Real-time Ledger
Vault Core's real-time Ledger gives banks complete control over data management. There is a strict separation between the configuration of smart contracts and the underlying Ledger. We have built Vault Core to support any bank and any product on a single ledger. All data is transmitted in and out of the Ledger in real time, providing rich data streaming for AI and reporting.
The Universal Product Engine and Ledger support a high degree of banking complexity on a single platform instance. This includes multiple banks, multiple currencies, operations teams, branches, business lines and reporting. It can differentiate between ring-fenced and committed funds.
Our Ledger can slice and dice balances into any structure while giving banks unrestricted visibility, enabling powerful and personalised real-time reporting capabilities. Banks can use AI on this data to personalise propositions for customers.
Transactions are processed in real time, with no batch processing. The Ledger is always available and accessible, and the rich data is streamed out via our Streaming API.
Banks can use the Ledger to manage sophisticated lines of funds in any asset or denomination. They can manage anything from international currencies to securities and reward points.
Our Ledger offers a flexible approach to back-book migration, making the process more efficient, faster, and less prone to errors. It also allows for the ingestion of historical customer and ledger data.
Ledger connectivity
Our real-time Ledger is always available and accessible, and the rich data is streamed out via our Streaming API. The Ledger is built to support any bank and any product and has powerful real-time reporting capabilities.
