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🔄 In Development · 2026 Roadmap

Modern Core Banking

The End of COBOL. The Beginning of the Future.

A cloud-native, API-first core banking platform designed to replace legacy systems such as COBOL mainframes, Temenos T24, and Flexcube. Ready for open banking, with built-in compliance and drastically lower total cost of ownership.

The Problem with Legacy Core Banking

COBOL is more than 60 years old, yet it still powers many of the world's most critical banking systems. Banks spend millions per year just keeping mainframes alive while experienced COBOL developers retire and new features become increasingly difficult to ship.

  • Mainframes with unsustainable maintenance and licensing costs.
  • Vendor platforms like T24 and Flexcube with extreme complexity.
  • Upgrades that take months or years and require code freezes.
  • Integration with fintechs and third parties that is painful or impossible.

Banks deserve better—a core that is API-first, compliant by design, and built for gradual migration instead of big-bang rewrites.

Snapshot

Stage
2026 roadmap, early adopter program
Purpose
Replace COBOL cores, T24, Flexcube with modern core
Built for
Banks needing gradual, low‑risk migration
01

Our Vision

  • Cloud-native, but able to run on-premise where regulation demands.
  • APIs as first-class citizens for every operation.
  • Compliance built in from day one, not added as an afterthought.
  • Native support for open banking (PSD2/PSD3) and beyond.
  • Gradual migration paths from COBOL and vendor cores.
  • Total cost of ownership that is a fraction of traditional solutions.
02

Planned Features

API-First

REST and gRPC APIs for all core operations, with strong versioning and observability.

Cloud-Native

Kubernetes-native deployment with on-premise options for sensitive regions.

Multi-Currency

Native support for multiple currencies and FX, with robust constraints.

Multi-Jurisdiction

Built-in regional compliance, including reporting obligations and data residency.

Open Banking Ready

PSD2/PSD3 compliance by design, not via bolt-on adapters.

Infra-UCE Integration

Real-time compliance checks via Infra-UCE rulepacks for every critical operation.

Legacy Migration Tools

Assisted migration from COBOL, T24, and Flexcube with adapters, reconciliation, and parallel run support.

03

Roadmap

  • Phase 1 (Q2–Q3 2026): Architecture, MVP, and first integration with Infranotes.
  • Phase 2 (Q4 2026): Beta product with early adopters in production-like environments.
  • Phase 3 (2027): General availability, full migration tooling, and a rich ecosystem of adapters.

Interested in being an early adopter for Modern Core Banking?

Register your interest to get early access, roadmap updates, and priority onboarding for pilot programs.

Register interest