Fintech
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.
Advantage: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.
Digital Enterprise Canopy
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.
Building Digital Transformation