Infrastructure for Digital Banking
The technical foundation for EMI-licensed institutions. Ledgers, payments, and compliance, engineered for absolute determinism.
Launching a digital bank requires an auditor-approved ledger, regulator-approved payment rails, and an automated compliance stack. Teams routinely underestimate the engineering effort required for multi-jurisdiction CDD automation.
How FERNEL Fits Your Stack
| Your Need | FERNEL Capability | Module |
|---|---|---|
| Double-entry ledger with audit trail | Immutable append-only ledger, strict serializability | Ledger |
| SEPA payment processing | SCT, SDD Core/B2B, SCT Inst, R-transaction handling | Payments |
| KYC/KYB onboarding | Provider-agnostic verification, auto-approve thresholds | Compliance |
| CDD policy automation | Jurisdiction-aware, risk-level-driven due diligence | Compliance |
| Multi-currency wallets | Per-currency accounts, FX with rate audit trail | Ledger |
| Durable account opening | 4-step workflow: entity → accounts → IBAN → KYC | Workflows |
Where FERNEL Sits
You own the customer relationship. Fernel provides the financial infrastructure underneath, executing every transaction with exactly-once guarantees.
Launch in Months. Scale for Decades.
Talk to our team about your neobank infrastructure requirements.