Core Banking Application

The Core Banking Platform
for Modern Banks

Modernize your core banking in months, not years. 25 Go microservices with 350+ API endpoints — double-entry GL, enterprise treasury, trade finance with SWIFT, card issuance, agent banking, USSD, and local payment rail failover. Purpose-built for commercial and large banks. Legacy core banking platforms were built in the 1990s and carry decades of architectural debt. Kora CBA is 25 modern Go microservices with 350+ REST API endpoints — no function keys, no COBOL, no migration pain.

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Proven Results

6→2 wks

Integration time reduction

Customers report cutting payment integration time from 6 months to 2 weeks

350+

API endpoints

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

99.99%

Uptime target

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

MODULES

Run Your Entire Bank From One Platform

General Ledger (70+ Endpoints)

Double-entry accounting with multi-currency support, standing instructions, maker-checker approval, year-end closing, and 5 financial reports — trial balance, P&L, balance sheet, cash flow, and changes in equity.

Enterprise Treasury

FX trading (spot deals, swaps), money market (placements, borrowings, repos), securities portfolio management, liquidity ratios (LCR/NSFR), ALM duration gap analysis, and mark-to-market revaluation.

Trade Finance & SWIFT

Letters of Credit, Bank Guarantees, Documentary Collections, and collateral management. SWIFT message generation for MT700/701/710/711 with Alliance adapter.

Lending & Credit

Loan products, applications, credit bureau integration (national ID verification), reducing balance amortization, disbursement with GL posting, and repayment schedule generation.

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. Signed ULID transaction references.

Modernize Your Bank's Core

See how Kora CBA can replace or wrap your legacy core banking system.

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All Kora CBA Features

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)

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

The Core Banking Platform for Modern Banks

Proven Results

Run Your Entire Bank From One Platform

General Ledger (70+ Endpoints)

Enterprise Treasury

Trade Finance & SWIFT

Lending & Credit

Channels: Cards, USSD, Agent Banking

Payments & Bill Pay

Modernize Your Bank's Core

All Kora CBA Features

Proven Results

Run Your Entire Bank From One Platform

General Ledger (70+ Endpoints)

Enterprise Treasury

Trade Finance & SWIFT

Lending & Credit

Channels: Cards, USSD, Agent Banking

Payments & Bill Pay

Modernize Your Bank's Core

The Core Banking Platform
for Modern Banks