# One core under every app - CorebankOS

> Retail mobile, business mobile, web banking and the backoffice run on a single cloud-native core - one ledger, one set of rules, one contract.

Source: https://corebankos.com/solutions/one-core

## One core under every app.

Retail mobile, business mobile, web banking and the backoffice run on a single cloud-native core - one ledger, one set of rules, one contract.

- **4 apps** on one core, with zero glue code between them
- **99.99%** published uptime on the core, measured monthly
- **<200 ms** p95 API latency across EU regions
- **6 weeks** from signed contract to the App Store

## Built once. Shared by everything.

Customers, accounts, products and limits live in one place. Every app reads and writes through the same APIs - so a change in the backoffice is live in all four apps at once.

```http
# One call - the same endpoint powers all four apps
POST /v1/accounts
Authorization: Bearer sk_live_••••

{
  "customer_id": "cus_8f2a41",
  "product": "current_eur",
  "channel": "business_mobile"
}

→ 201 Created   ledger entry posted in 38 ms
```

- One customer record across retail and business
- One product catalogue, priced per segment
- One event stream for every downstream system

## Everything a bank needs, already wired.

Every capability below ships in the core on day one - switched on per product, not integrated per app.

- **Real-time ledger**: Double-entry, event-sourced and balanced to the cent on every posting.
- **Payments & rails**: SEPA Instant, SEPA, SWIFT gpi and card schemes behind one routing layer.
- **Cards issuing**: Virtual and physical debit and credit cards with live controls.
- **FX & multi-currency**: Hold, convert and pay in 30+ currencies with transparent rates.
- **Onboarding & KYC**: Retail and business onboarding with document, liveness and UBO checks.
- **Compliance & AML**: Screening, monitoring and case management built into every flow.

## The backoffice is the same product.

Your ops team works on the same core the customers use - customers, transactions, risk and approvals in one place, with a full audit trail.

- Roles and four-eyes approvals on sensitive actions
- Risk flags raised before settlement, not after
- Every action exportable for your auditors

## Run it where your regulator wants it.

- **Multi-tenant**: Fastest path to launch. Isolated data, shared infrastructure, EU regions.
- **Dedicated**: Your own single-tenant stack, managed and upgraded by us.
- **Your cloud**: Deployed into your AWS, Azure or GCP account under your controls.
- **Hybrid**: Keep an existing core for legacy products while new ones run on ours.

## Questions, answered.

The short answers. Our architects will happily go deeper on a call.

### Do we have to replace our existing core?

No. Many banks start with new products on CorebankOS and keep legacy products where they are. The hybrid setup syncs customers and balances both ways.

## One core. Your brand on top.

Walk through the architecture with our team and see the four apps running on your brand before the call ends.