Modular core banking where agents and humans share one system of record — under the same controls.
Complete as a conventional core; agents when the bank is ready. Built for institutions that must defend every decision to a regulator.
Conventional cores bolted AI on later. New Banking Product treats agents as first-class actors — same identity, entitlement, and audit as people.
People can always run the bank end to end. When AI acts, it uses the same identity, permissions, approvals, and immutable audit trail.
Enter beside the incumbent core through Connector — adapters, rails, and migration tooling. Expand or replace on the bank’s terms.
License and deploy what you need. A bank can run trade finance against an existing core and derive full value — then add modules without re-platforming.
Every deployment ships on a common Foundation plus four mandatory platform modules. Licensable modules stand alone or compose into a full core.
Party and customer, general ledger and financial control, products and pricing, and tooling to bring a product to market.
Cases, exceptions, approvals, disputes, and complaints shared across modules.
Statements and correspondence, document management, and scheduled batch work.
Identity, entitlement, and the immutable audit trail for every actor — person or agent.
Adapters to incumbent cores, standards-based rails, and migration tooling for coexistence and cut-over.
Adopt high-impact capabilities early — including while still running on your existing core.
Digital-first journeys with automated IDV, orchestrated KYC/CDD, screening and risk scoring, corporate/SME ownership resolution, and instant account set-up — plus perpetual KYC.
Configurable decision engine with bureau, open banking, and alternative data — affordability, risk-based limits and pricing, STP with referral, and decline explanations.
Control and traceability are properties of the runtime — not features layered above it.
Every action traces from instruction through reasoning to ledger effect — indifferent to whether the actor is a person or an agent.
Registered models with versioned prompts, tools, and sources. Decisions are deterministically replayable — oriented to SS1/23 and SR 11-7.
Data residency and sovereignty where required, with alignment to GDPR, NDPA, POPIA, and equivalent regimes.
Configurable reporting, AML/CFT monitoring, and AI conformance evidence for supervisors and auditors.
Every install is a dedicated platform stack owned by one infra-owner. Banking tenants share that stack under isolation. There are exactly two commercial models.
The institution is the infra-owner and the sole banking tenant on a dedicated stack — with residency and segregation appropriate to that estate.
An operator runs the dedicated stack and hosts many banking tenants under shared controls — for consortium programmes and Banking-as-a-Service.
Commercial terms follow the modules: pay for Foundation, the mandatory modules, and the licensable modules you deploy. Expand by adding modules — not by renegotiating a platform.
Adopt a module beside your core — or explore a full platform conversation.