The software layer for teams building modern financial products.
We are not a bank. We are the AI-native technology platform — ledger, treasury, FX, and rail-connectivity infrastructure — that regulated fintechs and licensed institutions run on. Enterprise-grade software, Canadian-engineered, modular by design.
Provable, replayable, boring.
Every credit and debit is a versioned event. Reconcile against the same source of truth your partner bank sees. Replay the full history in seconds, roll a corrective transaction, and keep your auditor's Slack channel quiet.
- Event-sourced double-entry ledger
- Idempotency and replay by default
- Line-level audit trail
- Programmable reconciliation rules
One ledger, many currencies, honest pricing.
Hold and move balances across the currencies your customers actually use. FX pricing is orchestrated across multiple liquidity partners under one API — you route by mid-market, spread, latency, or your own rules.
- USD, CAD, GBP, EUR, INR, PKR, AED, and more
- Multi-partner FX orchestration
- Rule-based routing (spread / latency / partner)
- Locked quotes with expiry
Rail integrations, wrapped in one API.
Cross-border wires, EU and UK real-time rails, and domestic Canadian instant payments — behind a single, versioned interface. Same idempotency keys, same webhook contract, same SDK types.
- Cross-border wire integration
- EU + UK real-time rail integration
- Canadian domestic real-time rails
- One webhook contract across all rails
KYB, KYC, and AML software your compliance team owns.
Not a black-box scoring engine. Configurable modules for identity, business verification, sanctions screening, and transaction monitoring — with a full audit trail your compliance officer runs, not us.
- KYB / KYC verification workflows
- Sanctions and PEP screening
- Transaction-monitoring rule engine
- Case-review workspace for your team
Ready to build on the stack?
Book a 30-minute walk-through with the engineering team — no salespeople, just the people who ship the surface.