The Eight Cores
Six financial infrastructure domains and two cross-core principles designed to power independent financial products across different markets, providers, and regulatory structures.
What A Core Is
Reusable Technology, Not A Regulated Service
A Core is a reusable technology domain or cross-product architecture principle. Six Cores define financial infrastructure; Risk Shield defines shared protection; AI-Native Connectivity defines external AI interaction. Cores are not standalone regulated financial services. Where required, products connect to appropriately authorized providers.
All Cores
Digital Assets
Crypto Core
Digital-asset infrastructure for products that need crypto without becoming crypto infrastructure companies.
- Custodial and non-custodial wallet integrations
- Stablecoin payment and settlement rails
- Fiat on-ramp and off-ramp connectivity
+9 more capabilities
Card Programs
Cards Core
Card infrastructure shaped around the product—not around the processor.
- Physical and virtual card issuance
- Consumer and business card programs
- AI-agent and scoped-purpose cards
+11 more capabilities
Accounts And Ledger
Banking Core
Account infrastructure for products that need banking capabilities without becoming a bank.
- Multi-currency account infrastructure
- IBAN and local account integrations
- Internal ledger and balance management
+11 more capabilities
Money Movement
Payments Core
One orchestration layer across payment methods, providers, countries, and brands.
- Bank-transfer initiation
- Card payment acceptance
- Payment links
+15 more capabilities
Structured Transactions
Deals Core
Infrastructure for creating, funding, proving, completing, and recording transactions between counterparties.
- Deal and transaction-room creation
- Counterparty invitations
- Payment requests and QR codes
+12 more capabilities
Asset Access
Investing Core
Shared infrastructure for investment discovery, execution, positions, assets, and portfolio experiences.
- Asset catalog and discovery
- Instrument and market-data normalization
- Asset detail pages
+13 more capabilities
Cross-Core Principles
Risk Shield defines shared protection across financial actions. AI-Native Connectivity defines how external AI systems discover and access products, under explicit user control.
Cross-Core Protection
Risk Shield
Protection before restriction.
A shared financial-safety layer that can warn, verify, delay, review, restrict, or block sensitive actions before they create user harm.
- Pre-action risk evaluation
- Contextual scam and fraud warnings
- Beneficiary and destination checks
+12 more capabilities
AI Interaction
AI-Native Connectivity
Built for humans. Connected to AI.
Products designed for discovery, connection, and authorized action through external AI assistants and agents, alongside web and mobile experiences.
Architecture principle · Integrations introduced per product
- Machine-readable product discovery
- Standardized APIs and AI connectors
- Authorized actions with user control
+9 more requirements
FinDech Connects Products With Financial Infrastructure
FinDech is the technology and infrastructure layer. Where a financial activity is regulated, it is performed by appropriately authorized partners — not by FinDech.
Product
Brand-specific customer experience, market, proposition, and business model.
01
FinDech Cores
Shared technical, product, integration, orchestration, and safety infrastructure.
02
Regulated Partners
Banks, EMIs, issuers, processors, custodians, brokers, payment institutions, CASPs, and other authorized providers where required.
03
Networks And Markets
Payment rails, card networks, blockchains, exchanges, banking systems, and investment markets.
04
FinDech is a financial technology and infrastructure company. It is not a bank, exchange, custodian, or broker, and it does not claim regulated status it does not hold. Where a financial activity is regulated, it is performed by appropriately authorized partners.
Build From The Core
Partner with FinDech to develop financial products using reusable infrastructure across crypto, cards, banking, payments, deals, investing, risk protection, and AI connectivity.