allocation, and risk across all asset classes held.

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Customizable Asset Allocation

Allow advisors to easily configure and model complex client asset allocation rules and rebalancing strategies within the platform.

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Integrated Tax Lot Accounting

Support complex tax lot accounting methods for digital assets and securities, simplifying year-end reporting and capital gains calculations.

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