Terafin
Core Innovation

Disruptively Smart Core Innovation.

A technology roadmap that acts as an innovation layer on top of your legacy core to eliminate the need for wholesale core replacement. Launch new products, onboard customers, and move money without dependency on your core provider.

Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa
Why Core Innovation

Create new products. Improve efficiency. Increase distribution.

Our Orchestration Platform delivers the infrastructure, ledgering, and money movement you need to power modern business models. With an open approach, it gives you the flexibility, choice, and control to build new channels - without touching your existing core.

Create New Products

Introduce new deposit products, treasury management, and gig-economy focused offerings into vertical markets to capture deposits and grow fee income.

Seamless Bundling

Re-bundle accounts, payments, and cards into new business models that meet hyper-personalised markets - configured without legacy vendor dependency.

Improve Efficiency

Avoid core replacement and disruption to your banking operations through a cloud-native platform with centralised servicing and real-time settlement.

Platform Features

Powerful infrastructure. Complete control.

Feature Bundle Configuration

Configure Unique Products Without Core Dependency

Fine-grained configuration for unique products, pricing, and feature bundling by programme - without requiring a statement of work from your legacy core vendor.

  • Deposit products - consumer, SMB, commercial
  • Treasury management and commercial cash management
  • Gig-economy and niche vertical product bundles
  • Complete customer and account servicing capabilities
ModelVirtual accounts above legacy core
ProductsDeposit, treasury, commercial cash mgmt
ConfigurationNo SOW - self-service via console
HierarchySingle-tier and multi-tier structures
Payments Modernisation

Graduate from Legacy to a Modern Payment Platform

Embed payments into your modern platform with a centralised, cloud-native payment engine that provides the flexibility and scalability to meet the demands of large programmes.

  • Instant payments - real-time settlement
  • Universal payment APIs - domestic transfer, SWIFT, instant payments
  • Real-time monitoring across all programmes
  • Auto-posting across user, programme, and bank operating accounts
Payment railsDomestic transfer, SWIFT, instant payments, stablecoin
ProcessingCloud-native, real-time
MonitoringReal-time across all programmes
APIsUniversal, open, configurable
Distribution Expansion

Support Single-Tier and Multi-Tier Account Hierarchies

Launch embedded finance programmes, commercial cash management, property management banking, and more - all on a single platform with seamless payment processing.

  • Embedded finance distribution channels
  • Commercial cash management programmes
  • Property management, HOA, municipality banking
  • Seamless payment processing to all accounts
DistributionEmbedded finance + BaaS
Account typesConsumer, SMB, commercial, niche
SettlementReal-time GL to bank operating accounts
ControlBank-owned ledger at all levels

Central Bank Open Finance Readiness

The platform's API-first architecture aligns directly to central bank Open Finance mandates - enabling your institution to participate in the Open Finance ecosystem and offer virtual account products to customers without requiring full core replacement or legacy vendor timelines.

Ready to explore what's possible for your institution?

Talk to us. No commitment. Decision-grade insight in 60 minutes.

Talk to Us →
Scroll to Top