Core-X is a core banking platform for African banks and microfinance banks. Customers, loans, savings, payments and regulatory reports all sit on one ledger that the database itself keeps honest.
| Account | Debit | Credit |
|---|---|---|
| GL-2400 Payments in flight | 30,026.88 | |
| GL-2100 Scheme settlement | 30,000.00 | |
| GL-4400 Transfer fee income | 25.00 | |
| GL-2650 VAT payable | 1.88 | |
| Debits less credits | 0.00 – balanced | |
If these did not add up, the database would refuse to save the entry. The fee is booked as income only now, when the scheme confirmed the payment.
One ledger. Customer money, loans, plans and the general ledger are the same journal.
Rules in the database. Balancing, immutability and limits are enforced where they cannot be skipped.
One bank or many. Each bank has its own database, name and colour.
Thirteen areas, each with its own page. Cards marked as simulated run against a built-in stand-in until the real scheme or provider is connected.
Apply, approve by a second person, disburse, bill, collect, write off.
Works in the demo bankEvery application is scored with reasons. Every overdue loan gets a case.
Works in the demo bankFixed deposits, target savings and rotating savings groups.
Works in the demo bankEvery payment is scored. Watchlist matches stop and go to compliance.
Works in the demo bankDraft the reports and hold the lending limits before the regulator asks.
Works in the demo bankA real general ledger, month-end close, and bank reconciliation.
Works in the demo bankRoles, two-person approval, step-up codes and a full audit trail.
Works in the demo bankEach bank gets its own database, name, logo and colour.
Works in the demo bankAsk in plain words about an account, an alert or a payment. It reads and explains; it never moves money.
Runs on a simulator until connectedJava 21 and Spring Boot on top, PostgreSQL 16 underneath. The money rules are written as database migrations, and the application layer stays thin, so the rules are the same whichever channel the customer uses.
It ships as Docker containers, so a bank can run it on a server in its own country. Each bank is its own database, reached by its own address.
We will set up a demo bank with your name and colour, and walk your team through a loan, a transfer and a month-end.
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