Skip to main content

Financial State is Absolute. Neobanks

No partial states. No silently swallowed exceptions. Fernel provides safety-critical infrastructure enforcing strict serializability across ledgers, durable payment workflows, and compliance primitives.

Request a DemoRead the Documentation
Multi-Currency
Global Payments
Audit-Ready
Cloud-Agnostic

The "Coreless" Advantage

Three strictly isolated layers. Zero opaque runtime behavior. By minimizing the dependency surface, Fernel guarantees predictable, audit-ready financial operations that survive regulatory scrutiny.

Layer 1

The Rock

Immutable Ledger Core

Safety-Critical Engineering with zero external dependencies

Layer 2

The Brain

Durable Workflow Engine

Zero-Loss Orchestration for mission-critical payments

Layer 3

The Face

High-Performance Management

Management without Complexity

Built on a foundation of absolute stability and predictable performance

Core primitives for build financial products

Engineered for absolute state integrity. Wallets, payments, and compliance infrastructure that refuse to drift.

Developer Friendly

Built for developers who care about reliability

Integration requires predictability. Fernel exposes its internal architecture through strict REST APIs, type-safe SDKs, and exhaustive documentation designed for senior engineers.

Exhaustive Documentation

ADRs, API references, integration guides. Everything your team needs to evaluate and ship.

Fully Auditable

No black box. Your compliance team can review the architecture and verify security practices before signing.

REST API & Client SDK

OpenAPI-first design with a type-safe client SDK for predictable integration. Additional SDKs planned.

Explore Documentation
create-wallet.sh
# Create a Multi-Currency Wallet
curl -X POST https://api.fernel.io/v1/wallets \
  -H "Authorization: Bearer <token>" \
  -d '{
    "tenant_id": "acme-corp",
    "currencies": ["EUR", "USD", "GBP"],
    "type": "customer_emoney"
  }'

# Response:
{
  "id": "w_123456789",
  "accounts": {
    "EUR": "DE89...",
    "USD": "US12..."
  },
  "status": "active"
}

Built for Safety-Critical Finance

Regulators audit architecture, not marketing. Fernel embeds compliance into the infrastructure layer, minimizing operational risk through immutable data structures.

Compliance-Ready Architecture

Immutable audit trails, double-entry integrity, and tenant isolation. The building blocks auditors look for.

Minimal Attack Surface

Self-contained deployment. Minimal external dependencies. Verifiable builds.

DORA-Aligned Architecture

Architectural foundations for ICT risk management (Art. 5-15): deterministic execution, hash-chained audit, minimal dependency surface.

Predictable Performance

Consistent latency under load. No unpredictable pauses, no hidden overhead, no surprises.

Regulatory Alignment

DORA
ICT Risk Management
PSD2
Payment Services
AMLD
AML / KYC
GDPR
Data Privacy

* Fernel provides architectural foundations designed to accelerate compliance. Certification requires formal audit and customer-specific implementation.

Why Fernel

15+

Years in Fintech

Our team has built financial systems across banking, payments, and compliance since 2010.

The modern financial core. Redefined.

Core banking systems hide their flaws behind vendor lock-in. Fernel inverts this model. We provide a transparent, verifiable financial core built on absolute technical honesty. You own the architecture.

150+

API Endpoints

Wallets, payments, compliance, reconciliation. One consistent REST API covering the full financial operations lifecycle.

Ship Financial Products on a Solid Foundation.

Evaluate the architecture, review the documentation, and talk to our team about your requirements.

Request a DemoRead Documentation