Core platform
The bank operating system, yours to run.
Nucleus BankOS is an AI-native core banking platform for community banks and credit unions. It runs the ledger, operations, lending, risk and AI on one customer record, as a full core or beside the core you have.
At a glance
- What it is
- AI-native core banking platform
- Built for
- Community banks and credit unions
- Ledger
- Real-time double-entry general ledger
- Deployment
- Full core or side-core, same product
- Tenancy
- One bank per deployment, not shared
- Conversion
- Under 90 days for standard environments (demonstrated)
- Conductor
- Conductor RM
- Conductor CS
- Exec Center
- CLARA AI
- DarkMatter
- No-code products
- Regulator console
- Customer master
In every deployment
A full bank on day one, not a starter pack.
Conductor runs operations live
Wires, deposits, accounting and branch operations in one cockpit. Every queue and exception is live, not waiting on a batch.
Conductor RM: relationship management built in
Bankers work their pipeline, opportunities and client prep inside the core, on the same customer record. CLARA flags which prospects to prioritize, and booked deposits and loans tie back to each banker’s book.
- Pipeline from identified to won
- Playbooks and client prep for every meeting
- Deposits and loans booked, by banker
Conductor CS: support that can see the account
Customer service runs inside Conductor, with AI and human agents on one queue working from the real account. Supervisors see every channel live, and every case is scored and logged.
- Phone, chat, app, web and video queues in one view
- SLA, CSAT, first-contact resolution and abandon rate, live
- AI hands off with transcript, account and intent
A console built for examiners
Regulators and auditors get read-only, scoped access to exactly what they need, and every view is logged. Exam prep becomes a standing capability instead of an extract.
CLARA and DarkMatter, built in
CLARA AI and DarkMatter’s fraud, cyber, BSA and compliance engines ship in the core. They share one identity, one permission model and one audit log.
- AI acts within limits the bank sets
- Every decision logged and replayable
- No separate risk vendors
Exec Center on the same data
Eight role-specific executive dashboards read the same ledger operations write to. No reconciliation lag between the board view and the bank.
Specifications
What the core includes
| General ledger | Real-time double-entry; every transaction posts as balanced legs |
|---|---|
| Customer master | Data keyed by customer, not account: one identity across every product |
| Product configuration | No-code builder with approval chains; journeys deploy to the bank’s own domain |
| Delivery | Cloud-native, single-bank deployment; updates never touch another institution |
| Connectivity | BroadStreet private network; only customer-facing surfaces face the internet |
| Conductor | Real-time operations: wires, deposits, accounting and branch |
|---|---|
| Conductor RM | Relationship management: pipeline, opportunities, playbooks and client prep on the customer record |
| Conductor CS | Customer service: AI and human agents on one queue, every case scored and logged |
| Foundry Retail | Consumer and small-business origination that books to the GL instantly |
| DarkMatter | Fraud, cyber, BSA and compliance on the shared identity and audit log |
| CLARA | Context-aware AI that acts only within scopes and limits the bank sets |
| Exec Center | Eight role-specific executive command centers |
| Full core | Replaces the existing core; a parallel run proves GL parity before cutover |
|---|---|
| Side-core | Runs beside the existing core; system of record set per data class |
| Conversion | AI-assisted mapping and conversion (Continuum), with bank SMEs validating each area |
| Access | Zero-trust architecture, MFA, RBAC with row-level security |
|---|---|
| Audit | Immutable log of every action, decision and data access |
| Examiners | Read-only, scoped, fully logged regulator and auditor console |
| Posture | Detailed security and compliance documentation in the Trust Center, under NDA |
Questions
Nucleus BankOS: what banks ask
What is Nucleus BankOS?
Nucleus BankOS is an AI-native core banking platform for community banks and credit unions. It runs the general ledger, operations, lending, risk and AI on one customer record, licensed from adapfin and run by the bank.
Can Nucleus BankOS run alongside our existing core?
Yes. In side-core mode Nucleus runs beside your existing core, exchanging data through an agreed integration boundary, and the bank sets which system is authoritative for each data class. You can convert fully later, or not at all.
What is included in every deployment?
Conductor operations, Conductor RM relationship management and Conductor CS customer service, Foundry retail lending, DarkMatter fraud, cyber, BSA and compliance, CLARA AI, Exec Center, no-code product deployment and one customer master. Modules such as Fabric, Vault and Horizon add further parts of the bank.
How long does a conversion take?
A conversion path of under 90 days has been demonstrated for standard environments. Continuum, adapfin’s conversion tooling, handles mapping and conversion, and a parallel run proves general-ledger parity before any cutover.
Does Nucleus BankOS include relationship management (CRM)?
Yes. Conductor RM gives relationship managers their pipeline, opportunities, playbooks and client prep inside the core, on the same customer record as every account. There is no separate CRM to integrate or reconcile.
Does Nucleus BankOS include customer support?
Yes. Conductor CS runs customer service in the core: AI and human agents work one queue from the real account, and anything beyond the bank’s playbooks escalates to a person with full context. Every case is scored automatically and logged.
Is there an extra charge for side-core mode?
No. Side-core is the same product deployed differently, with no upcharge.
Is Nucleus BankOS multi-tenant?
No. Each deployment serves one bank, so a platform update for one institution never affects another.
How does Nucleus BankOS use AI?
CLARA, the AI built into the core, works within the scopes, authority limits and approval chains the bank sets. Every recommendation and action is logged and can be replayed step by step for an examiner.
What can examiners and auditors see?
A dedicated regulator and auditor console gives read-only, scoped access to exactly what they need. Every view is logged.
How is Nucleus BankOS secured?
Zero-trust architecture, single-bank deployment, MFA, role-based access with row-level security and immutable audit logs. The core is reached over BroadStreet, adapfin’s private connectivity layer; detailed posture is in the Trust Center under NDA.
Does the bank own the platform?
adapfin licenses Nucleus BankOS. The bank controls its configuration, products, rules and AI limits, and its data stays in a deployment dedicated to it.
See the core run your workflow.
A working session with the founders on your use case, your core and your first step.