Digital Banking Platform
Shivacha Digital Bank: A configurable digital banking platform for banks and licensed partners.
Available
24,180.40
Pending
1,204.00
Pots
3 active
Typical implementation
4–6 weeks
Advanced customization
Customization
Highly customizable
Advanced builds: 6–10+ weeks
- White-label
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A complete digital banking stack — onboarding, accounts, payments, cards, servicing and back-office — built on a double-entry ledger and designed to integrate with existing cores or sponsor banks.
The problem
Launching digital banking on legacy technology takes years, and buying rigid off-the-shelf suites leaves banks unable to differentiate. Teams need a modern platform they can configure, extend and own.
The solution
Shivacha Digital Bank provides production-ready modules for retail and business banking on a modern, API-first architecture. It runs in your cloud, integrates with your core or partner bank through adapters, and is delivered with source-level extensibility so your teams can build on it.
Feature modules
What's inside
Digital onboarding
Identity verification, KYC/KYB integration and account opening in minutes.
Accounts & sub-accounts
Current, savings and goal-based pots with real-time balances.
Payments
Domestic and international transfers, scheduled payments and payees via partners.
Cards
Debit and virtual card management through issuing partners.
Customer servicing
Statements, disputes, secure messaging and self-service settings.
Back-office
Customer 360, case management, limits and maker-checker adjustments.
Product preview
Designed for operators and end users.
- Double-entry ledger with real-time balances
- Configurable products, fees and limits
- Retail and business banking journeys
- Biometric login and device binding
- Core banking and BaaS adapters
- Open APIs and webhooks
- Operations and compliance console
- Multi-currency support
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Core banking systems
- Sponsor banks / BaaS providers
- Card issuing processors
- KYC & KYB providers
- Payment schemes via partners
- Accounting software
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Incumbent bank digital brandLaunch a digital proposition alongside the legacy core.
- Partner-bank fintechOffer accounts through a licensed sponsor bank.
- SME bankingBusiness accounts with multi-user approvals.
- Channel replacementReplace outdated online and mobile banking.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
Learn moreCore Banking Platform Development
Modern core banking components — ledger, product engine, interest, fees and limits — or integration with existing cores.
Learn moreMobile Banking App Development
Secure, intuitive mobile banking apps with biometrics, real-time payments, cards, insights and in-app support.
Learn moreRelated products
Works well with
Shivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreShivacha Card Management
Technology infrastructure for card-program integrations.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Can it run on top of our existing core?
Yes. Adapters connect to existing core banking systems; the platform can also run its own ledger for new products alongside the legacy core.
Is the platform a licence to operate a bank?
No. It is technology. Regulated services are provided by your institution or licensed partners.
How is it priced?
Pricing depends on deployment model, modules and customisation. Request a demo to discuss your requirements.
Request a product demo.
See how Shivacha Digital Bank fits your business, and how we would customise and deploy it.