Replace your legacy mainframe. Process 50,000 TPS.
dBank is a hyper-scalable ACID-compliant core banking ledger built on modern microservices. Replace decades-old COBOL spaghetti with cloud-native architecture — without disrupting operations.
The core banking infrastructure banks actually need
dBank was built from the ground up to process the demands of modern banking — not patched onto 1970s mainframe architecture.
Core Ledger Architecture
ACID-compliant microservice ledger processing 50,000+ TPS. Horizontal scaling via Kubernetes handles any volume spike without downtime.
KYC / AML Compliance Layer
Natively integrated KYC/AML modules interface with global FATF watchlists, PEP databases, and sanctions lists in real time — flagging suspicious patterns instantly.
PSD2 Open Banking APIs
PSD2-compliant REST endpoints expose account and payment initiation services to third-party fintechs, protected by dynamic OAuth2 scopes and mutual TLS.
Multi-Currency Ledger
Manage accounts, transactions, and settlements simultaneously across 150+ currencies with live FX rate application and ISO 20022 message formatting.
Mainframe Migration Tooling
Purpose-built ETL pipelines migrate legacy COBOL data to dBank's schema with full dual-run validation — ensuring zero data loss during cutover.
Regulatory Reporting Engine
Auto-generate Basel III, IFRS 9, FINREP, and COREP reports on schedule. Built-in audit trails satisfy central bank and external auditor requirements.
Compliance built in.
Not bolted on.
dBank treats regulatory compliance as a first-class architectural concern — not an afterthought. KYC, AML, PSD2, and Basel III requirements are embedded directly into the transaction processing pipeline.
Real-Time Sanctions Screening
Every transaction is screened against OFAC, EU, and UN sanctions lists in under 10ms before processing completes.
Suspicious Activity Reports (SAR)
Automated SAR generation and submission to financial intelligence units when AML thresholds are triggered, with full audit trail.
Immutable Ledger Audit Trail
Every credit, debit, and account modification is recorded in a cryptographically chained immutable audit log for regulatory inspection.
Frequently Asked Questions
How many transactions per second can dBank process?
dBank's ACID-compliant microservice ledger architecture is capable of processing over 50,000 transactions per second, designed to replace legacy mainframe systems at global banking scale.
Does dBank support KYC and AML compliance?
Yes. dBank has natively integrated KYC/AML modules that interface directly with global watchlists and FATF recommendations, instantly flagging suspicious transactional patterns for manual review.
Does dBank provide Open Banking APIs?
Yes. dBank exposes PSD2-compliant REST endpoints to third-party fintech developers, strictly guarded by dynamic OAuth2 scopes and mutual TLS certificate pinning.
Can dBank replace our legacy mainframe?
Yes. dBank is specifically designed to replace legacy COBOL mainframe systems with a modern, cloud-native microservice architecture. Migration tooling and dual-run support are included.
Modernize your core banking infrastructure
50,000 TPS. ACID compliant. KYC/AML built in. Replace your mainframe with dBank today.