Solutions
Open Banking & Payments
Solutions
Open Banking & Payments
Modern payments. AI-enhanced. Core-integrated. Globally ready.
Every payment should be fast, secure, and intelligent. Now it can be.
Legacy payments infrastructure was built for batch processing, not real-time commerce. Banks have layered on APIs, gateways, and compliance wrappers to support today's expectations—but most are still bottlenecked by outdated core systems, fragmented fraud tooling, and costly exception handling.
ADAPFIN delivers a next-generation approach. With Nucleus BankOS, CLARA AI, and DarkMatter Synergy, we provide a platform that natively supports modern payment rails, open banking frameworks, and real-time risk analysis. From FedNow to SEPA to SWIFT, we enable banks to move money faster, safer, and smarter—without compromise.
For mid-sized and large institutions seeking speed, scale, and control, ADAPFIN makes modern payments a first-class capability—not a workaround.

You don't have to spend millions to add modern payment rails to your institution's capabilities.
A platform that was designed from the ground up to make growth simpler for institutions of all sizes.
Built-in support for real-time and traditional networks.
FedNow and RTP, ACH, SEPA, SWIFT, CHIPS, Fedwire, card networks, push-to-card, and wallet integrations, plus cross-border rails with intelligent routing.
Easily configure per customer, product, or transaction type.
Control routing logic, cutoffs, hold rules, limits, and pricing through our no-code policy engine—or define advanced rules through open APIs.
Embedded into the core, not layered on top.
Our payments engine is fully native to the core ledger, eliminating latency, reconciliation mismatches, and external dependencies.
Built-in support for real-time and traditional networks.
FedNow and RTP, ACH, SEPA, SWIFT, CHIPS, Fedwire, card networks, push-to-card, and wallet integrations, plus cross-border rails with intelligent routing.
Easily configure per customer, product, or transaction type.
Control routing logic, cutoffs, hold rules, limits, and pricing through our no-code policy engine—or define advanced rules through open APIs.
Embedded into the core, not layered on top.
Our payments engine is fully native to the core ledger, eliminating latency, reconciliation mismatches, and external dependencies.
Unlock monetization and operational control
Configure dynamic pricing, limits, and SLAs.
Segment clients by priority or relationship tier. Offer differentiated wire SLAs, instant payment access, or bulk pricing with zero development work.
Offer branded embedded payment experiences.
White-label our platform for commercial clients or brand partners. Enable them to launch their own payment workflows without duplicating infrastructure.
Monitor, manage, and forecast with real-time visibility.
Get comprehensive analytics on volume, return rates, cutoff performance, fraud trends, and revenue impact—right out of the box.
Real-Time. Real Smart. Real Core.
With ADAPFIN, payments and open banking become intelligent, secure, and adaptable.
We combine Nucleus BankOS, CLARA AI, and DarkMatter Synergy into a single, future-proof platform that puts banks in control of their payment ecosystem—from wire rooms to mobile apps to global rails.
No more lag. No more guesswork. Just smarter money movement, built into the core.
Ready to Modernize Your Payments Infrastructure?
See how ADAPFIN can enable fast, secure, intelligent payments with native support for every modern rail.
Talk with an Expert