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Case Studies

Real deployments, real outcomes. See how teams are building with Kinetic.

Apex Digital Bank

NeobankKinetic Core
Challenge

Launching a full-stack digital bank from scratch on legacy-free infrastructure

Outcome

Live in 8 weeks with FedNow, RTP, and ACH enabled from day one

Key Metrics
  • • $0 in migration costs
  • • 8-week launch
  • • 3 payment rails at launch
In Their Words

"Kinetic gave us the confidence to launch knowing our ledger was correct by design."

ClearPath Lending

Lending PlatformKinetic Core + Flow
Challenge

Replacing a monolithic core system that couldn't scale with loan volume

Outcome

Scaled from 1,000 to 50,000 active loans without re-architecture

Key Metrics
  • • 50K active loans
  • • 99.97% uptime
  • • Real-time interest calculation
In Their Words

"The Erlang-based ledger handles concurrency exactly how a lending system needs."

PayVoy

BaaS PlatformKinetic Flow
Challenge

Building a multi-tenant payment platform for SaaS companies embedding payments

Outcome

Processed $12M in first quarter with zero reconciliation errors

Key Metrics
  • • $12M processed Q1
  • • Zero reconciliation errors
  • • Sub-100ms API p99
In Their Words

"The idempotency built into every payment operation eliminated a class of bugs we had accepted as normal."

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