Kinetic Core
Everything Your Core Needs
Architecture-first design with every capability a modern financial institution requires — from double-entry ledger to multi-rail payments.
Double-Entry Ledger
Every transaction creates balanced debit and credit entries automatically. Full GAAP-compliant accounting with immutable audit trails and point-in-time balance reconstruction.
Real-time balance computation across millions of accounts with sub-millisecond consistency guarantees.
| Entry | Account | Debit | Credit |
|---|---|---|---|
| TXN-29841a | Cash — Operating | $284,100.00 | — |
| TXN-29841b | Payroll Payable | — | $284,100.00 |
| TXN-29842a | Accounts Receivable | $12,500.00 | — |
| TXN-29842b | Revenue — Services | — | $12,500.00 |
FedNow / RTP / ACH / SWIFT
Access every major payment rail through a single API. Kinetic Core routes payments intelligently based on speed requirements, cost optimization, and rail availability.
Automatic fallback routing ensures payments always settle, even when a rail is temporarily unavailable.
Party & Account Management
Full KYC-integrated party management with multi-product account hierarchies. Support for individuals, businesses, trusts, and joint ownership structures.
Accounts inherit permissions and compliance rules from their parent party automatically.
Idempotent Payment Processing
Every API call is idempotent by design. Retries are safe, exactly-once semantics are guaranteed, and duplicate detection happens at the infrastructure level.
Built on Erlang's process model — each payment runs in an isolated process with crash recovery.
idem_abc123Createdidem_abc123Cachedidem_abc123CachedSavings & Loan Products
Configure interest-bearing savings accounts and loan products with flexible rate schedules, compounding rules, amortization tables, and automatic payment collection.
Product templates let you launch new savings or lending products in hours, not months.
REST API with OpenAPI 3.1
Every Core capability is accessible via a clean REST API with full OpenAPI 3.1 specs. Auto-generate clients in any language, validate requests at the schema level.
Comprehensive API reference with interactive examples and SDK support for 6 languages.
Compliance Built In, Not Bolted On
Regulatory compliance is foundational to Core — not an afterthought.
SOC 2 Type II
CertifiedAnnual audit of security, availability, and confidentiality controls. Verified by independent third-party auditor.
PCI-DSS Level 1
CompliantHighest level of compliance for payment card processing. Full quarterly vulnerability scans and annual penetration testing.
AML / BSA
AutomatedAnti-money laundering and Bank Secrecy Act compliance with automated transaction monitoring and SAR filing.