Core Modules
Bank on Us for Secure Tokenisation and Data Protection
Implement military-grade tokenization to replace sensitive cardholder data, enabling digital wallet provisioning and achieving critical compliance standards like PCI-DSS.
Modules used in this solution
Cash
Payments
Card
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
Card
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.
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
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.
The Foundation of Secure Digital Card Issuance
Our Tokenisation module is fully integrated with the card program lifecycle, converting sensitive Primary Account Numbers (PANs) into secure, non-sensitive tokens that protect data at rest and during transaction processing.
Instant Token Generation
Generate and map tokens instantly upon card issuance, ensuring every card, physical or virtual, is secured immediately against data breaches.
Digital Wallet Provisioning
Seamlessly integrate with major mobile wallet providers (e.g., Apple Pay, Google Pay) to provision tokens, allowing customers to use their cards instantly.
Universal Token Mapping
Manage and map tokens across all processing channels and systems using a centralized hub, simplifying transaction reconciliation and analytics.
PCI Compliance and Risk Reduction
Tokenisation drastically reduces the scope of PCI-DSS compliance by minimizing the systems that handle actual cardholder data, thereby reducing the institution's fraud liability and audit burden.
PAN Vaulting and Encryption
Securely store and encrypt the original Primary Account Numbers (PANs) in a highly protected vault, isolated from the primary transaction network.
Scope Reduction
By replacing PANs with tokens across most systems, the compliance scope for PCI-DSS requirements is minimized, saving operational costs and risk.
Tamper-Proof Token Management
Ensure tokens cannot be reversed or decrypted without the master cryptographic key, preventing malicious actors from reversing tokens back into PANs.
Operational Efficiency and Lifecycle Management
Gain operational clarity by managing the lifecycle of both the card and the associated tokens, ensuring seamless transitions during card expiry, replacement, or cancellation.
Unified Data Analytics
Analyze transaction data, spending patterns, and risk across tokens and channels from a single, centralized analytics dashboard.
Automated Token Deactivation
Automatically deactivate all associated tokens when a physical or virtual card is reported lost, stolen, or expired, instantly securing the account.
Token Replacement Service
Facilitate the secure replacement of existing tokens with new ones without requiring re-provisioning of the physical card or re-engagement from the cardholder.