Core

The Financial Graph

A high-throughput Event Sourcing engine. Strictly typed, immutable, and audit-ready with sub-50ms read latency for constructing the 'Financial Twin'.

Kafka

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The "Immutable Ledger" Philosophy

Traditional banking systems are fragile snapshots. Core is built on Event Sourcing. The current state of a user's finances is simply the aggregation of their entire history.

Audit Everything: Replay, rewind, and debug any state change since Day 1.

Time Travel: "What was my Net Worth on March 14th, 2021?" Core answers instantly.

Resilience: If the database fails, we rebuild the entire financial graph from the immutable event log.

The Financial Twin

Core maintains a real-time graph of the user's financial life.

Balance Sheet Engine: Aggregates Assets (Crypto, Cash, Property) vs. Liabilities (Loans, Cards).

Cashflow Engine: Tracks the velocity of money—Income Stability, Burn Rate, and Free Cash Flow.

Identity Graph: Links wallets, accounts, and manual assets to a single "Human" entity.

Industrial Scale

Architected for the next generation of Fintech giants.

High Throughput: Built on Go and Kafka to handle millions of concurrent ingestion events.

Sub-Millisecond Latency: In-memory caching ensures your dashboard loads instantly.

Global Compliance: Native support for multi-region data residency and GDPR "Right to be Forgotten."

The Normalisation Engine

Data comes in messy. It leaves pristine. Core ingests chaotic vendor schemas (Plaid, Yapily, CSVs) and transmutes them into the FintraOS Open Standard (FOS).

The "Rosetta Stone" of Finance

Unified Transaction Model: One schema for a Crypto swap, a Card swipe, and a Mortgage payment.

Currency Normalisation: All values are stored in native currency + normalised USD/GBP/EUR for global aggregation.

Liability Inversion: We standardise debt representation so your math is always right.

Identity Merging

Core handles the complexity of merging financial lives. When a user links a new bank, or merges a partner's profile:

01. Lock: We atomicity lock the profile.

02. Replay: We replay historical events from the new source into the main graph.

03. Deduplicate: We strip duplicate transactions across overlapping accounts.

04. Unlock: The user sees a unified view instantly.

Real-Time Wealth Engine

Wealth isn't static. Core recalculates it every second.

The Revaluation Job

Your user's Net Worth changes even when they don't spend.

Market Impact: When Bitcoin drops or the S&P 500 rises, Core updates portfolio values in real-time.

FX Fluctuations: Holds Yen? We adjust the home-currency value as exchange rates shift.

Property Indexing: We adjust real estate equity based on local market index data.

The Snapshot System

We capture the "End of Day" state for every account, forever. This powers the beautiful "Net Worth over Time" charts that investors love.

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The "Immutable Ledger" Philosophy

Traditional banking systems are fragile snapshots. Core is built on Event Sourcing. The current state of a user's finances is simply the aggregation of their entire history.

Audit Everything: Replay, rewind, and debug any state change since Day 1.

Time Travel: "What was my Net Worth on March 14th, 2021?" Core answers instantly.

Resilience: If the database fails, we rebuild the entire financial graph from the immutable event log.