Not a Bank. The OS for Finance.
FintraOS is a Composable Financial Intelligence Engine. We replace "dumb pipes" with a thinking, active nervous system that turns raw data into autonomous financial action.
1. Ingest
We normalize chaos. From Open Banking APIs to platform webhooks and market data, Connect ingests millions of signals and unifies them into a single, strict schema.
2. Transform
Data becomes insight. Our Intelligence Engine runs deterministic rules and ML models in real-time to build a high-fidelity "Financial Twin" of every user.
3. Automate
Insight triggers action. Pulse emits "Smart Events" that wake up your application to move money, alert users, or rebalance portfolios automatically.
Time-to-Intelligence
Reduce development time from years to weeks. Stop building "dumb pipes" and start shipping autonomous features.
Context-Aware AI
Safe, deterministic context for your LLMs. Guard ensures your AI agents only access what they are permitted to see.
Don't just read about it.
Run the code.
FintraOS isn't a dashboard. It's a programmable financial intelligence layer. Query any financial life as easily as you query a database.
Connect Sources
Bank feeds, accounting software, or crypto wallets.
Run Models
Apply solvency, risk, and cashflow engines.
Get Intelligence
Receive structured, actionable JSON.
Core Engine & Modules
FintraOS is not a monolithic database. It is a composable system of specialised engines working in unison.
Intelligence
The 'Moneymaker' Philosophy. While Connect and Core are commodities, Intelligence transforms raw data into high-margin utility.
Stream Processor
Reacts in milliseconds. Handles Rules, Categorisation, and Threshold Alerts instantly.
Async Engine
Thinks in minutes. Handles Forecasting, Pattern Recognition, and Global Model Training.
Enrichment Refinery
Resolves merchant strings to global entities and detects recurring subscriptions automatically.
Connect
Ingest everything. Universal intake for Banks, Platforms (Uber/Shopify), and Market Context. Features 'Webhooks-as-Data' to turn any event into a financial signal.
Explore Connect→Core
A high-throughput Event Sourcing engine. Strictly typed, immutable, and audit-ready with sub-50ms read latency for constructing the 'Financial Twin'.
Explore Core→Guard
Policy-based access control with 'AI Context Scoping'. Acts as a firewall for LLMs, ensuring agents only see data they are legally allowed to access.
Explore Guard→Vault
Long-term archival and simulation engine. Run 'What-If' scenarios on historical data to demonstrate value or backtest strategies.
Explore Vault→Views
Product-ready APIs (REST & GraphQL) and aggregate analytics. Visualise not just single users, but entire cohort behaviours.
Explore Views→Pulse
Real-time event delivery. Triggers 'Smart Rules' that execute money movements or nudges automatically based on system events.
Explore Pulse→Win-Win Intelligence
FintraOS creates value on both sides of the transaction.
Strictly Typed Financial Intelligence
Legacy financial infrastructure is built on loose JSON blobs and fragile string matching. FintraOS utilises strict types, deterministic state machines, and mathematically verified transitions.
// FintraOS Unified Ledger Schema
type Account = {
id: ID;
state: AccountState; // strictly typed state machine
identity: IdentityRef;
positions: Position[];
risk_profile: RiskProfile;
};
// Pure, deterministic state transitions
const transition = (
current: Account,
event: Event
): Result<Account, Error> => {
// Logic verified by formal methods
return Ok(nextState);
};The Infrastructure of Finance
FintraOS acts as the universal translation layer. We ingest messy, fragmented data from the old world, normalise it into a perfect financial graph, and stream it to the future.
FintraOS
CORE ENGINETailored for
Every Sector
The Universal Banks Strategy
Stop the deposit flight to fintechs. Augment your legacy core to launch autonomous 'Smart Banking' features that actively improve your customers' financial health.
Liquidity-Aware Sweeps
Predicts short-term cash needs and automatically moves idle cash into high-yield products.
Life-Event Detection
Identifies major moments (marriage, relocation) to trigger timely, relevant product offers.
Churn Prediction
Detects competitor testing behaviours (e.g., small transfers to Revolut) before the relationship is lost.
Smart Debt Consolidation
Proactively identifies external high-interest debt and offers internal consolidation loans.
SME Cashflow Forecasting
Built-in 12-week rolling cash flow projections for your business banking clients.
Subscription Command
Single-view management and one-click cancellation of recurring SaaS and media payments.
Eco-Impact Tracker
Calculate carbon footprints from transaction data to engage values-driven customers.
Loyalty Tiering
Auto-unlock premium perks (lounge access, rates) based on total relationship value.