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Digital Banking Industry

The digital banking solution integrates traditional finance with emerging digital technologies, aligning with global trends to build a secure, compliant, and efficient full-stack digital banking platform. It covers customer channels, core ledger, virtual accounts, value-added services, investment finance, payment and settlement, and Web3 infrastructure, supporting unified management of fiat and cryptocurrencies. Through open APIs, intelligent risk control, flexible scalability, and multi-terminal access, it enables financial institutions to efficiently connect on-chain and off-chain ecosystems, meeting diverse scenarios from traditional finance to crypto assets and driving compliant innovation in digital banking.

  • Customer Channels: Supports mobile banking, online banking, and open banking APIs for multi-channel access, covering retail and corporate clients with a global service experience;
  • Core Banking System: Integrates core ledger processing, end-to-end account lifecycle management, accounting, reconciliation and settlement, compliance and risk control; supports multi-currency, multi-language, and multi-rail funds inflow/outflow;
  • Umbrella Account Management: Supports multi-level master-sub account structures, enabling unified management and trading of fiat and crypto, with built-in multi-layer risk controls;
  • Value-Added Services: Includes customer compliance management (KYC/AML/CDD) and funding rail management, enabling automated compliance checks, risk assessments, and multi-rail fund allocation;
  • Investment and Wealth: Supports subscription, redemption, dividend management, securities registration and RWA tokenization, with robo-advisory to grow wealth;
  • Payments System: Encompasses global aggregated issuing and virtual asset acquiring, supporting end-to-end payments, settlement, and FX across fiat and crypto;
  • Web3 Infrastructure: Provides virtual asset custody (hot-cold wallet separation, KYA/KYT compliance) and asset issuance systems, enabling secure storage and compliant token issuance.
  • Full-Stack Layered Architecture: Layered design across channels, ledger, accounts, payments, investment, and compliance, ensuring seamless integration of traditional and Web3 businesses;
  • Strong Compliance and Intelligent Risk Control: Covers traditional compliance (KYC, AML) and on-chain compliance (KYA, KYT), with automated checks and multi-model risk controls for global compliance and transaction security;
  • Multi-Currency and Multi-Rail Support: Compatible with fiat and major cryptocurrencies; supports global clearing networks, card schemes, and multi-rail fund flows to improve liquidity efficiency;
  • Technology Fusion and Innovation: Employs hot-cold wallet separation, smart contracts, HSM/MPC key management, balancing security, agility, and convenience;
  • Open and Scalable: Offers standardized APIs and developer tools, enabling multi-vendor collaboration, flexible customization, and system expansion for institutions of different sizes.

Success Cases