Fintech

BANKING CORE

Ciright's digital banking service core

Digital Enterprise Canopy

Core Banking Identity, Access & Control Layer

The Ciright Identity Core serves as the foundational identity, access, and control layer of the banking core, unifying customers, staff, branches, channels, devices, and infrastructure under a single secure operating framework.

BANKING CORE ALIGNMENT

Single Sign-On (SSO) for customers, employees, agents, and regulators
Role-based access control (RBAC) aligned to banking segregation-of-duties
Certificate-based authentication for: Branch systems, ATMs & kiosks, Mobile devices, POS terminals, Secure site servers for branches, data centers, and disaster recovery sites
Device identity management for fraud prevention and channel trust

Advantage: A zero-trust, regulator-ready digital banking perimeter that governs who can access what, from where, and under what authority, across the entire bank.

Enterprise API Broker

Core Banking Integration & Transaction Switch

The Ciright Enterprise API Broker functions as the central integration fabric and transaction switch of the core banking platform.

BANKING CORE ALIGNMENT

Secure routing of: Core banking transactions, Payments (ACH, RTGS, card rails), Digital channels (mobile, web, ATM), Third-party fintechs and partners
Containerized, policy-driven API gateway with: Rate limiting, Message validation, Encryption and signing, Audit logging
Supports: On-prem core systems, Hybrid cloud deployments, Sovereign data residency requirements

Advantage: A scalable, compliant, bank-grade integration layer that allows the core to evolve without re-architecting legacy systems.

Prospect Automation Engine

Customer Origination & Product Onboarding Engine

The Ciright Prospect Automation Engine operates as the digital origination layer for all banking products.

BANKING CORE ALIGNMENT

Intake and orchestration for: Retail & SME account opening, Loans and credit products, Cards and digital wallets
AI-driven rules engine for: Eligibility screening, Product matching, Risk tiering, Automated workflow routing
Integrates directly with: KYC / AML systems, Credit bureaus, Core banking account creation

Advantage: A straight-through processing (STP) engine that reduces onboarding time from days to minutes while maintaining full compliance.

Media Targeting Engine

Customer Engagement & Regulatory Messaging Layer

The Media Targeting Engine becomes the customer communications and engagement module of the banking core.

BANKING CORE ALIGNMENT

Centralized control of: Customer notifications, Product disclosures, Regulatory notices, Marketing and education campaigns
Omnichannel delivery: Mobile banking apps, Web portals, SMS and email, Branch displays and ATMs
Supports jurisdiction-specific messaging and consent rules

Advantage: A single source of truth for all customer communications, ensuring consistency, auditability, and regulatory compliance.

Loyalty Program

Banking Rewards, Points & Value Exchange Ledger

The Ciright Loyalty Program acts as a bank-controlled rewards and value exchange subsystem within the core.

BANKING CORE ALIGNMENT

Native support for: Card rewards, Transaction-based incentives, SME and merchant programs
Internal ledgering of: Points, Tokens, Cashback equivalents
Controlled exchanges between: Merchants, Partner banks, Non-competing ecosystems
Full reconciliation with: Core banking ledger, ERP and GL systems

Advantage: A regulated, auditable value-exchange layer that drives customer retention without compromising financial integrity.

KYC Onboarding Engine

Identity, Compliance & Account Creation

The Ciright KYC Onboarding Engine is the identity verification and compliance gateway to the core banking system.

BANKING CORE ALIGNMENT

Secure capture and encryption of: Personal data, Biometrics, Documents
Automated compliance checks: AML, Sanctions, PEP screening
Direct provisioning into: Core banking accounts, Loan systems, Card issuing platforms, Brokerage and mortgage systems

Advantage: A regulator-approved digital front door to the bank, eliminating paper processes and reducing fraud risk.

Peer-to-Peer Payments

Real-Time Retail Payments Module

The Ciright Peer-to-Peer Payments Engine functions as the real-time retail payments rail of the banking core.

BANKING CORE ALIGNMENT

Supports: ACH, Instant payments, Wallet-to-wallet transfers
Multi-factor authentication: Voice, OTP, Biometrics
Fully reconciled with: Core ledger, Customer accounts, Fraud monitoring systems

Advantage: A modern, real-time payments capability that keeps deposits inside the bank ecosystem.

Affiliate Referral Engine

Partner & Agent Banking Module

The Affiliate Referral Engine becomes the agent, partner, and distribution management module of the banking core.

BANKING CORE ALIGNMENT

Digital onboarding of: Banking agents, Merchants, Referral partners
Automated: Compliance checks, Commission calculations, Tax reporting
Real-time settlement via ACH

Advantage: A scalable distribution engine supporting agency banking, merchant acquisition, and ecosystem growth.

Crypto Key Engine

Cryptographic Security & Digital Asset Core

The Ciright Crypto Key Engine serves as the cryptographic backbone of the banking core.

BANKING CORE ALIGNMENT

Key generation and lifecycle management for: Transactions, Digital identities, Smart contracts, Tokenized assets
Supports: Blockchain integration, CBDC readiness, Secure custody models
Policy-driven key control aligned with regulator mandates

Advantage: A future-proof cryptographic foundation enabling digital assets, secure transactions, and sovereign-grade trust.

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