Core Banking Application

Modernize Your Core — Without the Downtime
for Modern Banks

35 microservices (32 Go + 3 Python AI/ML) with 500+ API endpoints — double-entry GL, enterprise treasury, trade finance with SWIFT, ML credit scoring, card issuance, agent banking, USSD, and multi-provider payment failover. Purpose-built for commercial banks ready to shed legacy debt.

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Executive banking dashboard with KPIs, GL journals, and payment rails

BY THE NUMBERS

Proven at Scale

Microservices

32 Go + 3 Python AI/ML — each independently deployable with its own database

500+

API endpoints

Comprehensive coverage for GL, treasury, lending, trade finance, payments, and channels

99.99%

Uptime target

Production-grade SLA with circuit breaker failover on all payment rails

Go + Python

Tech stack

Go for core banking performance, Python for ML credit scoring and AI governance

HOW IT WORKS

End-to-End Banking Modules

From general ledger to customer channels — every module connected through event-driven architecture with full audit trail.

6-module banking flow: GL, Treasury, Lending, Trade Finance, Payments, Channels

CORE MODULES

Every Banking Module, One Platform

Legacy core banking platforms were built in the 1990s and carry decades of architectural debt. Kora CBA is 35 modern microservices — no function keys, no COBOL, no migration pain.

General Ledger & Accounting

Double-entry accounting with multi-currency support, chart of accounts hierarchy, maker-checker approval, period closing, and 5 financial reports — trial balance, P&L, balance sheet, cash flow, and changes in equity.

Enterprise Treasury

FX position book with real-time P&L, liquidity metrics (LCR/NSFR gauges), ALM duration gap analysis, money market operations, and mark-to-market revaluation.

Lending & Credit Management

Full origination flow with ML credit scoring (ONNX), reducing balance amortization, risk-based pricing, disbursement with GL posting, and CBN Prudential provisioning.

Trade Finance & SWIFT

Letters of Credit lifecycle (MT700/710/707), Bank Guarantees, Documentary Collections, correspondent banking, and SWIFT Alliance adapter.

ARCHITECTURE

35 Microservices. Zero Legacy Debt.

Deploy all services or start module-by-module — scale as you grow. Each service is independently deployable with its own database.

35 microservices architecture across 4 groups

ADDITIONAL MODULES

Run Your Entire Bank From One Platform

Channels: Cards, USSD, Agent Banking

Card issuance with HSM PIN management, USSD session-based banking, and agent network with float management and commission rules engine.

Payments & Bill Pay

Internal and interbank transfers via local payment rails with circuit breaker failover. Multi-provider bill payments with automatic provider selection.

Islamic Banking

Murabaha, Mudarabah, and Ijarah products with Sharia-compliant profit-sharing and lease structures. Separate GL treatment.

AI & Intelligence

ML credit scoring, customer intelligence, predictive analytics, and AI governance. Fraud detection and identity verification powered by Python AI/ML services.

Audit & Reporting

Immutable audit trail, regulatory reporting (CBN, BOT), automated reconciliation, and real-time dashboards.

Multi-Currency & Multi-Tenant

Full multi-currency GL with revaluation. Multi-tenant deployment with per-bank configuration, theming, and RBAC.

Modernize Your Bank's Core

See how Kora CBA can replace or wrap your legacy core banking system. 35 microservices, 500+ endpoints, zero legacy debt.

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All Kora CBA Features

New in 2026 — Mortgage Banking, CDFI Lending, Wealth Management & Halal Fund Administration

Double-entry GL (70+ endpoints, 5 financial reports, year-end closing)

Deposits & savings (current, savings, fixed deposits, virtual accounts)

Lending (loan products, credit bureau gateway, amortization schedules)

US mortgage origination engine (TRID timing & tolerance-cure, ATR/QM tiered pricing, HPML/HOEPA, HMDA LAR, MISMO canonical model with ULDD/URLA/UCD/UAD projections)

CDFI lending vertical (character-based underwriting, ≥60% Target-Market test, CDFI-Fund TLR/ILR impact reporting)

Wealth & investment management (portfolios, mutual funds & bonds, CSCS custody, NAV/fund administration, financial planning)

Islamic banking (Mudarabah/Wakala deposits, Murabaha/Ijara/Musharakah financing, Sukuk, Shariah governance, Zakat)

Halal fund administration (unit-holder register, struck NAV, forward-priced dealing, profit distribution, CIS reporting)

Enterprise treasury (FX spot/swap, money market, securities, repos)

Liquidity & ALM (LCR, NSFR, duration gap, rate sensitivity, cash flow forecast)

Trade finance (Letters of Credit, Bank Guarantees, SWIFT MT700/701/710/711)

Card issuance & PIN management (HSM integration)

Agent banking (float management, commission rules engine)

USSD banking (session-based menu, balance/transfers/bills)

Multi-provider bill payments with circuit breaker failover

Fraud detection (rules engine, alerts, cases, risk scoring)

Multi-tenant with RLS, local payment rail circuit breaker failover

Modernize Your Core — Without the Downtimefor Modern Banks

Proven at Scale

End-to-End Banking Modules