Banking infrastructure for software companies

The programmable layer between your product and the banking world.

One API for payment initiation, bank-specific validation, secure delivery, status events and account data — without embedding bank complexity in your ERP or SaaS product.

Explore the platform ↗⌘ View developer model

ONE integration surfaceMULTI bank railsISO native models

ORCHESTRATION LAYEROneBank Core

ERPD365 / BCConnected

APITreasuryConnected

BNKNordicsHealthy

BNKEuropeHealthy

JSON inISO 20022 nativeEvent driven

PAYMENTSSTATUSSTATEMENTSVALIDATIONCONNECTIVITYCERTIFICATESOBSERVABILITY

OPERATIONS, REIMAGINED

See the entire bank layer from one control surface.

Connections, payment state, acknowledgements, inbound files, exceptions and certificate health should be observable in one place — not hidden across jobs, folders and bank portals.

Explore the control plane →

CONTROL TOWER

Live payment operations

Network healthy

PROCESSING124payments

DELIVERED98.7%today

ATTENTION3rules

DK / SFTPpain.001 accepted · 8s agoSE / APIcamt.053 received · 22s agoDE / EBICScertificate renewal · 2d

INTELLIGENT ORCHESTRATION

Your product speaks one language. The platform handles the rest.

Separate your application contract from changing bank specifications, local practices and transport protocols.

01Canonical payloadREST / JSON

02Policy engineSchema + rules

03Bank profileFormat + channel

04Secure railTransmit + trace

FORMAT INTELLIGENCEpain.001.001.09

17  <CdtrAgt>
18    <FinInstnId>
19      <BICFI>DABADKKK</BICFI>
20    </FinInstnId>
21  </CdtrAgt>
22  <RmtInf>...

✓

Schema validISO structure accepted

PASS

✓

Bank profileRequired fields present

PASS

Remittance lengthAdjusted to target bank limit

AUTO-FIX

BANK-AWARE VALIDATION

Catch problems before the bank does.

Technical XML validation is only the first layer. Apply product rules, bank profiles and channel constraints before a payment leaves your platform.

Schema and ISO 20022 checks
Bank and country-specific rule profiles
Pre-flight warnings and deterministic auto-fixes
Structured rejection reasons back to your UI

CERTIFICATE VAULT

Credentials without the spreadsheet.

Central lifecycle view for certificates, SSH keys, signing material and channel secrets.

Nordic SFTPExpires in 184 daysHealthy

EBICS signing keyRotated 21 days agoHealthy

Sandbox

POST /v1/payments
{
  "account": "acc_dk_1042",
  "currency": "EUR",
  "amount": 18450.00,
  "execution_date": "2026-09-16"
}

202 ACCEPTED
{
  "payment_id": "pay_8F41K",
  "state": "validated",
  "next": "delivery"
}

143ms

COVERAGE EXPLORER

One model. Multiple rails.

⌕ Search bank or country

DK3 railsSE4 railsNO3 railsDEEBICSNLAPIGBSFTP/API

SFTPEBICSREST APISOAPWeb services

FULL-LIFECYCLE OBSERVABILITY

Every payment becomes a traceable event stream.

Move beyond file-level logging. Correlate request, transformation, transmission, acknowledgement and statement events against one payment identity.

Correlation IDsWebhooksRetriesAudit trail

TRACEpay_8F41KFull lifecycle

✓

Payment receivedCanonical payload · 13:42:08.121

+0ms

✓

Validation complete14 rules evaluated · 13:42:08.169

+48ms

✓

Bank message generatedpain.001.001.09 · 13:42:08.216

+95ms

Awaiting bank acknowledgementChannel: SFTP · transmission complete

LIVE

BUILT TO DISAPPEAR INSIDE YOUR PRODUCT

Your interface. Your customer. Infrastructure underneath.

Use the platform as embedded infrastructure. Keep your own onboarding, workflows and commercial model while the bank layer operates behind your product boundary.

Multi-tenantWhite-label readyAPI-firstPartner model

yourproduct.app / payments

Payment batch #1042

Ready for approval

27 payments€ 184,520.00

Bank layer running invisibly

OPERATOR EXPERIENCE

Operate the bank layer like modern infrastructure.

Search connections, replay events, inspect a payment trace or jump directly to a bank profile from one keyboard-first operating surface.

⌘ K searchReplay-safeAudit aware

Command CenterSearch anything in the bank layer

⌘ K

⌕ Search payments, banks, connections or events…

RECENT↗Open payment tracepay_8F41K◎Inspect connectionNordic SFTP↻Replay webhookevt_72AE⌁View bank profileSE / Corporate

PAYMENT

pay_8F41K

StateAwaiting acknowledgement

RailSFTP

Latency143 ms

BANK MESH

Connection topology

18 active routes

OBCOREDKSFTPSEAPIDEEBICSNOWSNLAPI

Healthy18 connections5 transport types

CONNECTION INTELLIGENCE

See the topology, not just the files.

Model every bank relationship as a live connection with its own channel, credentials, capabilities, health and operational history.

01Connection healthAvailability, latency and last successful exchange.02Capability profilesPayments, statements, acknowledgements and supported rails.03Operational contextCertificates, incidents and trace history in the same object.

RESILIENCE BY DESIGN

Failures become states — not mysteries.

Make outages, expired credentials, rejected messages and delayed acknowledgements visible as actionable operational states.

Operational feedLast 24 hours

HIGH

Certificate expires soonDE / EBICS signing key · 6 days remaining

DONE

Delayed acknowledgement recoveredSE / API · auto-retry successful

INFO

New bank profile deployedDK / Corporate payments · v4.2

BUILD THE BANK LAYER ONCE

Turn bank connectivity into infrastructure.

A technical concept for software vendors, finance platforms and enterprise products.

Start the conversation ↗