01
Legacy core lock-in
Shipping any new product means a 12–18 month change request through a vendor that priced the integration accordingly. The product window is shorter than the change window.
Banking Journeys / For Banks
Modernize your bank without re-platforming.
CoreFi runs a real-time core, headless banking APIs and governed AI agents alongside your legacy core. Ship one journey at a time, write back to the system of record, prove the result — and decide what migrates next when your board, your regulator and your customers are ready.
What we hear from banks
Six constraints that have stopped your last modernization plan.
Most established banks already know what they want to ship. The constraints sit elsewhere — in the legacy core, the regulator, the board, the talent market and the operating cost line. CoreFi is built around those constraints, not against them.
02
Cost-to-serve pressure
The existing book is profitable but margins are eroding. Headcount-shaped operations — KYC reviews, credit memo prep, exception handling, reconciliation — do not scale with the segment growth you are forecasting.
03
Regulator load is going up, not down
DORA, MiCA, AML6, instant payments, ESG reporting and supervisory data requests stack on top of the same engineering and compliance hours. Each new control needs evidence the supervisor will accept.
04
Big-bang migration is dead
The board will not sign a multi-year all-or-nothing replacement of the core. Neither will the auditor. Whatever modernization you propose has to be reversible until the metrics hold.
05
AI ambition without exposed data
Every executive committee has an AI line item. None of them want production customer data, ledger access or payment authority sitting behind a generic model with no policy gates and no audit trail.
06
The talent gap
You cannot hire enough AI/MLOps and core-banking engineers to run agents safely on top of your stack. Whatever you adopt has to come with the operational layer attached.
How CoreFi answers each one
Six modules mapped to the six constraints.
CoreFi is one platform — real-time core, headless APIs, governed AI workflows, audit. Each module below addresses one of the constraints above without forcing a bigger commitment than your bank can absorb.
Core Banking Engine
A cloud-native real-time ledger, product engine and reporting layer that runs alongside your legacy core. Used to host one new product, one segment or eventually the whole book — without forcing the choice up front.
Headless Banking APIs
The same governed APIs your channels, partners and AI agents call. Use them to ship a new journey on CoreFi while the legacy core remains the system of record for everything else.
AI Workflow Control Plane
Governed agents that prepare onboarding, lending, treasury, compliance and service cases under role permissions, policy gates and human approvals. The model proposes; CoreFi enforces; the human approves what policy says they must.
Lending Automation
Origination, decisioning, servicing, restructuring and collections on one platform — usable as a single new product line on a legacy bank without touching the rest of the book.
Customer Onboarding
KYC, KYB, AML, document and consent workflows wired to the Onboarding Agent. Prepares review packets for human officers; routes high-risk and edge cases to the queue.
Security & Compliance
Permissions, scoped tokens, transaction limits, customer-segment rules, jurisdictional restrictions and one immutable audit record per workflow — designed for DORA, MiCA, GDPR and supervisory review.
Where to start
Three adoption paths shaped for incumbent banks.
The five CoreFi adoption paths are documented in /implementation. Three of them are shaped specifically for banks that already have a core and a regulated book.
Modernize One Journey
Replace one product line without touching the rest. CoreFi runs the new journey end-to-end and writes back to the legacy core in near real time or nightly batch. Typical first journey live in 8–14 weeks.
Use when you want one new product live this year without a re-platforming programme.
Run Alongside Legacy
A second core for a discrete segment. Digital-only customers, SME, a new geography or a new portfolio runs on CoreFi while the legacy core stays the system of record for the rest. First segment live in 16–24 weeks.
Use when the segment economics or the regulatory frame demand a separate core, not a workaround.
Migrate Progressively
Phased core swap, never a single big-bang cutover. Each customer cohort, product line or geography migrates on a defined cutover; CoreFi and the legacy core coexist for the duration. 18–36 months end-to-end with reversible phases.
Use when the board has a mandate to retire the legacy core and the institution cannot bet on a single cutover.
Proof
What banks ship on CoreFi.
Bank-modernization stories — modules used, outcome ranges and implementation timelines — are published anonymized on /client-outcomes as customers authorize disclosure. The shape below is the one we use across every story so you can compare apples to apples.
Segment & region
Bank, lender, EMI, asset manager — without the brand name — and the jurisdiction the deployment serves (ECSPR, MiCA, PSD2, CRR perimeter).
Modules used
Which parts of CoreFi were deployed: Core Banking Engine, Lending Automation, Customer Onboarding, Headless APIs, AI Workflow Control Plane, White-Label Channels.
Outcomes & timeline
Anonymized improvements as ranges or percentage uplifts, taken from the customer's own measurement. Calendar weeks from kickoff to first production workload, plus rollout shape (pilot, parallel, phase cutover).
Five questions banks ask first
What changes inside the institution.
Do we have to migrate the whole book to use CoreFi?
No. The most common starting point is a single journey or a single segment. Modernize One Journey writes back to your legacy core; Run Alongside Legacy operates a parallel core for a defined segment. Both keep the rest of the bank where it is today. Migrate Progressively is the path if and when your board mandates a full retirement of the legacy core.
What does the regulator see?
One immutable audit record per workflow — trigger, retrieved data, model and prompt version, plan, policy outcome, API calls, ledger effects, escalations, human decisions, final state. Exportable for internal review, external audit and supervisory requests. The same record across legacy interactions and AI workflows.
How does this work with our existing core vendor?
CoreFi connects to legacy cores through APIs, file feeds and event streams. We have run alongside mainframe-era cores, modern providers and home-grown systems. We do not require a particular legacy vendor, and we do not need direct database access to the legacy core to operate.
How do AI agents stay inside our risk policy?
The agent is treated like any other operator: scoped API tokens, role permissions, transaction and exposure limits, jurisdiction rules and human-approval gates. The model proposes a structured plan; the platform runs it through policy gates before any side effect; the human approves what policy says they must.
What is the lock-in posture?
Customer, account, ledger and audit data are exportable through documented APIs in standard formats. Standard double-entry ledger model; no proprietary data formats. Each adoption path has a defined exit posture in /implementation — including Managed Platform, where off-boarding terms are part of the service contract.
Pick a first journey with our team.
Bring your current core, the journey you want live first and the constraint you cannot move (regulator, board, vendor lock-in). We will tell you which adoption path fits and what the first 90 days look like — before you commit to anything.