You have heard the pitch before: rip out the legacy core, replace it with a cloud-native one, ship in 18 months. The board didn't sign, the auditor didn't sign, or the cutover slipped. CoreFi is designed to support a different shape — a real-time core, headless APIs and governed AI agents that run alongside the legacy core, journey by journey, with documented coexistence and a defined exit posture at each step.
Logical model, deployment shapes, integration surface and security boundary — walked through in sequence.
Most CIOs in regulated banking, lending and embedded finance know what good looks like. What they cannot do is bet the institution on a single cutover, accept a proprietary data lock-in, or hand customer data to AI agents without controls. CoreFi is designed to support modernization within those three guardrails — not against them.
The 24-month all-or-nothing core swap is a programme risk no auditor will sign off any more. Whatever you adopt has to run alongside the legacy core, with documented data flows in both directions and reversibility at each phase.
CoreFi runs alongside mainframe-era cores, modern providers and home-grown systems — through APIs, file feeds and event streams — without requiring direct database access to the legacy core.
The platform has to expose the same governed APIs to your channels, your partners and your AI agents — scoped per role, per partner and per workflow.
CoreFi's Headless Banking APIs are designed to support exactly that pattern: scoped tokens, partner-tenant boundaries, transaction and exposure limits, and one audit record across every call.
You cannot let a generic model touch production customer data, ledger access or payment authority without policy gates, scoped permissions and an audit trail.
CoreFi treats every agent like any other operator: scoped API tokens, role permissions, transaction limits, jurisdiction rules and human-approval thresholds. The model proposes a structured plan; the platform runs it through policy gates before any side effect.
CoreFi is one platform, deployed under your security model, exposing one governed API surface. The detailed architecture — deployment topology, data flows, security boundaries, integration patterns — is documented in /architecture. The summary below is what your enterprise architects ask first.
A real-time ledger, product engine and reporting layer with standard double-entry semantics. Multi-currency, multi-entity, multi-jurisdiction. No proprietary data formats; exportable through documented APIs.
The same governed APIs across channels, partners and agents. Scoped tokens, role permissions, transaction and exposure limits, jurisdiction rules, one audit record per call.
The Sense → Plan → Check → Act → Audit → Escalate → Learn lifecycle for every agent. Policy gates, human-approval thresholds, immutable audit record per workflow.
Permissions scoped to the workflow, not the user. Customer-segment rules, jurisdictional restrictions, transaction limits and one immutable audit record — designed to support your institution's DORA, GDPR and supervisory-review obligations.
API, file-feed and event-stream integration patterns. CoreFi writes back to the legacy core where it remains the system of record, or operates as the system of record for the scope you migrate.
Service-level objectives, structured logs, audit export and an operations console — designed to support both your platform team and CoreFi's second-line operations under a managed-platform contract.
Modernization is a sequence of bounded, reversible decisions — not one big bet. Each CoreFi adoption path has a defined integration shape, a defined coexistence window with the legacy core and a defined exit posture. The full detail lives in /implementation and /migration-coexistence.
One product line on CoreFi, writing back to the legacy core through APIs or event feeds. First journey live in 8–14 weeks. The rest of the bank stays where it is.
A discrete segment — digital-only customers, SME, a new geography — runs on CoreFi as a parallel core. First segment live in 16–24 weeks. Two systems of record, one audit envelope.
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.
Short answers below; the sections above and the linked pages carry the detail. Anything not covered here is what the briefing call is for.
No. CoreFi integrates through APIs, file feeds and event streams, writing back to the legacy core where it remains the system of record. The integration patterns are documented in /migration-coexistence.
Through the same governed APIs a human operator would use: scoped tokens, role permissions, transaction limits, jurisdiction rules and human-approval thresholds, with policy gates between the agent's plan and any side effect. One immutable audit record per workflow.
Customer, account, ledger and audit data are exportable through documented APIs in standard formats; there are no proprietary data formats. Each adoption path in /implementation carries a defined exit posture.
Bring your current core, your integration surface, your security model and the migration path your board has authorized. We will walk through where CoreFi sits, how the coexistence layer works, what the AI agent perimeter looks like and what the first 90 days deliver — with your enterprise architects in the room.
Part of the Executive Buyer Room — briefings for every role at the table →