The operating core
The basic banking cycle, from a client and an account to a payment and a ledger entry.
- Clients and KYC
- Accounts
- Payments
- General ledger
- Regulatory reporting
- Users and access control
What's already in the platform
Eighteen modules cover a bank’s entire operating perimeter, and all of them run in all five jurisdictions.
The platform runs in all five countries
Russia, Kazakhstan, Kyrgyzstan, Uzbekistan and Mongolia: each jurisdiction has its own chart of accounts, payment channels, KYC rules and mandatory regulatory reporting wired in.
Lending, deposits and cards
The customer-facing product layer built on top of the operating core.
- Lending
- Deposits
- Cards
- Cash operations
- Digital banking
Treasury and compliance
Capabilities for larger banks and full regulatory compliance.
- FX and treasury
- Product catalog
- Limits and fraud controls
- PCI DSS compliance
- Partner financing
- AML and sanctions
What keeps evolving
New jurisdictions
A country beyond the current five connects through its own country pack, with no rework of the platform core.
Regulatory updates
Reporting forms and ratios update as regulators change them across all five countries.
Ecosystem integrations
New credit bureaus, payment systems and shared A3 platform modules plug in without touching the core.
Want to see the whole platform
The API documentation and knowledge base are open to partners discussing a rollout.