01
Time-to-market is the unit of competition
If you launch in 18 months, the segment has moved. If you launch in 24 months, you are funding a different thesis than the one your investors backed. The platform has to be live in months, not years.
Banking Journeys / For Fintechs & Neobanks
Launch a regulated banking proposition in months, not years.
CoreFi gives founders, neobanks, EMIs and embedded-finance programmes one stack: a real-time core, headless APIs, white-label channels, KYC/KYB, lending and governed AI agents. Run it yourself with a small team, or hand operations to CoreFi under a managed-platform contract while you keep the customer, the brand and the licence.
What we hear from fintech founders
Six constraints between the deck and live customers.
Greenfield fintechs, neobanks and embedded-finance programmes share a recognisable set of constraints. The proposition is clear; what runs out is calendar, capital, headcount and the appetite to bet a launch on a single integration partner.
02
Capital and headcount are tight
You cannot hire a 30-person operations, compliance and engineering team alongside the product team. The platform has to come with the operating layer attached or you spend the seed on payroll.
03
Licence-grade infrastructure without building it
You either hold a licence, run under a partner licence, or have a path to one. Either way, the auditor and the regulator will look at your core, your KYC, your AML controls and your audit trail before they look at your app.
04
Embedded finance into partner journeys
Your distribution may be your own app, a partner SaaS, a marketplace or a B2B journey. The banking layer has to plug into all of them — with scoped APIs, partner-tenant boundaries and a single audit record — without forking your stack.
05
AI from day one, with controls regulators accept
Investors expect AI in the operating model from launch. Supervisors expect to see the policy gates, the human-approval thresholds and the audit log. You need both, in the same platform, before you onboard the first customer.
06
Unit economics that scale
The pitch is operating leverage. Manual KYC reviews, manual reconciliation and per-file compliance work break that pitch. You need a platform where each new customer does not require another linear unit of operations cost.
How CoreFi answers each one
One platform — assembled, governed, agent-assisted.
CoreFi is the system of record from day one: real-time core, headless APIs, white-label channels, KYC/KYB, lending, governed AI agents and the digital-asset modules — all under one permissioning, policy and audit layer.
Core Banking Engine
Cloud-native real-time ledger, product engine and reporting layer. Accounts, wallets, multi-currency, IBAN. Your system of record from week one, with no proprietary data formats.
Headless Banking APIs
The same APIs across your app, your partner journeys and your AI agents — scoped per role, per partner and per workflow. Build the customer experience on whatever stack your team prefers.
Customer Onboarding
KYC, KYB, AML, document and consent workflows wired to the Onboarding Agent — ID parsing, beneficial-owner extraction, sanctions and PEP screens, structured review packets for the queue.
White-Label Channels
Branded mobile and web journeys in your look and tone, not a generic vendor UI. Ship the customer-facing surface without forking the platform.
AI Workflow Control Plane
Onboarding, lending, treasury, compliance and customer-service agents already wired into the core. Each runs through the seven-step lifecycle (Sense → Plan → Check → Act → Audit → Escalate → Learn) with role permissions, policy gates and human-approval thresholds.
Digital-Asset Modules
Asset Tokenization, RWA Tokenization, Stablecoin Infrastructure, Crypto Custody & Wallets and Cross-Border Payments — the modules a digital-asset-native fintech needs without bolting on a separate stack.
Where to start
Two adoption paths shaped for greenfield programmes.
All five CoreFi adoption paths are documented in /implementation. The two below are the natural fits for fintechs, neobanks, EMIs and embedded-finance programmes — depending on whether your team will run the platform or whether you want CoreFi to operate it on your behalf.
Launch New
Greenfield digital bank, neobank, EMI or BaaS programme. CoreFi is the system of record from day one — onboarding, ledger, lending, payments, channels and the AI workflow control plane all on CoreFi. First production customer in 12–20 weeks; full retail or SME proposition inside two quarters.
Use when you are building a regulated proposition end-to-end and your team can operate the platform.
Managed Platform
CoreFi-operated platform; you keep the customer, the brand and the licence. CoreFi runs infrastructure, releases, monitoring, AI workflow tuning and second-line operations under SLA. You consume the platform through APIs, white-label channels and an operations console. First customer in 10–16 weeks.
Use when you want a banking proposition live without standing up an internal core-banking and AI-operations team.
Proof
What programmes ship on CoreFi.
CoreFi customers operating direct lending books, modernized cores and tokenization programmes are published anonymized on /client-outcomes with segment, region, modules used, outcome ranges and implementation timelines — written to the same shape so a buyer can compare deployments on the same axes.
One platform, six fields per story
Segment, region, problem, modules used, outcome ranges and implementation timeline. Where contractual confidentiality applies, names are anonymized; the modules, the timeline and the outcome shape are real.
Direct digital lending, already published
A regulated financial institution running direct lending as a non-core line on CoreFi LaaS — ~40% less servicing time, ~35% lower operational cost, 36–72 month tenors fully managed end-to-end. Read the story →
Bank modernization & tokenization stories
An incumbent bank running CoreFi alongside its legacy core, and a tokenization issuer running MiCA-aligned instruments, are slotted in for publication as those customers authorize disclosure. See the story shape →
Five questions founders ask first
What the first 90 days actually look like.
Do we need a banking licence to use CoreFi?
It depends on the proposition and the path. Some customers hold their own licence, some run under a partner licence, some are establishing a permission with a regulator. CoreFi is licence-agnostic infrastructure; the regulated activity stays inside your entity (or your partner's). On Managed Platform, off-boarding terms are part of the contract so the regulated activity stays portable.
Can we run AI workflows from launch?
Yes. The AI workflow control plane is part of the platform on every adoption path. Which journeys are in scope at go-live is your call — new agents (lending, treasury, compliance) can be added later without re-architecting the platform. Every agent runs under role permissions, policy gates and human-approval thresholds; no agent has uncontrolled write access.
How does CoreFi work for embedded finance?
Headless APIs are scoped per partner and per workflow. The partner journey lives in the partner brand; CoreFi remains the system of record. Permissions, transaction limits and audit cover the partner traffic on the same control plane as your direct customers.
What about digital assets?
Asset Tokenization, RWA Tokenization, Stablecoin Infrastructure, Crypto Custody & Wallets and Cross-Border Payments are CoreFi modules — designed under MiCA and the EU regulatory frame. A digital-asset-native fintech does not need to bolt on a separate stack to issue, hold, move or settle.
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.
Plan a greenfield launch with our team.
Bring your proposition, your licensing path, the markets you serve and the size of the team you can support on day one. We will tell you whether Launch New or Managed Platform fits and what the first 90 days look like — before you commit to anything.