About adapfin
Banks should control their own destiny.
adapfin is the company behind Nucleus BankOS, an AI-native core banking platform for community banks and credit unions. It was founded in 2024 by bankers and technologists who ran bank technology, operations and security themselves.
At a glance
- Company
- adapfin Technologies, LLC
- Founded
- 2024
- Headquarters
- Chesterbrook, Pennsylvania
- Product
- Nucleus BankOS, an AI-native core
- Built for
- Community banks and credit unions
- Deployment
- Full core or side core next to the incumbent
Leadership
Built for bankers. By bankers.
Banking, technology, security and finance leadership in one team.
In their words
“Nearly 70% of U.S. banks are dissatisfied with their core software — and nearly all of them turned to fintech to put a band-aid on it. They had little choice. Until now.”
“AI bolted onto a legacy core is a demo; AI built into the core is a workforce. We built the core so banks are ready for what's coming — not chasing it.”
“Most banks don't have an efficiency problem — they have a dozen-systems problem. Remove the seams and your people finally get to do the work that matters.”
“Security and convenience were never supposed to be a trade-off. Build protection into the foundation and customers get both, by default.”
Mission
Improve the economics of banking.
A real-time core
Accounts, payments, lending and accounting on one ledger. No wrappers, bridges or batch jobs.
Learn moreAI in the core, not on top
CLARA is built into the platform and acts only within limits the bank sets. Every automated decision is explainable and logged.
One control plane for risk
DarkMatter puts fraud, cyber, AML and BSA on one case file and one immutable log.
Fewer vendors
One platform and one contract in place of a dozen point solutions and the middleware between them.
Speed back
Launch and change products with no-code tools, in days rather than quarters.
Principles
How we build
| Built from experience | Designed by people who ran bank technology, operations and security. |
|---|---|
| Customer before account | Data is keyed to the person and household, not the ledger line. |
| Security by design | Controls and audit trails sit in every layer, not in an add-on. |
| One platform, bank in control | The bank runs its own products and workflows without vendor bottlenecks. |
| Smarter, not just faster | Automation removes noise so people decide with better information. |
| Empower the bank | Tools that let bank staff build, not tools that replace them. |
| Respect the mission | Banking is community infrastructure; reliability and exam readiness come first. |
Illustrative scenarios
What changes on one core
Hypothetical institutions, not customer deployments. Each card names the evidence behind its figure.
Improving the bottom line
$1.2MModeled scenariomodeled annual operational savings
If a hypothetical $2B credit union replaced eight vendor platforms with one, the model projects $1.2M in annual savings and 60% fewer vendor relationships overall.
Modeled scenario. A hypothetical institution, with outcomes modeled from platform capability. This is not a customer deployment, and the figures are not measured results.
Explore scenarioAutomated SAR drafts
75%Capability-supported analysisprojected reduction in manual review time
If a hypothetical mid-size bank let DarkMatter draft SARs for analysts to review and sign, the analysis indicates manual review time could fall by about 75%.
Capability-supported analysis. An analysis of what existing platform capabilities would support at a hypothetical institution. This is not a customer deployment, and the figures are projections, not measured results.
Explore scenarioProactive risk management
45%Modeled scenariomodeled reduction in regulatory report delivery time
If a hypothetical regional bank ran stress tests across segments in real time, the model projects regulatory reports could be delivered in 10 days instead of 18.
Modeled scenario. A hypothetical institution, with outcomes modeled from platform capability. This is not a customer deployment, and the figures are not measured results.
Explore scenario
Questions
About adapfin
What does adapfin do?
adapfin builds Nucleus BankOS, an AI-native core banking platform for community banks and credit unions. It runs accounts, payments, lending, fraud and compliance on one real-time core.
Who leads adapfin?
adapfin is led by Endré Jarraux Walls (Founder & CEO), Zia Karim (Co-Founder & CTO), Bob Diegel (Co-Founder & Strategic Advisor) and Diane McCracken (Co-Founder & CSO (Security)). Michael Day is Chief Financial Officer.
Where is adapfin based?
adapfin is headquartered at 851 Duportail Rd., Chesterbrook, Pennsylvania 19087.
Does a bank have to replace its core to use Nucleus BankOS?
No. Nucleus BankOS can run as a side core next to the incumbent system, so a bank can move products over in stages. Full core replacement is also supported.
Does AI make banking decisions on its own?
No. CLARA acts only within limits the bank sets. Every automated decision is explainable and logged for review.
Build the core banks run on.
We hire engineers, bankers and security people who want to fix core banking.