Bank8
Bank8 is the banking, payments, and open banking vertical of the Sentin8 platform: a core ledger with double-entry postings, ISO 20022 payment orchestration, and FDX v6.5 data exchange.
What it is
A bank-grade core built on the same event-sourced, zero-static-secret substrate as the rest of the platform. Money movements are immutable, double-entry postings — never balance edits — so every cent is reconcilable at any point in time.
The business case
- Launch neobank features in weeks, not years. Prebuilt ledger, payment orchestration, and open-banking rails remove the classic core-banking procurement bottleneck.
- ISO 20022 out of the box. Orchestrate payments across correspondents and schemes using the message standard regulators are converging on.
- Open banking as revenue. FDX v6.5 data exchange means you can offer account aggregation and data products to fintechs — compliant from day one.
- Reconciliation you can trust. Double-entry postings make the ledger self-auditing; month-end close stops being a firefight.
Core capabilities
| Capability | Why it matters |
|---|---|
| Double-entry core ledger | Every movement balances by construction; audit-proof money. |
| ISO 20022 payment orchestration | Scheme-agnostic payment processing with the global message standard. |
| FDX v6.5 data exchange | Open banking data sharing for fintech and enterprise partnerships. |
| Sentin8 tenancy & identity | Mandatory tenant isolation for every customer and account. |
| Event-sourced history | Full replay of any account's history for dispute resolution. |
Who it's for
- Neobanks and challenger banks that need a compliant core without a decade of integration work.
- Fintechs holding or moving customer money that need a ledger which survives audits.
- Enterprises building embedded finance on top of their existing products.