Is the ledger strongly consistent?

Yes. The ledger is event-sourced with strict transactional consistency where it matters, plus eventually consistent read replicas for analytics and reporting.

Can this support real-time payments (FedNow, RTP, SEPA Instant)?

Yes. The payments orchestration layer is designed for real-time rails end-to-end, with smart routing, retries, and reconciliation.

How does this compare to Thought Machine Vault, Mambu, or 10x?

Those are excellent platforms. We build custom when your product model, regulatory posture, or integration topology requires capability beyond a vendor-product fit — or when you want to own the platform rather than license it.

Financial Services / Core Banking Software Development

Core Banking Software Development

We engineer modern core banking software — ledger, deposits, loans, payments, and product engine — designed for cloud, API-first, and real-time. Built to coexist with your legacy core, then replace it on your schedule.

Talk to a Solution Engineer View Case Studies

Real-Time

Event-sourced ledger with strict consistency

10×

Product-launch velocity vs. legacy cores

Coexist

Strangler-fig migration — no big bang

Trusted by global innovators

Industry Overview

Core Banking Software Development: Engineered End-to-End

Banks can't afford big-bang core replacements — but they also can't afford to stay frozen on 30-year-old platforms that can't launch new products. We build modern core banking software that coexists with your legacy core from day one and takes over on a pace your risk committee is comfortable with.

Industry Challenges

What Stops Most Teams From Solving This Today

Common friction points we hear from financial services teams scoping this kind of platform.

Legacy Core Rigidity: Monolithic cores make every new product a 12-24 month project.
Batch Window Tyranny: End-of-day batch cycles prevent real-time experiences customers now expect.
Integration Debt: Decades of point-to-point integrations and middleware make change a minefield.
Replacement Risk: Full core swaps are among the highest-risk programs in banking — many fail publicly.

Our Approach

Our Engineering Approach

We engineer for the operational reality — not the demo.

Event-Sourced Real-Time Ledger

A cloud-native, event-sourced ledger that provides real-time balances and full replay for audit.

Product Engine & Configuration

A product engine where deposits, loans, and fees are configured — not coded — so product launches take weeks, not years.

Strangler-Fig Migration

The new core runs alongside the legacy core and takes over products and portfolios progressively.

Capabilities

Production-grade features the platform ships with from day one.

Event-Sourced Ledger

Immutable, replayable, strongly consistent ledger with real-time balances.

Product Engine

Configurable deposits, loans, cards, fees, interest, and reward products.

Payments Orchestration

ACH, RTP/FedNow, SEPA, SWIFT, and wire with smart routing and retries.

Customer & Party Model

Unified customer, household, and entity model with KYC linkage.

Accounting & GL Posting

Configurable posting rules, multi-GAAP accounting, and close support.

Reg Reporting & Risk

Real-time feeds for regulatory reporting, liquidity, and risk analytics.

API-First Surface

Every core capability exposed via API for front-ends and partners.

Observability & Audit

Per-transaction lineage, immutable audit log, and regulator-grade forensics.

How It Works

Reference Architecture

How data and decisions flow end-to-end.

Ledger Core

Event-sourced ledger with strict transactional consistency and real-time balances.

Product Engine

Declarative product definitions for deposits, loans, and fees — no bespoke code per product.

Payments & Integration

Payment rails, card-network, and partner integrations through a clean gateway.

Accounting & Risk

GL posting, regulatory reporting, and risk data feeds.

Coexistence & Migration

Bidirectional sync with the legacy core during the strangler-fig migration.

Engineering Stack

Technology Stack

A pragmatic stack chosen for reliability, speed, and ease of operation.

Core Services

RustGoJavaKotlingRPC

Data

PostgreSQLKafkaDebeziumTimescaleDB

Product / Workflow

TemporalOPA (Open Policy Agent)DSLs

Identity & Compliance

VaultOAuth / OIDCHSMmTLS

Payment Rails

ACHFedNow / RTPSEPASWIFTCard networks

Infra

KubernetesTerraformCloudflareActive-active multi-region

Measured Impact

Quantified outcomes from production deployments.

Real-Time

Balances — no end-of-day batch

10×

Faster product launches

99.99%+

Core availability SLO

Phased

Strangler-fig migration — zero big-bang

Mid-Sized Bank Digital Core Migration

A $40B-asset regional bank wanted to launch new deposit and lending products faster than its legacy mainframe core allowed — and without betting the bank on a rip-and-replace. We delivered a modern, event-sourced core running alongside the legacy system, starting with a new direct-to-consumer savings product.

Eighteen months in: three new deposit products launched in weeks instead of quarters, savings-product NIM rose 38bps thanks to real-time pricing, end-of-day batch time compressed from seven hours to 35 minutes, and the bank's board approved migration of the full deposit book to the new core on a two-year runway — no big-bang cutover required.

Case Study

Use Cases

Where This Earns Its Keep

Common deployment patterns we see across customers.

Digital-Native Challenger Banks

Greenfield challenger bank cores with fast product iteration.

Regional Bank Modernization

Coexistence and progressive migration away from legacy mainframe cores.

Embedded Finance / BaaS Platforms

Core banking as the backbone for BaaS and embedded finance programs.

Community Banks & Credit Unions

Modern cores right-sized for community banks and credit unions.

Lending Platforms

Loan origination, servicing, and collections on a modern ledger foundation.

Cross-Border & Multi-Currency

Multi-currency core for international and remittance-focused institutions.

Integrations

Integrates With Your Existing Stack

We connect to the systems your teams already know.

Legacy Core

Jack HenryFiserv DNAFIS IBS

Payments

Stripe

Banking Data

Plaid

Card Issuing

Marqeta

CRM

Salesforce Financial Services Cloud

Analytics

Snowflake

Compliance-First Development Services Backed by Global Standards

We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.

General Data Protection Regulation

Implement lawful consent flows, data minimization, and secure processing for global data privacy.

Service Organization Control 2

Verified controls for security, availability, and confidentiality of enterprise data systems.

Information Security Management

Adhering to the international gold standard for managing information security risks.

Payment Card Industry (PCI DSS)

Securing payment transactions and protecting cardholder data with industry-best practices.

Our Edge

Why Global Leaders Choose Us

We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.

Enterprise-Grade Security

We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.

High-Performance Scaling

Our architectures are built to handle massive data loads and user bases, ensuring seamless performance whether you're serving ten or ten million.

Accelerated Time-to-Market

Leveraging our suite of internal tools and proven frameworks, we reduce development cycles and get your product to market 40% faster.

Embedded AI Integration

Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.

Engagement Model

Predictable, structured delivery from kickoff through long-term ownership.

Discovery & Scoping

We map the existing systems, constraints, and stakeholders to scope a focused 8–12 week first delivery.

Architecture & Pilot

A working slice on a representative environment — proving the data flow end-to-end before scaling.

Production Engineering

Hardened services, observability, access controls, and audit logging go live behind your IAM.

Operate & Iterate

We stay on as the embedded engineering team — closing tickets, tuning models, and shipping new value.

Voices of Success

We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.

"I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly."

Aaron Phelan

Founder, Benchmark

"Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together."

Kim Smith

Founder, My Lauren

"Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective."

John Pasmore

Founder, Latimer

The Same Engineering Patterns, Across Other Industries

The technical patterns behind this platform translate naturally into adjacent verticals.

AI

Apply private LLM and predictive modeling to risk, compliance, and customer ops.

Energy

Trade environmental attributes and energy alongside traditional financial products.

Legal-tech

Pair contract intelligence with structured agreement management.

Frequently Asked Questions

No. The most successful programs run the modern core alongside the legacy core for years, taking over products and portfolios on a schedule the risk committee is comfortable with.

Industries