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Valorifi · Financial engineering

Pick one. The architecture below is drawn to your answer.

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Retail or business banking

  1. Interface

    What the customer touches. Built last, designed against the ledger.

    • Mobile
    • Web
    • Servicing
    • Disputes
  2. Product

    Accounts, cards and limits — the shape of the bank.

    • Accounts
    • Cards
    • Limits
    • Pricing
  3. Core ledger

    Double-entry postings. The part nobody sees and everything depends on.

    • Postings
    • Balances
    • Interest
    • Reconciliation
  4. Compliance

    In the transaction path, failing closed. Never a report written afterwards.

    • KYC
    • Screening
    • Monitoring
    • Reporting
  5. Settlement

    Where the money actually leaves. Scheme connectivity and clearing.

    • SEPA
    • FPS
    • Card scheme
    • Treasury

0 / 5 layers · built bottom-up

Names under NDA. Architecture isn’t.

SYS-02Challenger · LATAM

Retail neobank, ground up

Licence, core ledger, card programme and app delivered as one programme rather than four vendor integrations.

Licence to launch
11 mo
Accounts, year one
410k
Unit cost
$0.11

Figures indicative and subject to client clearance.

Ready when you are

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