Connect every system through one gateway.

API Gateway

Single entry point across applications, services, and partners, simplifying integration, accelerating ecosystem growth, and ensuring consistent security, control, and governance across every interaction.
The result is faster time-to-market, simpler ecosystem expansion, and greater operational control.

Architecture diagram of the BKN301 API Gateway routing client application requests through health switches to Cards and Accounts APIs, with a parallel webhook queue for real-time events

Unified connectivity

  • One access layer across services and partners
  • Standardized integration across the ecosystem
  • Faster onboarding of new capabilities

Governance by design

  • Centralized security and access control
  • Consistent policies across the ecosystem
  • Complete operational visibility

Scalable integration

  • Simplify ecosystem expansion
  • Reduce integration complexity
  • Accelerate time-to-market

One synchronized ecosystem for modern finance.

BKN301 enables financial institutions to scale, adapt, and evolve through one unified operational foundation.
Discover how BKN301 enables:

  • Intelligent execution across the financial ecosystem
  • Faster innovation with greater flexibility and control

Built for the next generation of financial institutions.

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Architecture diagram of BKN301 Data Decoupling, where harmonization and resiliency process data from BKN301 APIs and third-party back ends before exposing it through Reporting as a Service to client users and Feed to the client data warehouse

The Data Decoupling brings order to the way your data works.

BKN301 creates a trusted operational foundation that keeps data, workflows, and services aligned across the ecosystem. This enables institutions to innovate faster, maintain continuity, and evolve with greater flexibility.

  • One operational view across multiple systems
  • Change providers without rebuilding integrations
  • Maintain continuity as systems and services evolve
Explore Data Decoupling

Every challenge, a solution built for it

Modernize legacy systems without business disruption

Upgrade and transform existing banking infrastructure while maintaining day-to-day operations, customer experience, and business continuity.

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Launch new services on a trusted data foundation

Bring new products and channels to market more quickly by building on a trusted, consistent data instead of creating new integrations for every initiative.

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Launch from greenfield to live

Accelerate new digital bank launches from greenfield to production with composable infrastructure, reducing complexity, integration effort, and time-to-market.

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Ensure business continuity during migrations and outages

Keep critical services running and customers connected during system migrations, provider changes, maintenance activities, and unexpected disruptions.

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Cut delays across decisions, onboarding and reporting

Replace manual queues and disconnected systems with real-time answers built on one governed data layer – so decisions, journeys and insights run at the speed of the business.

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Improve efficiency across compliance and operations

Automate repetitive activities across AML, KYC, reporting, and customer operations so teams can focus on higher-value work and critical exceptions.

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Detect and manage risk before it becomes loss

Monitor transactions, customer activity, and operational signals continuously to identify emerging risks early and support faster, more informed action.

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Deliver personalized banking experiences

Deliver context-aware experiences and recommendations based on each customer’s financial activity and needs.

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Explore all capabilities

Banking

Accounts, cards, lending, and trading in one system. Run core financial operations without stitching tools together. 

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Payments

Accept, process, and settle payments across channels. One infrastructure for merchants, users, and flows.

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Tokenization

Turn assets into programmable financial products. Control issuance, distribution, and lifecycle end-to-end. 

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Governance

KYC, AML, fraud, and compliance built into workflows. Every action is traceable, controlled, and auditable. 

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Forecast

Leverage structured, real-time data to support predictive models, enabling better planning, risk assessment, and forward-looking decision-making. 

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Third-party integrations

Connect external providers through a unified orchestration layer, reducing integration effort, avoiding duplication, and enabling vendor flexibility. 

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