Infranotes

Banking-as-a-Service. Reimagined.

Launch financial products without building infrastructure from scratch. Real-time payments, immutable ledger, and built-in compliance through native Infra-UCE integration.

What Is Infranotes

Infranotes is a complete BaaS (Banking-as-a-Service) platform that enables fintechs, banks, and enterprises to launch financial products quickly—without the years of development and millions in investment traditionally required.

Built with an API-first architecture, Infranotes integrates with the world's major payment rails and includes compliance by default via Infra-UCE. Every transaction can be validated against deterministic rulepacks, with signed attestations for regulators and auditors.

Snapshot

Use cases: BaaS, embedded finance, payment platforms
Best for: Fintechs, banks, enterprises in regulated markets
Integration: gRPC / REST APIs, legacy wrapper, Infra-UCE

Platform Components

Real-Time Payment Gateway

Payment rails supported today

SEPA Instant (Europe) — no value limit.
PAPSS (Africa) — Pan-African Payment and Settlement System.
Buna (Middle East) — Arab Regional Payment System.
SARIE (Saudi Arabia) — Saudi Arabian Riyal Interbank Express.
RTP (USA) — Real-Time Payments.
FedNow (USA) — Federal Reserve instant payment service.

Immutable Ledger

Integrity & auditability

Double-entry validation (GAAP/IFRS compliant).
Hash chain for immutability (SHA-256/SHA-384).
Currency and FX constraint validation.
Complete and verifiable audit trail.

Accounts, Wallets & Cards

Product building blocks

Multi-currency accounts and digital wallets.
KYC/AML integration hooks for onboarding.
Configurable limits, controls, and risk policies.
Virtual and physical card issuing with PCI DSS-compliant tokenization and rich controls (velocity, geography, MCC).

Legacy Wrapper & Compliance Adapter

Integration & compliance

Integration with existing banking systems via adapters.
Support for legacy formats and phased migrations.
Native Infra-UCE integration with pre- and post-checks around each transaction.
Signed attestations with UETR linking and fail-closed logic.

Architecture, Performance & Security

Technical Architecture

Backend core in Go.
Infra-UCE compliance engine in Rust.
PostgreSQL 17 as primary datastore.
S3-compatible object storage (MinIO/AWS).
Event-driven messaging (compliance.checked / failed).
gRPC as primary API with REST via grpc-gateway.
Observability with OpenTelemetry, Prometheus, Grafana.
Kubernetes deployment with Helm charts.

Performance & Security

10,000+ TPS in compliance checks.
<100ms p95 latency for payment validations.
99.95% uptime target.
mTLS for service-to-service communication.
Per-tenant encryption keys and immutable audit logs.
Fail-closed semantics—errors block operations.

Ready to launch your financial product? Talk to us for an Infranotes demonstration.

Schedule a Demo