A regulatory safeguard for outsourced ledger programs on our orchestration platform. Maintains a bank-owned ledger that mirrors your partner program's system - ensuring full regulatory compliance and oversight for every embedded finance relationship.
When your bank sponsors a partner banking or embedded finance programme, your regulatory obligations do not transfer to the partner. The Digital Twin maintains a bank-owned ledger that mirrors the partner system - giving you full visibility, oversight, and audit-readiness at all times.
Real-time GL and operating account balance updates of bank-sponsored programmes - keeping your operating accounts and systems of record in permanent sync with partner activity.
Automated programme billing and sweeps based on programme-specific triggers, tiers, and thresholds - eliminating manual reconciliation at scale.
Self-service console provides visibility to intra-day balances, transactions, and exceptions - reducing back-office overhead as your programme portfolio grows.
Our Orchestration Platform automates operating account settlement between end-user accounts, programme operating accounts, and bank operating accounts - maintaining the bank's ledger as the authoritative source of record.
When a bank outsources account ledgering to a partner or fintech, regulators require the bank to maintain its own visibility. The Digital Twin mirrors the partner ledger in real-time - giving the bank independent audit capability.
As you scale from one to ten to fifty embedded finance programmes, manual billing becomes operationally impossible. The platform automates programme-level billing and fund sweeps based on configurable triggers.
Federal Decree-Law No. 6 of 2025 (effective 16 September 2025, full compliance deadline 16 September 2026) expands the regulatory perimeter to include enabling technology providers and tokenised programme operators. Banks sponsoring partner programmes must demonstrate full ledger visibility and control. The Digital Twin is specifically designed to satisfy this requirement - giving your institution the independent oversight that regulators require.