Core Banking Engine for Fintech Platforms
Core Banking is a modular engine designed for fintech platforms that need full control over accounts, transactions, and compliance.
It provides the operational backbone required to launch, scale, and manage regulated financial products without dependency on closed banking systems.
Comprehensive Account & Ledger Management
Manage multi-currency accounts and internal ledgers within a single core banking system.
Support fiat and digital currencies with clear balance segregation, transaction states, and reconciliation logic.
Build flexible account structures for B2B, B2C, and platform-based financial products.
Transaction Processing Engine
Process financial transactions across internal accounts with full lifecycle control.
Handle authorizations, settlements, reversals, and ledger updates in real time.
Ensure consistent transaction logic across all products and user flows.
API-First Core Banking Architecture
Integrate core banking functionality into your platform via a unified API layer.
Expose account, transaction, and balance data securely to internal and external services.
Enable fast product development without coupling business logic to a closed system.
Compliance, Controls & Risk Management
Embed compliance rules directly into the core banking layer.
Apply KYC, KYB, AML, limits, and transaction monitoring at account and ledger level.
Maintain full audit trails and regulatory transparency across all operations.
Real-Time Insights & Operational Control
Monitor account activity, transaction flows, and system performance in real time.
Gain full visibility into balances, risks, and operational metrics from a single dashboard.
Make data-driven decisions with complete control over financial operations.
Scalable & White-Label Ready Infrastructure
Scale your core banking system as transaction volumes and client base grow.
Launch fully white-label financial products under your own brand.
Avoid vendor lock-in while retaining long-term architectural flexibility.
What Is Core Banking
Core banking is the foundational system that manages accounts, balances, transactions, and financial logic inside a fintech or banking platform.
It acts as the system of record for all monetary operations — tracking who owns funds, how balances change, and how transactions are processed across the platform.
Unlike front-end applications or payment interfaces, core banking operates at the infrastructure level, ensuring consistency, accuracy, and regulatory readiness.
Core Banking vs PSP vs Payment Gateway
A core banking engine is not a payment gateway and not a PSP. A payment gateway focuses on accepting payments (cards, wallets, bank transfers). A PSP connects merchants to payment methods and acquirers. Core banking manages internal accounts, ledgers, balances, and transaction states before and after payments occur. Core banking sits above payment providers and below user-facing products, orchestrating how money is stored, moved, and accounted for across the system.
What Core Banking Controls
- With a core banking engine, platforms control:
- Account creation and lifecycle
- Internal ledgers and balance management
- Transaction processing and state management
- Compliance rules and verification flows
- Reconciliation and reporting logic
This allows fintech platforms to scale, remain compliant, and avoid dependency on closed banking systems.
Why Core Banking Matters for Fintech Platforms
Without a core banking layer, platforms rely on fragmented PSP logic and external systems.
With core banking, they gain full ownership of financial operations, flexibility in integrations, and a future-proof foundation for growth.
Who Core Banking Is Built For
Fintech Platforms
Build and operate regulated financial products on top of a flexible core banking engine. Maintain full control over accounts, balances, transaction logic, and compliance workflows from day one.
EMIs & Neobanks
Launch and scale digital banking products with a modular core that supports multi-currency accounts, ledgers, and regulatory requirements. Avoid dependency on closed banking systems and legacy infrastructure.
PSPs & Payment Infrastructure Providers
Extend your payment stack with a core banking layer to manage client accounts, settlements, and internal balances. Enable multi-tenant, white-label setups for merchants, platforms, and partners.
Embedded Finance Products
Power embedded financial services inside marketplaces, SaaS platforms, and digital ecosystems. Manage accounts, funds movement, and compliance without building core banking infrastructure from scratch.
How Core Banking Drives Platform Growth
FPEhub Core Banking acts as the operational backbone that enables fintech platforms to scale, optimize, and expand without architectural constraints.
Operational Efficiency
Automate account lifecycle management, transaction processing, and compliance workflows to reduce operational overhead and human error.
Client Experience & Reliability
Deliver fast, consistent, and secure financial services across products while maintaining full control over balances and transaction states.
Revenue & Product Expansion
Design flexible fee models, launch new financial products, and monetize accounts, transactions, and services without relying on external PSP logic.
Global & Multicurrency Scale
Operate across markets with support for multicurrency accounts, international payments, and localized compliance requirements.
How a Fintech Platform Scales with Core Banking
FPEhub Core Banking provides the infrastructure layer that enables fintech platforms to scale operations, expand into new markets, and maintain full control over financial logic as transaction volumes grow.
Unified Account & Ledger Layer
You implement a multi-currency account and ledger system that centrally manages balances, conversions, and internal settlements across users, merchants, and regions.
Consistent Transaction Logic Across Products
All payment flows — cards, bank transfers, crypto rails — are processed through a single system of record, ensuring consistent transaction states before and after execution.
Compliance Embedded at Core Level
KYC, KYB, limits, and transaction controls are enforced directly within the core banking layer, allowing compliant scaling across regulated markets without rebuilding logic.
Operational Visibility & Control at Scale
Real-time analytics provide full visibility into balances, transaction flows, and platform activity, enabling informed decisions as volumes and complexity increase.
How to Acquire Core Banking
Launch your core banking infrastructure through a structured onboarding process.
Initiate the Discussion
Submit a request and share your platform model, target markets, and regulatory scope. We analyze your requirements at architecture level.
01
Define the Core Banking Setup
Together we define account structures, ledgers, compliance logic, integrations, and deployment model based on your business goals.
02
Launch & Scale
Deploy your core banking layer, connect products, and scale operations with full control over accounts, transactions, and compliance.