Core Banking

Modern Core.
Proven 

A cloud-native core banking platform enables clients to launch accounts, deposits and new products in weeks.

Product Overview

Avante gives you that core in the cloud, running in real time on open APIs, so you can launch new products in weeks and serve customers on every channel.

Core Banking is the heart of a bank's operations, managing every customer relationship, transaction, and financial product in real time.

Avante's modern core banking enables banks to grow faster, launch new services rapidly, and deliver banking anytime, anywhere.

  • Account ManagementCASA & IBAN
  • DepositsTerm & recurring
  • Product FactoryConfigure, not code
  • General LedgerReal-time postings
  • Multi-Entity & Multi-CurrencyBrands & countries
  • Open APIsREST & events
Another view of the same product
Channels & Experience:4 channels
Core Banking Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Core Banking Integrations:9 connections

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Layer 1

Channels & Experience

Mobile BankingCustomer apps
Internet BankingWeb self-service
Branch & TellerAssisted service
Partner APIsEmbedded channels
Layer 2

Core Banking Engine

Account ManagementCASA & IBAN
DepositsTerm & recurring
Product FactoryConfigure, not code
General LedgerReal-time postings
Layer 3

Data, Reporting & Integration

Open APIsREST & events
Core Ledger SyncReal-time postings
Data Lake & AnalyticsUnified data platform
DashboardsKPIs & insights
Alerts & NotificationsOmni-channel
Audit TrailsImmutable logs
Regulatory ReportingCentral bank ready
Host-to-HostLegacy integration

Core Banking Integrations

Payments Hub Cards Hub Instant Loans Identity Verification & KYC Risk & Compliance Digital Wallet Open Banking APIs Reconciliation Data Warehouse

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Legacy Core Modernization

Move off legacy cores without a risky big-bang switch.

Value for you
  • Phased migration with zero downtime
  • Lower cost of running the core
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Real-Time Ledger & Postings

Every transaction posted and balanced instantly.

Value for you
  • End-of-day batch windows removed
  • Always-accurate customer balances
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Rapid Product Launches

Configure new accounts and deposits without code.

Value for you
  • New products live in weeks
  • Business teams own product changes
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Member Share & Savings Accounts

Share, savings and dividend accounts built in.

Value for you
  • Dividends calculated automatically
  • Members served from one system
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Shared Core for Small Institutions

One secure core shared across branches and peers.

Value for you
  • Enterprise core at a fraction of the cost
  • Upgrades handled for you
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Rural Branch & Agent Banking

Serve remote members through agents and branches.

Value for you
  • Agent transactions that work offline
  • Wider reach without new branches
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Digital-Only Current Accounts

Open and run accounts entirely in the app.

Value for you
  • Accounts opened in minutes
  • Real-time alerts on every movement
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Cloud-Native Scale on Demand

Grow from thousands to millions of customers.

Value for you
  • Capacity grows with your customers
  • Pay only for what you use
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Open APIs for Embedded Banking

Expose accounts to partners through secure APIs.

Value for you
  • Partners integrated in days
  • New revenue from embedded products
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Deposit Taking for NBFCs

Launch term and recurring deposits with ease.

Value for you
  • Deposit products live quickly
  • Cheaper funding than borrowing
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Loan Account Servicing

Repayments, interest and schedules in one ledger.

Value for you
  • Accurate interest and schedules
  • Fewer repayment disputes
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Group & Micro-Savings Accounts

Group savings and micro-deposits for MFI members.

Value for you
  • Savings linked to group loans
  • Low-cost accounts for small balances
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Banking-as-a-Service Core

Offer branded accounts without building a core.

Value for you
  • Launch without building a core
  • Scale on a proven platform
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Virtual Accounts & Sub-Ledgers

Give every customer or merchant their own account.

Value for you
  • Collections matched instantly
  • Clear balances per customer
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Multi-Currency Accounts

Hold and move balances in many currencies.

Value for you
  • Real-time balances in every currency
  • New cross-border propositions
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Stored-Value Customer Accounts

Hold customer balances for payments and refunds.

Value for you
  • Balances managed securely
  • Faster refunds and payouts
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Employee & Supplier Accounts

Pay staff and suppliers from dedicated accounts.

Value for you
  • Payouts automated end to end
  • Clear view of every outflow
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Loyalty Points Ledger

Track points and rewards on a real ledger.

Value for you
  • Points balances always accurate
  • Rewards linked to payments
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Premium Collection Accounts

Collect premiums into dedicated policy accounts.

Value for you
  • Premiums matched to policies automatically
  • Fewer missed payments
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Claims Payout Accounts

Pay claims quickly from a controlled ledger.

Value for you
  • Faster claims settlement
  • Full audit trail for every payout
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Policyholder Savings Plans

Run savings-linked and endowment products.

Value for you
  • Savings products on one core
  • Clear statements for policyholders
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