The Bank
Full-service core banking for the deeper layer: loans, savings, payments, KYC, compliance, credit scoring, staff operations, and multi-tenant ledger.
One ecosystem
Profile, wallet, and bank profile work together
The wallet is the daily student surface. The bank profile is the auditable financial learning layer. The operating bank keeps deeper controls, rails, and institutional workflows separate.
Financial Overview
Real-time banking metrics
System Health
98%
UPTIME
Banking Services
Full-stack banking operations
Wallet Activation
Onboard new banking customers with role-based access
Loan Products
Apply, approve, and manage loan applications
Savings & Deposits
Open savings accounts, CDs, and recurring deposits
Payment Rails
Process tuition, fees, and course purchases
KYC Verification
Identity verification and compliance workflows
Compliance & AML
Monitor alerts, SAR rules, and sanctions screening
Credit Scoring
FICO-aligned AI credit assessment with SHAP
Staff Portal
Bank employee operations and role management
General Ledger
Chart of accounts and double-entry audit trail
Multi-Tenancy
District and school isolation with partition routing
Reserve Bank
Reserve operations, governance, and system health
Architecture
Modeled after Apache Fineract + Open Bank Project
┌──────────────────────────────────────────────────────────────┐
│ CUSTOMER CHANNELS │
│ Web Portal │ Mobile App │ SofAI Agent │ API/SDK │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ OPEN BANKING API LAYER (OBP v5.1) │
│ 550+ endpoints │ OAuth2/PKCE │ PSD2/XS2A │ Consent │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ CORE BANKING ENGINE │
│ Loans │ Savings │ Payments │ Ledger │ Credit │ Compliance │
│ KYC │ Staff │ Tenancy │ Scheduler │ Audit │ Scoring │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ DATA LAYER │
│ PostgreSQL │ 16,384 shards │ Hash-chain audit │ Encrypted │
└──────────────────────────────────────────────────────────────┘