The legacy way
Heavy systems and slow change
- Monolithic data silos and batch windows
- Consultancy-heavy customization to launch products
- Delayed insight for risk, finance, and operations
- Long implementation programs with unclear TCO
Real-time · Resilient · Self-reliant
Core banking, rebuilt from the ground up
Real-time processing, transparent TCO, and compliance by design — so your bank can launch modern products without legacy constraints.
WHY SOLID
Solve complex banking operations with less work
The fastest way to evaluate a core platform is to make the contrast clear. Here is the practical difference between legacy setup and the Solid operating model.
The Solid way
Modular, real-time, and controlled rollout
- JIT architecture with no end-of-day dependency
- Standard modules configured for each bank program
- Compliance by design
- Predictable performance - predictable TCO
TOTAL COST OF OWNERSHIP
The true cost of core banking
License fees are just the beginning. Operating costs and consulting fees often dwarf the sticker price. Solid's architecture eliminates the hidden layers.
Legacy
Solid
Why the difference?
Architecture support, regulatory updates, and platform evolution — keeping the system runnable and legal.
Solid's license is higher because more capability is included from day one. Architecture help is part of the deal — not a separate statement of work. When regulations change, Solid delivers the platform updates. You stay compliant without staffing a separate project.
Competitors quote a lower sticker price — but the base system covers less, and every addition comes at a steep premium. With Solid, the license keeps the system current, capable, and production-ready.
Servers, databases, middleware, disaster recovery, monitoring, and the staff to run it all.
ERP-based platforms carry the overhead of an entire enterprise runtime — database licenses, message brokers, batch processing servers — even when you only use the banking functions. You provision for peak load and pay for idle capacity year-round.
Solid is cloud-native. No database licenses. No middleware. Auto-scaling infrastructure that adjusts to actual demand. DR is built into the architecture, not a second copy of everything. The result: roughly 1/4 the operating cost.
Any change beyond the default system: new products, rate adjustments, regulatory updates, integrations, reports.
Legacy platforms require certified consultants for changes that sound simple — adding a savings product, updating an interest rate, connecting a new partner. These are code changes in proprietary languages that only specialists can make, at €200–400/hour. Industry data shows consulting typically costs 1–3x the annual license — every year.
Solid is built for configuration, not customization. Your team launches products, adjusts rates, and updates rules through the platform directly. No consultants. No wait. No recurring bill for changes you should own.
Why small changes stay small
Platforms built on top of ERP systems like Microsoft Dynamics carry a hidden dependency: every change to the banking layer risks requiring an update to the system underneath. A rate adjustment becomes an ERP project. A new product launch requires certified consultants. With Solid, there is no hidden platform — changes are isolated, fast, and owned by your team.
Why the difference?
License
Architecture support, regulatory updates, and platform evolution — keeping the system runnable and legal.
Solid's license is higher because more capability is included from day one. Architecture help is part of the deal — not a separate statement of work. When regulations change, Solid delivers the platform updates. You stay compliant without staffing a separate project.
Operating costs
Servers, databases, middleware, disaster recovery, monitoring, and the staff to run it all.
ERP-based platforms carry the overhead of an entire enterprise runtime — database licenses, message brokers, batch processing servers. Solid is cloud-native with auto-scaling infrastructure. The result: roughly 1/4 the operating cost.
Consulting costs
Any change beyond the default system: new products, rate adjustments, regulatory updates, integrations, reports.
Solid is built for configuration, not customization. Your team launches products, adjusts rates, and updates rules directly. No consultants. No wait. No recurring bill for changes you should own.
Why small changes stay small
Platforms built on top of ERP systems like Microsoft Dynamics carry a hidden dependency: every change to the banking layer risks requiring an update to the system underneath. A rate adjustment becomes an ERP project. A new product launch requires certified consultants. With Solid, there is no hidden platform — changes are isolated, fast, and owned by your team.
REAL-TIME + AI
Real-time processing turns AI into an operational control layer
Without batch windows, every balance, transaction, and state change is current. That improves day-to-day finance control and makes AI agents materially more useful for fraud, risk, and decisioning.
What real-time changes immediately
- Finance has continuous access to current reporting - no end-of-day wait.
- Fraud and trend signals are scored while events unfold, not after reconciliation.
- Infrastructure load is smoother without nightly batch spikes and oversized servers.
- Teams act on current context instead of stale snapshots spread across systems.
Benefits of realtime by use case
Detect and act while risk is still in-flight.
- Score suspicious behavior with current balances, events, and linked context.
- Hold, route, or escalate before settlement completes.
- Preserve complete event lineage for investigation and regulatory follow-up.
Keep finance decisions based on current numbers.
- Continuous access to current reporting without end-of-day lag.
- Less reconciliation effort between finance, operations, and risk teams.
- Live exposure views improve daily liquidity and planning decisions.
Run operations as a steady flow, not nightly catch-up.
- Remove batch windows and reduce time-bound incident risk.
- Smooth infrastructure load instead of expensive nighttime peaks.
- Resolve exceptions continuously, not from stale next-day backlogs.
Make frontier AI models more accurate and efficient.
- Ordered live deltas improve context quality for model reasoning.
- Incremental prompts reduce token waste and inference overhead.
- Fast simulation loops support policy testing and model tuning.
Earlier fraud interruption
Action happens while the transaction chain is active, reducing loss propagation.
Stronger context quality
AI consumes ordered deltas from current state, improving signal over fragmented snapshots.
Lower token and compute waste
Incremental prompts and no batch windows cut both inference overhead and infrastructure peaks.
API-FIRST TECHNOLOGY
Simple APIs AI ready
Solid turns core banking functionality into accessible, production-ready APIs. From balances and payments to compliance and credit operations, every service is exposed in a way that helps teams integrate faster, reduce complexity, and build AI-ready banking products on top of a single system.
Unified data layer
Pull from accounts, transactions, KYC, and lending through a single consistent API - no more wiring
together siloed systems.
Built for your needs
Feed real-time data into your own interfaces, BI tools, or internal portals. You decide how it
looks.
Webhooks & streaming
Get notified the moment something changes - transactions, compliance flags, status updates - no
polling required.
Versioned & stable
Ship integrations with confidence. No breaking changes, no forced migrations, no surprises.
POST /v1/accounts
// Create a new account
{
"account": {
"account_status": "Open",
"account_type": "Main",
"agreement_envelope_id": "A2349871592",
"main_account_ref": 0,
"ocr": 12345678901,
"opened_date": "2025-10-03",
"Interest_start_date": "2025-10-05",
"product_ref": 1,
"record_id": 0,
"limit": null
}
}
← 201 Created in
43ms
PRODUCT SUPPORT
Lending, deposits, and credit on one core
Solid supports core banking product families with configurable terms, lifecycle events, and reporting paths without custom platform forks.
LENDING
Loan products
- Configurable term structures, schedules, and repayment logic
- Disbursement, restructuring, and settlement event support
- Interest, fee, and reporting logic with full auditability
DEPOSITS
Deposit and savings products
- Configurable account terms, limits, and interest calculation paths
- Posting and balance behavior aligned to real-time processing
- Regulatory and operational reporting built into product flows
CREDIT
Credit lines and cards
- Credit limit management, utilization tracking, and control hooks
- Real-time decisioning inputs for risk and fraud controls
- Lifecycle events and servicing integration through stable APIs
Product templates
Launch from reusable definitions and shorten product rollout time.
Lifecycle coverage
Origination through servicing and closure in one consistent model.
Pricing and limits
Configure rate logic, fee models, and thresholds without rewrites.
Reporting alignment
Keep operational and regulatory reporting tied to product behavior.
ENTERPRISE READINESS
Everything required to run and evolve in production
Solid combines modular core services, future-ready compliance capabilities, and stable integration interfaces so banks can add requirements quickly, monitor continuously, and follow up without core rewrites.
Modular Core
- Independent services designed for banking workloads
- Real-time posting, ledger, and reporting paths
- Change isolation between core and integration layers
- Microservices
- Real-time ledger
- Independent scaling
- Change isolation
Compliance by Design
- Compliance is part of the platform architecture, not a bolt-on afterthought
- New regulatory and policy requirements can be configured and rolled out quickly
- Monitoring, alerts, and follow-up workflows stay visible in one operating model
- Security
- Audit logs
- Access logs
- Reporting
- Monitoring
- Access control
- Encryption
- Tax workflows
- Immutable lineage
- Alerting
- Configurable requirements
API and Integrations
- Versioned APIs, webhooks, and event-driven data flows
- Connect rails, partners, and internal systems without core rewrites
- Clean interfaces for BI, operations, and automation tooling
- Versioned APIs
- Webhooks
- Event streams
- Clear service contracts
Loan and credit flows
Built for configurable product definitions and lifecycle events.
Deposit operations
Support for configurable terms, limits, and reporting obligations.
Multi-entity support
Operate across entities, currencies, and partner channels.
Integration lifecycle
Stable contracts and predictable upgrades over long operating horizons.
THE DIFFERENCE
Purpose-built vs. adapted from legacy
Many platforms retrofit ERP systems or batch-based ledgers for banking. Solid was designed from the ground up as a real-time core banking engine.
Capability
Solid
Legacy / ERP-based platforms
Architecture
Purpose-built microservices
Monolith or ERP-extended
Solid Core is built as independent microservices from the ground up — not layered on top of an ERP system. Each service owns its data and scales independently, enabling targeted updates without system-wide risk. Legacy platforms often extend monolithic ERP frameworks, inheriting their constraints around deployment, data coupling, and upgrade cycles.
Processing
Real-time, zero batch
Batch / end-of-day
Every transaction, balance update, and compliance check executes in real time — no overnight batch windows, no reconciliation delays. Interest, fees, and invoicing are calculated just-in-time. ERP-based systems typically rely on scheduled batch runs, creating stale data and regulatory blind spots between processing cycles.
Performance
Sub-second latency, auto-scaling
Hardware-bound, vertical scaling
Solid's cloud-native microservices scale horizontally with demand, delivering consistent sub-second response times under any load. Legacy platforms are constrained by monolithic architectures that require vertical scaling — adding more powerful hardware rather than more instances — leading to performance degradation during peak volumes and roughly four times higher infrastructure costs.
Infrastructure
Cloud-native from day one
Cloud-hosted legacy
Solid runs on cloud-native infrastructure with auto-scaling, containerised deployments, and infrastructure-as-code. There is no on-premise lineage to maintain. Legacy platforms may run in the cloud, but they were originally designed for on-premise or single-tenant hosting — limiting elasticity and driving up operational overhead.
Compliance
Configurable and future-ready
Bolted-on modules
Compliance is part of the platform model from day one, so new requirement types can be added quickly, monitored continuously, and followed up operationally without core rewrites. Legacy setups often bolt on compliance modules later, which slows change cycles and fragments visibility across tools.
Vendor dependency
No vendor lock-in
Tied to ERP ecosystem
Solid owns its full stack — there is no third-party platform underneath. Competitors built on ERP systems like Microsoft Dynamics inherit that vendor's release cycle, licensing model, and proprietary tooling. A small change to the banking layer can cascade into an update of the underlying ERP, turning a one-week task into a multi-month project. With Solid, changes are isolated and deploy independently.
Total cost of ownership
Transparent & predictable
Complex licensing layers
One transparent price — no per-user ERP licenses, no middleware fees, no hidden infrastructure surcharges. Legacy platforms layer licensing, hosting, connectors, and consulting into an opaque total cost that grows with every new module. With Solid, what you see is what you pay.
Extensibility
Plug-in API modules
Customizations on ERP base
New payment rails, product types, or integrations plug in through well-defined APIs without modifying the core engine. Each module is versioned and deployable independently. ERP-based customizations often require forking the base system, creating upgrade conflicts and long-term technical debt.
Upgrades
Continuous delivery, zero downtime
Scheduled release windows
Solid deploys updates continuously with zero-downtime rolling releases. There are no costly system upgrades, no migration weekends, and no version fragmentation across clients. Legacy platforms bundle changes into major releases that require planning, testing windows, and often downtime — slowing the pace of innovation.
Audit trail
Immutable, real-time logs
Retroactive logging
Every transaction, configuration change, and access event is captured in an immutable, append-only log as it happens — providing full traceability for auditors and regulators. Traditional systems often reconstruct audit trails after the fact from disparate sources, creating gaps and inconsistencies that surface during regulatory reviews.