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Improve the member experience with your core.
Streamline credit union integration by connecting your Jack Henry Symitar, Corelation Keystone, or Fiserv DNA core to fintech applications and digital channels — built for a seamless member experience.
The credit union squeeze
Serve members like a megabank.
Run lean like a credit union.
Members expect fintech-grade digital service. Your team delivers it on a not-for-profit budget, on a decades-old core, under NCUA scrutiny — usually with a dozen vendors in between.
01 · Core gap
A core that predates the API
Most cores in this segment were never designed for real-time APIs or cloud integration — but members bank like they were. Almost nobody rips out the core; the route forward is a middleware layer around it that lets you modernize gradually instead of betting the institution on a conversion.
02 · Vendor sprawl
A dozen vendors, no unified strategy
Separate point solutions for eSign, identity verification, fraud, payments and onboarding — each with its own contract, cost, risk review and integration to babysit. It's the complaint we hear first from credit union CIOs.
03 · Examiner risk
Integration is now a compliance surface
GLBA, FFIEC guidance and NCUA expectations require specific protections for member data in transit and at rest. An API moving account data without encryption and an audit trail isn't only a security gap — it's a finding waiting to happen.
04 · AI without governance
“Show us how you validate the model”
Examiners now ask about model governance: how AI is validated, how drift is monitored, how decisions are documented — treating AI like any other third-party risk. Vendor due diligence, SOC 2 reports and clear data flows are non-negotiable before the first model ships.
What we build for credit unions
Products & services for
member-owned institutions
Everything below plugs into the core you already run — delivered by a boutique team that speaks members, share drafts and dividends, not customers, checks and interest.
Core Banking Connectors
Production-ready connectors for Symitar (Episys / SymXchange), Corelation KeyStone, Fiserv DNA and Portico, and FIS — including the write-back operations vendors usually make you fight for.
Digital Member Onboarding
Straight-through account opening that posts to the core and clears KYC/CIP in real time — the single biggest driver of how members judge your digital experience.
Lending & Loan Origination
Connect your LOS, decisioning, indirect lending and fintech partners — the way we cut Upstart partner onboarding by 80%+.
Real-Time Payments
FedNow and RTP rails wired into the core and back office — with the limits, controls and audit trail examiners expect from day one.
Member 360 & CRM
Salesforce Financial Services Cloud connected to the core, so the branch, the call center and lending all see the same member.
AI Governance & Model Risk
Validation, drift monitoring, decision logging and documented data flows around every AI use case — so the answer to the examiner's question already exists.
Data, Analytics & 5300
Pipeline core data into your warehouse for BI, board packs and NCUA 5300 Call Report prep — clean, governed and on schedule.
Fintech & CUSO Enablement
Onboard fintech partners and CUSO platforms fast, with oversight, rate limits and governance built into the fabric — not bolted on after the pilot.
Fraud, BSA/AML & Compliance
Automate case hand-offs and monitoring across fraud, AML and compliance systems — fewer gaps, far less manual work.
Flagship for credit unions
Every core behaves differently.
We know how yours does.
The pre-built connectors that exist for a top-25 bank don't exist for Corelation or the CUSO platforms. Ours do — and they go past read-only.
Trust & compliance
Built to survive the
exam, not just the demo
In this segment compliance is a competitive advantage, not paperwork. Every integration we ship arrives with the evidence your risk committee and your examiner will ask for.
SOC 2 & vendor due diligence
Reports, control mapping and questionnaire answers ready before procurement asks for them.
Encryption in transit & at rest
Member data protected end to end, per GLBA and FFIEC guidance — never an afterthought.
Complete audit trail
Every call, retry and failure logged and traceable, with documented data flows per integration.
AI model governance
Validation records, drift monitoring and decision logs for every model in the flow.
How we work
Contained pilot first.
Then production.
No multi-year program to sign before you see it work. We prove the hardest path on your actual core, then scale it.
01
Discovery
We map your core, your vendors and the flows that hurt — then name the one integration whose success de-risks the rest.
1–2 weeks
02
Contained pilot
One real flow in production shape, including write-back, monitoring and the compliance artifacts. Fixed scope, fixed price.
4–12 weeks
03
Production & managed run
Roll out across flows on the same governed fabric, with versioning, alerting and a team that stays on call.
Ongoing
faq
Before you call your core vendor
Do we have to replace our core?
No — and we'd argue against it as a first move. We build an integration layer around the core you run, so new channels and partners connect through us instead of through a conversion project. If you do convert later, the fabric stays and the core swaps underneath it.
How long until we see something real?
Discovery takes one to two weeks. A contained pilot — one real flow, in production shape, with write-back — typically runs four to twelve weeks, depending on how much vendor certification your core requires.
Will this hold up to NCUA and FFIEC expectations?
Every integration ships with encryption in transit and at rest, a complete audit trail, documented data flows and our SOC 2 evidence — the artifacts examiners and your risk committee ask for. Where AI is involved, we add model validation, drift monitoring and decision logging.
Our core vendor says the API doesn't support that. Now what?
Usually read access exists and the write path is the fight. We've run those conversations — SymXchange scoping, KeyStone modelling, DNA app certification — and where the published API genuinely stops, we design a supported alternative rather than leaving you with a script nobody owns.
We're a $300M credit union. Are we too small for you?
No. We're a boutique team, not a body shop — which is exactly why fixed-scope pilots and shared connectors work at your asset size. Most of our clients don't have twenty engineers to spare.
Can you work with our CUSO and existing fintech partners?
Yes. Partner enablement is a large share of what we do: onboarding CUSOs and fintechs onto your fabric with oversight, limits and governance in place, so adding the next partner is configuration rather than a new project.