Terafin
The Platform

Our Orchestration Platform

Cloud-native. Bank-controlled. Built to innovate above your core. Our orchestration platform eliminates the need for complex and costly core replacement - a capability layer that is additive to your existing bank systems: resilient, elastic, and disruptively smart.

Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa
The Technology Dilemma

Why legacy core systems are a growth roadblock.

The inability to expand to new products and distribution channels on current platforms is the defining constraint for traditional banks in Middle East and Africa today.

Inability to Innovate

Hardened legacy platforms limit the ability to introduce new products, payments, and use cases. Every change requires a statement of work and months of vendor engagement.

High Cost to Maintain

Legacy systems bundle the high costs of private data centres, proprietary payment and card services, and large personnel costs - a direct roadblock to growth.

Built for Branches, Not Digital

Legacy core systems were designed when branch banking was the primary channel - never architected for the API economy, real-time payments, or multi-channel delivery.

Economics That Don't Work

The fixed costs of legacy infrastructure make the unit economics of new digital product launches unviable - forcing banks to compete with one hand tied behind their back.

The Platform Difference

Composable banking. Delivered above your core.

Our orchestration platform provides composable accounts, payments, and cards to meet the demands of modern digital experiences - implemented above your core to efficiently grow your business without disrupting live operations.

Architecture

Cloud-Native. No Private Data Centres.

Our orchestration platform is elastic, resilient, and disruptively smart. Deployed above your core banking system as an additive capability layer - no disruption to live operations, no dependency on legacy vendors for access.

  • API-first architecture with universal payment APIs
  • Configurable without a statement of work
  • Fine-grained product, pricing, and fee configuration by programme
  • Real-time visibility at all levels of the account hierarchy
Deploy modelAbove-core, additive
ArchitectureCloud-native, API-first
LedgerImmutable, real-time, bank-owned
IntegrationStandard APIs, no SOW required
ComplianceFull audit trail, regulator-ready
Products

Accounts. Payments. Cards. On One Platform.

Our orchestration platform enables a multi-channel, multi-product strategy with accounts, payments, and cards - all on a single platform under bank control. Start with one product or deploy the full stack.

  • Virtual accounts above legacy core - consumer, SMB, commercial
  • Unified payment engine - domestic transfer, SWIFT, instant payments, stablecoin
  • Card issuance - virtual and physical, co-branded by programme
  • Automated settlement and reconciliation in real-time
AccountsVirtual ledger, unlimited sub-accounts
PaymentsReal-time, wire, instant, stablecoin
CardsVirtual & physical, co-branded
SettlementAutomated GL, real-time balances
Digital TwinBank-owned mirror ledger

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