Every deposit product, from one core
Launch current, instant-access, notice, fixed-term and tax efficient products, and goal-based saving, all from one shared set of features on a unified ledger engine. Your product teams configure them through no-code settings, so you move from idea to live deposit product in days and keep refining as rates and demand move. This is core banking software your product teams control.
Change rates in minutes, not hours. When the base rate moves, you move with it. One client cut a standard base rate product change from four hours to five minutes.
Built around the saver
Give customers goal-based pots and secondary wallets inside a single account, multi-currency balances for how they live and travel, and automated micro-savings from everyday spending. Support joint holders and tax-advantaged saving, such as a Cash ISA, through configurable limits.
Interest, your way
Configure how interest is earned and paid: daily accrual with monthly capitalisation, tiered and banded rates, bonus and stepped rates, gross or net. Schedule a rate change to take effect on a future date, and version every change so the move from one issue to the next is fast and fully auditable.
Every kind of access
Offer instant access, notice periods to manage customer expectations and your own cashflow, or fixed terms with automated maturity, renewal and rollover. Set minimum and maximum balances, deposit and withdrawal limits, and early-access rules, all as configurable features.
Adapt and combine
Because deposit features are shared, not siloed, you can combine them across product lines: offset a customer’s savings against their loan, or link a savings reward to a lending product. Reshape any live product as the market shifts, with each change contained to what you changed.