A Real-Time API Layer for Your Core, Without Replacing It
A thin, real-time, two-way integration layer that reads and writes directly to your core, so every product we build sits on live data, not an overnight batch file.
- Reads and writes go to the core directly, not to a mirrored dataset refreshed on a schedule.
- Account opening, digital banking, and analytics all read the same live state.
- Your core remains the system of record; nothing downstream claims that role.
Talk to our engineering team about your core and configuration.
How the integration layer is built
The layer is thin by design: it handles transport, orchestration, and access, and leaves the ledger where it already lives.
Real-time, two-way
Reads and writes go through the API as they happen, rather than being collected into a file and applied later. There is no window in which a downstream product is operating on yesterday's state.
Your core stays the system of record
No duplicated source of truth is created. Balances, postings, and account status are read from the core, and writes are applied to it, so reconciliation is against one ledger.
Bank-owned data environment
A private data lake, owned by the bank, holds the data your team needs for reporting and analytics, with direct access for your own analysts and tooling.
What the layer provides
Three components, each with a concrete mechanism behind it.
Real-time, not batch
Account creation, transactions, and status updates flow through the API as they occur. Where a core's native interfaces are limited or slow to extend, the layer normalizes what is exposed and handles retries, idempotency, and error surfacing so downstream products see one consistent contract.
One orchestration layer
A single orchestrator unifies core data with connected services (KYC, credit bureau, external account aggregation) into one customer profile. Each product reads that profile instead of maintaining its own siloed copy and its own set of vendor connections.
Your data, in your environment
A private data lake gives your team direct query access for custom reporting, without being constrained to the reporting surface your core exposes. Access is scoped by role and the environment is the bank's.
How a core connection runs
Four steps, starting with your specific environment rather than a generic template.
- Step 01
Technical discovery call
We map your core, its version, the interfaces available in your configuration, and any middleware already in place. Output is a concrete integration scope, not an estimate against a reference architecture.
- Step 02
Connect the real-time middleware layer
The layer is configured against your environment for real-time reads and writes, inheriting the limits, product codes, and rules already defined in the core.
- Step 03
Validate data flow and reconciliation
Reads, writes, and error paths are exercised against non-production data first, then reconciled against the core so your team can verify the ledger matches before anything is customer-facing.
- Step 04
Build products on top of the same integration
Account opening, digital banking, and analytics are added on the connection that is already validated, rather than each one negotiating its own path to the core.
Integration characteristics
Questions engineering teams ask us
How is this different from a batch or file-based integration?
A file-based integration exports state on a schedule and applies changes later, which means downstream systems are always operating against a snapshot and any error surfaces after the fact. Here each read and write is an API call at the moment of the event, with per-call error handling, retries, and idempotency keys, so a failed write is visible immediately rather than found during the next reconciliation.
Does this duplicate or replace the core as system of record?
Neither. The core remains the system of record for balances, postings, and account status. The layer does not maintain a competing ledger. The separate data lake is a read environment for reporting and analytics, populated from the same events, and is never treated as authoritative for transactional state.
Which cores are supported?
We integrate at the API and middleware level rather than binding to one vendor's model, and we confirm support per core, per version, and per configuration. Rather than publishing a list that may not match what your installation actually exposes, we validate against your environment in technical discovery and tell you exactly what is and is not available.
How are data security and compliance documentation handled?
Data is encrypted in transit and at rest, access is scoped by role, and actions are logged with timestamp and actor. SOC 2 and PCI documentation, along with insurance documentation, are available on request for your vendor review process.
What is the technical timeline for a core connection?
It depends on the core, the version, the interfaces enabled in your configuration, and your internal change process, so we scope it during technical discovery rather than quoting a figure that would not hold for your environment. What we can commit to up front is the sequence: discovery, connection, validation against your ledger, then product build.
Talk to our
engineering team
A technical deep dive with the people who build the integration. We walk through your core, its interfaces, and how the layer reads and writes against it.