Banking Core
Account infrastructure for products that need banking capabilities without becoming a bank.
Banking Core provides the account and ledger foundation used to build financial products across multiple brands and jurisdictions. It connects user-facing balances, accounts, statements, treasury, and transaction history with banking, EMI, safeguarding, and account-provider infrastructure.
Record Structure
- AccountOwnership, currencies, permissions
- LedgerInternal record of every movement
- BalanceAvailable / pending / reserved
- SafeguardingPartner-held client funds
- ReconciliationInternal record vs partner statement
Core Principle
Accounts Are A Product Surface, Not A Licence
What users experience as an account is a set of balances, records, statements, and permissions. Banking Core owns that surface as shared infrastructure and connects it to banking, EMI, and safeguarding partners, so each brand can present accounts without rebuilding a ledger.
What This Core Provides
Reusable Banking Core capabilities available to FinDech products, configured per product, market, and partner model.
- Multi-currency account infrastructure
- IBAN and local account integrations
- Internal ledger and balance management
- Available, pending, and reserved balances
- Account details and transaction history
- Statements and receipts
- Safeguarding and settlement support
- Treasury and liquidity workflows
- Interest and fee configuration readiness
- Account limits and permissions
- Reconciliation infrastructure
- Banking-partner abstraction
- Account closure and funds-return workflows
- Personal and business account models
How Banking Core Works
The same sequence underneath every product that uses this Core.
Account
A personal or business account is created against a product model, jurisdiction, currency set, and permission structure.
Ledger
Every movement is recorded in an internal ledger that remains the product's own record of truth.
Balance
Available, pending, and reserved balances are derived from the ledger and exposed consistently to the product.
Safeguarding
Client funds sit with banking, EMI, or safeguarding partners under their authorizations, not with FinDech.
Reconciliation
Internal records are continuously reconciled against partner statements, with treasury and settlement workflows updated.
Where This Core Is Used
Product categories this Core is designed to support. Availability depends on the product, jurisdiction, and selected partners.
- Consumer accounts
- Business accounts
- Multi-currency wallets
- Creator balances
- Marketplace balances
- Treasury accounts
- Youth accounts
- Embedded banking products
Designed To Work With The Other Cores
Banking Core is built to be combined. Each connection below is a reusable relationship, not a bespoke integration.
Designed For Products Like These
Banking Core is intended to be reusable across the FinDech portfolio. The brands below are the products this Core is designed for — not a statement that each one currently uses it.
- MONOBANK
- Woney
- Chinatown Bank
- Paym
- Yogl
Partner And Regulatory Boundary
Where FinDech Stops And Partners Begin
FinDech is not a bank and does not hold customer funds. Accounts, IBANs, safeguarding, and settlement are provided through banks, EMIs, and other authorized account providers. FinDech develops the account and ledger technology used to connect products with those partners.
Other Cores
Build From The Core
Partner with FinDech to develop financial products using reusable infrastructure across crypto, cards, banking, payments, deals, investing, and risk protection.