Banking
without borders
Clients, accounts, payments, lending, cards and reporting in one platform. One codebase for SaaS and on-premise, with regulatory coverage for Russia, Kazakhstan, Kyrgyzstan, Uzbekistan and Mongolia already built in.
An architecture built for regional scale
Modules of one core
Eighteen modules cover the full operating loop of a bank, from the client and the account to treasury and regulatory reporting.
Clients and KYC
One client record for individuals and businesses: documents, consents, related parties and identification level.
Digital banking
A retail online banking app, multi-signature corporate banking and an open API for partners.
Payments
Intrabank and interbank transfers, instant payments and SWIFT in a single payments module.
Lending
The full cycle, from application and scoring to delinquency, restructuring and write-off, for retail and corporate products.
Cards
Issuing and servicing debit, credit and virtual cards with real-time fraud scoring.
Limits and fraud controls
Regulatory, customer and operational limits with ML transaction scoring in under 50 ms.
Partner financing
Murabaha, ijara, musharaka and other Sharia-compliant products with their own approval committee.
AML and sanctions
Sanctions screening, beneficial owners and suspicious activity reports.
General ledger
Bookkeeping on each jurisdiction’s chart of accounts.
A new country in one integration cycle
Assess the jurisdiction
We review the regulator, payment infrastructure, and KYC and AML requirements for the specific country.
Build the country pack
Chart of accounts, payment formats, tax rules and reporting templates are assembled into one pluggable module.
Certify
We integrate and test the channel with the national payment system and file the required regulator reports.
Launch
The bank runs on the shared core alongside every other jurisdiction and receives updates through a single release train.
Every action is auditable
Role-based access, four-eyes approval and an immutable audit log run at the platform level, not inside a single module.
Learn more
- RBAC and ABAC role access with segregation of duties for critical operations
- Four-eyes approval for large payments, write-offs and limit changes
- An immutable audit log retained for at least five years
- Idempotent APIs and guaranteed event delivery through the outbox pattern
Five jurisdictions, one product
Each country gets its own chart of accounts, payment channels and reporting formats, and still updates alongside the shared core.
All jurisdictions
- Russia
- Kazakhstan
- Kyrgyzstan
- Uzbekistan
- Mongolia
Part of the A3 ecosystem
A3.Bank shares core modules with A3.MFO and A3.Insurance, so a bank, a microfinance organization and an insurer in the same group see one client profile.
Works together with
- A3.MFOA microfinance company next to the bank in one group: a shared client and the same check rules.
- A3.InsuranceInsurance products for bank clients without repeating KYC.
- A3.VeriCoreIdentity verification when a client opens an account or takes a loan remotely.
- A3.AccountingBookkeeping and tax accounting of the bank itself as an organization.
- A3.TrustCounterparty and reliability checks of corporate clients.
Shall we discuss a rollout at your bank?
We will walk through migrating from your current core, the delivery model that fits your bank and the timeline for your jurisdiction. Both SaaS and On-Premise are available, including an isolated setup with no internet access.