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Financial infrastructure

Built for both worlds — traditional and tokenised finance.

Accounts, payments and settlement designed as one architecture.

Infrastructure, logic and configuration are kept apart, so that each can change without unsettling the others. Adapted through configuration, not bespoke code.

The Group believes accounts, payments and settlement work best as one architecture with one record.

Who it is forLicensed banks, payment and e-money institutions, custodians and the regulators and auditors who review them.

Why it matters

Accounts, payments, foreign exchange, lending and digital-asset services are still usually separate systems, often from separate providers. Each additional system adds a reconciliation, a set of books and a point of failure.

The Group’s interest

How capabilities usually bought from different providers can be designed to run on one ledger, which records every movement once, under one set of rules — so that reconciliation, audit and reporting can be replayed from it rather than assembled afterwards.

What the Group builds

IDFE, the Integrated Digital Financial Ecosystem, with FinOS as its operating system and FinKernel as its execution kernel — an IT solution for licensed institutions.

Boundaries

The Group designs and owns the architecture. It does not itself provide payment, e-money, banking or investment services; those are provided by the licensed institutions that use the platform.

Projects: IDFE · The NeoBankers

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Content last updated: 27 October 2026

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