The FutureBank platform
Banking & payments, plug-and-play.
For apps, people and agents.
One integration and orchestration platform. One canonical model. An ecosystem of best-of-breed financial technology. And now an MCP layer that makes all of it accessible to AI.
01Architecture
Intelligence above.
Certainty underneath.
Six layers between AI and your core. Every layer has a purpose. Every action has a boundary. Scroll to follow one request down the stack.
- 01
Agentic experience
Natural language, AI assistants and autonomous workflows for customers, employees and developers.
“Send R5,000 to Sarah.”
- 02
MCP & Agent Gateway
Capability discovery, context, permissions and tools. AI gets a governed way to find and use banking capabilities.
tool → payments.initiate
- 03
Trust & control
Identity, consent, policies, limits, approvals and audit, all applied before any request becomes a banking action.
identity ✓ consent ✓ limits ✓
- 04
Canonical banking model
Standardized banking capabilities that stay the same whichever provider sits underneath.
Payment{ 5000.00 ZAR → BEN-0193 }
- 05
Integration & orchestration
Adaptors, routing, events, transformations, workflows and observability across every connected system.
route → real-time rail · core adaptor
- 06
Bank + partner ecosystem
Core banking, cards, payments, KYC, fraud, investments, insurance and FinTech partners: the systems that actually deliver.
posted ✓ ref FBX-88213
02Canonical banking model
One model. Every provider underneath.
FutureBank abstracts the complexity of banking systems and FinTech providers behind a common model. Change the technology underneath without rebuilding every experience above it.
Onboarding
Identity, KYC/KYB, verification, customer creation and account opening.
- onboarding.start
- identity.verify
- accounts.open
Accounts & Wallets
Balances, transactions, account management, wallets and stores of value.
- accounts.list
- accounts.balance
- wallets.create
Cards
Issuing, activation, controls, limits, transactions and lifecycle management.
- cards.issue
- cards.freeze
- cards.set_limit
Payments
Account, card, real-time, cross-border and digital-asset payments, with settlement and reconciliation.
- payments.quote
- payments.initiate
- payments.status
Beneficiaries & Billers
Beneficiary management and moving money between stores of value and billers.
- beneficiaries.list
- beneficiaries.validate
- bills.pay
Fraud & Risk
Fraud, AML and decisioning orchestrated across customer and transaction journeys.
- risk.assess
- aml.screen
- cases.open
Investments & Insurance
Investment, trading, insurance and other financial-product providers through the same model.
- investments.quote
- orders.place
- policies.quote
Statements & Data
On-demand, consolidated statements and a single view of customer across systems.
- statements.generate
- customers.view
- events.subscribe
03Integration & orchestration
Connect legacy and new. Run them as one.
Embed best-of-breed financial products and services into any customer experience or core system, whether it's existing, legacy or brand new.
payments.initiate · routing
The experience asks for a payment. FutureBank decides how it executes, with retries and failover, and the experience never changes.
Adaptors
A library of core banking and partner adaptors, with an anti-corruption pattern enforced by the Adaptor Registry.
Routing
Route by product, provider, rules or health, with retries and failover between providers.
Events
An event hub that turns batch processes into real-time, observable events, with scheduling built in.
Transformations
Every provider's model mapped to and from the canonical model, once.
Workflows
Multi-system journeys such as onboarding orchestrated as one flow.
Observability
Health monitoring, telemetry and insight across every connected system.
04MCP, APIs & SDKs
Every capability. Every interface.
The same canonical capabilities reach apps through APIs and SDKs, people through BankCentral and BankOps, and agents through MCP.
Exposed through
- MCP
- APIs
- SDKs
- Events
- BankCentral
- BankOps
- AI dev tools
FutureBank
Canonical banking model
- Onboarding
- Accounts & Wallets
- Cards
- Payments
- Beneficiaries & Billers
- Fraud & Risk
- Investments & Insurance
- Statements & Data
Connected to
- Core & ledgers
- Card processors
- PSPs & rails
- KYC / KYB
- Fraud & AML
- Billers
- Investments & insurers
- FinTechs
MCP
Capability discovery, context and tools for AI assistants, agents and AI development tools.
Platform APIs
One standard API across onboarding, accounts, cards, payments, beneficiaries and more, with mock data sets and Postman collections.
Mobile & web SDKs
Native iOS and Android SDKs, a customizable React web application and mobile app templates.
Events
Subscribe to canonical events across every connected system.
05BankCentral & BankOps
The control plane for your banking world.
Two back-office portals with a single view across every connected system, now with an AI interface.
Increased controlOne view across all connected systems, and the ability to act on it.
Reduced riskDependencies on legacy infrastructure are decoupled behind the canonical model.
Improved insightEvent-based microservices produce rich data on customer behaviour and system health.
Ask about a customer, account or system…
06Extensibility
A platform you control and evolve.
From adaptor technology to event management and routing, FutureBank is built to be customized to your requirements and to change with them.
- healthGET /healthok
- accounts.balanceimplementedenabled
- accounts.transactionsimplementedenabled
- payments.initiateimplementedenabled
- cards.freezerouted → card processorenabled
- custom.loyalty_pointsextensibility routeenabled
FutureBank Platform Release 7
What's new in “Ferrero”.
More flexibility, speed and control for banks and FinTechs, and better ways to use data in the age of AI.
Play & Pilot modes
Spin up an instance and simulate a use case with no code, then integrate selected partner capabilities.
On-demand statements
Consolidated statements across any core banking and payments system, with fraud-reducing protections.
Smarter task scheduling
Compliance reporting, reconciliation and data processing run automatically in the background.
Stronger security
Fine-grained end-to-end encryption, with KeyCloak built in and support for compliant OIDC providers.
Bill payments
Native bill presentment and payment across multiple providers.
Back-office upgrades
Revamped BankOps and BankCentral with improved observability.
The next connection is yours
Your bank.
The AI economy.
Connected.
Start a conversation about what agentic banking could mean for your bank, beginning with one governed journey.