03 What the business runs
Core banking
Deposits · Lending · Payments · Cards · Teller · Treasury · Trade finance · Agent banking
Enterprise (ERP)
Payables · Receivables · Procurement · Sales · Inventory · Payroll · Fixed assets · Planning
AI-native enterprise operating platform
Run the whole institution on one ledger.
Core banking, the back office, and AI (deposits, payments, cards, treasury, GL, payables, receivables, inventory, payroll), all posting to a single immutable double-entry journal. No subsystems to reconcile after the fact: one institution keeps one set of books.
| REF | ACCOUNT | DEBIT | CREDIT |
|---|---|---|---|
| JOURNAL BALANCED | 0.00 | 0.00 | |
40+ business modules
70 capabilities, one system
319 documented API operations
ISO 20022 native payments
Double-entry to the cent
The architecture
One platform, three layers
Not a bundle of separate apps bolted together, but one platform. Shared services like sign-in, approvals and audit sit beneath a shared finance engine (the ledger, tax and FX), and every part of the business plugs into both. Switch a capability on and it works with all of it from day one. Nothing to re-integrate.
02 The shared finance engine
Ledger · Chart of accounts · Posting engine · Dimensions · Periods · FX · Tax · Consolidation · Financial reporting
01 Shared services underneath
Identity & access · AI & agents · Approvals & workflow · Documents · Notifications · Audit · Scheduling · Reference data · Integration
A customer's card payment and a supplier invoice land in the same set of books, under the same accounting rules, tagged to the same branches and cost centres. That's what "one ledger" means in practice: nothing to reconcile between systems, because there's only ever one.
The breadth
Everything a modern institution runs
Forty-plus business modules, from deposits to payroll, that snap together into exactly the product you need. Turn one on and it's there; leave it out and it isn't. No half-finished features, and no paying for capabilities you don't use.
Deposits & accounts
Current, savings and wallet products, interest accrual, statements, holds, mandates, standing orders.
Lending & collateral
Origination, disbursement, schedules, collateral registers, arrears, commissions.
Payments & clearing
ISO 20022 messaging, funds transfer, bill pay, the switch, and clearing across domestic and cross-border rails.
Cards
Issuing, card billing, prepaid, and the dispute lifecycle end to end.
Treasury & markets
Deals, FX, nostro reconciliation, trade finance, and wealth portfolios.
Branch & agent ops
Teller, cash logistics, agent banking, end-of-day, onboarding, KYC/CDD, and party (CIF).
Order-to-cash
Sales, billing, credit control and receivables, on the same ledger your bank runs.
Procure-to-pay
Procurement, suppliers, contracts, and payables with three-way match.
Inventory & costing
Items, warehousing, movements, and standard / landed costing.
People & assets
HR, payroll runs, fixed assets, depreciation, and projects.
Planning
Budgeting, forecasting and commitments, with actuals from the very same journal.
Risk, AML & compliance
Sanctions/PEP screening, risk rating, transaction monitoring, maker-checker on every sensitive action.
Intelligence
AI-native, not AI-added
The AI works from the same books your auditors do: reading documents, explaining figures, flagging anomalies and answering questions from real data, always included. The step up is autonomy: agents that don't just advise, but act.
- ▸Answers you can trust. Every answer is drawn from your actual ledger, customers and products, never a made-up balance.
- ▸AI agents that act, safely. Outside agents connect through one controlled gateway: they only ever see what they're allowed to, must preview an action before committing it, and can't run it twice by mistake.
- ▸You decide how far they go. Every action is signed, re-verified and logged, and you set the limit: suggest only, draft for a person to approve, or act. Autonomy is a permission you grant, never an assumption.
# an agent quotes, then commits: idempotent, signed, audited
POST /api/v1/mcp/tools/transfers.commit
authorization: Bearer $AGENT_TOKEN
idempotency-key: agent-2026-000418
x-step-up: verified
x-signature: ed25519:…
{ "previewId": "…", "amount": {"amount":"250.00","currency":"USD"} }
# the outcome is a DecisionRecord: evidence, tier and principal, retainedOne codebase, many products
Ship the shape that fits
The same modules assemble into different products. Serve a 20-person company, or run a full bank and its own back office, all from one codebase. No separate versions to maintain, and no forks drifting apart over time.
Essentials
Books
General ledger, payables, receivables, cash and tax: the essentials, running lean. Right-sized for a small business, without the enterprise weight.
Business
Enterprise
The full back office: procure-to-pay, order-to-cash, inventory, payroll, assets and planning on the shared ledger.
Enterprise
Bank & Suite
Run a full bank, or a bank and its own back office together. The bank's own books sit alongside the businesses it serves, each kept completely separate.
One system, many institutions. Every institution's data lives in its own separate database (kept apart physically, not just by a setting), and each gets exactly the edition it pays for. There's no shared space where one institution could ever see another's data.
Built to be built on
A platform your team can trust
One REST API, 319 documented operations, money movement that's safe to retry, and standard OAuth2 for service access. The rules that keep modules independent are enforced automatically, so what your team builds against locally is exactly what runs in production.
Open the developer portal# authenticate a service client
TOKEN=$(curl -su "$CLIENT:$SECRET" -d grant_type=client_credentials \
https://auth.cortexbanking.com/oauth2/token | jq -r .access_token)
# move money: idempotent, balanced, audited
curl -X POST https://api.cortexbanking.com/api/v1/transfers \
-H "authorization: Bearer $TOKEN" \
-H "idempotency-key: tr-2026-000418" \
-d '{"from":"ACC000000000031","to":"ACC000000000007",
"amount":{"amount":"250.00","currency":"USD"}}'See the ledger everything posts to.
Read the documentation, browse 319 API operations, or sign in to the console.