White-Label Core Banking Software For Modern & Scalable Banking Operations
Create branchless banking solutions and deliver top-notch financial services with our secure core banking solution. Launch your digital bank faster using our comprehensive white-label platform with complete source code access, designed for commercial banks, neo banks, RRBs, and microfinance institutions.
Core Banking Software with Source Code License
Get complete control over your core banking with our enterprise source code license, designed specifically for banks and financial institutions.
Full Source Code Access
Complete freedom to modify and customize your core banking solution at your own pace. Build unique features and integrations that differentiate your banking services.
Warranty Protection
Comprehensive coverage for bug fixes and security updates ensures your Core Banking Platform remains secure and operational at all times.
Comprehensive Support
We empower your development team with in-depth training, technical guidance, and ongoing support to maximize your core banking solution implementation.
Meet Your Deadlines
Operate with your internal team to meet critical deadlines, bypassing vendor dependencies and maintaining complete control over your project timeline.
Minimized Development Risks
Avoid the bottlenecks and uncertainties of building core banking solution from scratch. Launch with proven, battle-tested banking infrastructure.
Consistent Updates
Leverage regular platform updates and enhancements to keep your core banking at peak performance with latest banking features.
Out-of-the-Box Digital Banking Features for Quick Launch
AOPAY Core Banking Solution comes with comprehensive pre-built features to ensure impeccable customer service from day one. Everything you need to launch a modern digital bank is included in our platform.
Remote Customer Onboarding
Comprehensive Transaction Processing
Flexible Payment Acceptance
AML/Anti-Fraud Protection
Built-in CRM System
User Actions Log & Security
Monetize Your Digital Banking Platform
Maximize revenue potential with AOPAY Core Banking Solution's advanced monetization features. Create flexible pricing models and manage vendor relationships efficiently.
Contracts & Vendor Management
- Vendor terms and conditions input system
- Customer contract creation with variable commissions
- Multiple contract types and pricing tiers
- Automated contract management workflows
Advanced Fees & Limits Configuration
- Customizable fees: percentage, flat fee, or combination
- Configurable fee bearer (sender or receiver)
- Transaction limits per period, amount, or number
- Dynamic pricing based on customer segments
Reconciliation & Settlement
- Company liabilities reconciliation
- Client and vendor liability management
- Unmatched transaction identification
- Automated discrepancy resolution
Cash Operations Management
- Any type of cash accounting capabilities
- Cash-desk operations management
- Physical cash integration with digital platform
- Multi-location cash management
Ready-to-Go White Label Mobile Banking App
Receive a fully customizable mobile banking app with all essential functionalities, giving your core banking deployment a significant head start in the market.
End-to-End Digital Banking Solution for Record Time Deployment
AOPAY core banking provides everything needed for rapid deployment of comprehensive digital banking services, with flexible licensing and integration options.
Source Code License Available
Get complete control over your core banking by acquiring the source code license for maximum flexibility and no ongoing subscription fees.
- Full Customization
- No Vendor Lock-in
- Complete Ownership
API-First Architecture
470+ REST APIs to integrate the core banking into your existing systems and connect third-party services seamlessly.
- 470+ APIs
- REST Architecture
- Easy Integration
Affordable Subscription Model
Get the core banking functionality available in the cloud, ready to use immediately at a reasonable cost with scalable pricing.
- Cloud Ready
- Scalable Pricing
- Instant Deployment
Best Core Banking Software for All Types of Banks
Whether you're planning to serve retail or corporate customers, our core banking platform provides the perfect foundation for any type of financial institution.
Commercial Banks
Complete core banking solution for traditional commercial banks looking to modernize their digital infrastructure and expand online services.
Neo Banks / Challenger Banks
Build a cutting-edge neobanking product and launch it faster at a much lower cost with our core banking platform..
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Regional Rural Banks (RRBs)
Specialized core banking features for RRBs including rural-specific workflows, government scheme integration, and local language support.
Co-operative Banks
Tailored core banking solution for co-operative banks with member management, share capital tracking, and cooperative-specific banking features.
Microfinance Institutions
Complete microfinance management with group lending, micro-credit processing, and financial inclusion tools built into our core banking solution.
Digital Wallet Solutions
Fully-fledged solution for Electronic Money Institutions and Payment Institutions. Create products like digital wallets and payment apps.
Core Banking Solution for Your Business Success
AOPAY core banking solution is designed to drive business growth through customer acquisition, retention, and operational efficiency improvements.
Attract & Retain Customers
Acquire and retain customers via customizable contracts and pricing plans. Attract your target audience and grow profit from increased customer LTV and operational fees.
Boost Customer Retention
Access exhaustive customer information - from operations to login history. Exceed client expectations by quickly resolving requests and anticipating their needs.
Equip Team for Top Performance
Your staff will love our core banking admin area with intuitive UI and convenient dashboard to handle routine banking tasks efficiently.
Maximize Revenue Potential
Effectively monetize each customer segment using endlessly customizable transaction fees, limits, and pricing models tailored to your business strategy.
Enterprise-Grade Performance & Reliability
2,700+ Transactions Per Second
470+ REST APIs Available
60+ Banking Modules
Comprehensive API Integration & Developer Tools
Built with developers in mind, our core banking solution provides extensive API coverage and integration capabilities for seamless connectivity with existing systems and third-party services.
Developer-Friendly Features
470+ REST APIs
Comprehensive API coverage for all banking operations
Detailed Documentation
Complete API documentation with code examples
SDK Libraries
Ready-made SDKs for popular programming languages
Sandbox Environment
Safe testing environment for integration development
Webhook Support
Real-time notifications for all banking events
OAuth 2.0 Security
Industry-standard authentication and authorization
Frequently Asked Questions
What is Core Banking Software and how does it benefit financial institutions?
Can I get source code access for the Core Banking Platform?
What types of banks can use this Core Banking Software?
How quickly can I deploy the Core Banking Software?
Is the platform compliant with banking regulations?
What support do you provide for implementation and maintenance?
Enterprise Grade Security & Regulatory Compliance with AOPAY Core Banking System
AOPAY core banking system is built with security-first architecture and comprehensive compliance features to meet the stringent requirements of financial institutions worldwide.
Security & Compliance Features
Security Standards
- ISO 27001 Certified
- PCI DSS Compliance
- End-to-end Encryption
- Multi-factor Authentication
Regulatory Compliance
- KYC/AML Automation
- Audit Trail Management
- GDPR Compliance
- Regulatory Reporting
Data Protection
- Data Encryption at Rest
- Secure API Endpoints
- Regular Security Audits
- Disaster Recovery
Explore Flexible Deployment Options With AOPAY Core Banking Software
Choose the deployment model that best fits your infrastructure requirements, security policies, and business objectives.
Cloud Deployment
Quick launch with our secure cloud infrastructure offering automatic scaling, regular updates, and enterprise-grade security without capital investment in hardware.
- Rapid deployment (weeks not months)
- Automatic scaling and updates
- Reduced infrastructure costs
- 24/7 monitoring and support
On-Premise Installation
Complete control with on-premise deployment, perfect for banks requiring maximum data sovereignty and customization capabilities.
- Full data control and sovereignty
- Maximum customization flexibility
- Integration with existing infrastructure
- Compliance with local data laws
Hybrid Architecture
Best of both worlds combining cloud scalability with on-premise security for critical banking operations and sensitive data management.
- Optimized performance and security
- Flexible resource allocation
- Cost-effective scaling
- Regulatory compliance flexibility
Proven Success Across Financial Institutions
AOPAY core banking solution has been successfully implemented across various types of financial institutions, helping them modernize operations and improve customer satisfaction.
Commercial Bank Transformation
Leading commercial bank reduced operational costs by 40% and improved customer onboarding time from days to minutes.
Neo Bank Launch
Startup neo bank launched their services in just 4 months using our white-label solution, achieving 100K+ customers within the first year of operation.
Microfinance Digital Transformation
Microfinance institution digitized their entire lending process, increasing loan processing capacity by 300% while maintaining strict compliance standards.
Pre-Integrated Financial Service Providers
Launch faster with our ecosystem of pre-integrated financial service, reducing integration time and complexity.
Payment Processors
Major card networks and payment gateways
KYC/AML Providers
Leading identity verification services
Credit Bureaus
Real-time credit scoring and reporting
Currency Exchange
Multi-currency and FX rate providers
Document Verification
AI-powered document processing
SMS/Email Services
Multi-channel communication platforms