Container-First. Scale with Control.
Microservices on Kubernetes scale with demand: up for the busiest hour, down when it passes, changes ship without downtime.
Runtime Layer
The base it runs on: containerized, cloud-portable.
Isolate
Every service in its own boundary. A failure stays inside it.
Port
One runtime across AWS, Google Cloud and IBM Cloud for Financial Services.
Recover
Environments rebuilt deterministically from Git.
The Runtime Layer is container-first, the base the platform is built on: individual microservices on Kubernetes, each owning a discrete responsibility, scaling independently with failure bounded by design. It deploys where regulations or strategy require, across clouds and regions, without re-architecture.
The Three Layers.
Experience above, Orchestration between. The Runtime Layer is the base everything runs on.
Experience Layer
The bank's human-facing surfaces: customer journeys under the bank's brand, operator work on the XYB Console.
Orchestration Layer
Where banking orchestration happens: every state change a governed, replayable event.
Runtime Layer
Container-first, the base the platform is built on: scales with demand, deploys where regulations or strategy require.
New to AFI? Read What is Adaptive Financial Infrastructure?
Standard Runtime. The Exit Door Stays Open.
Every Platform service runs as an independent containerized microservice with its own data store. Kubernetes, Helm, Terraform, ArgoCD: standard tooling end to end, cloud-portable by construction.
What the bank gains
Vendor-isolated architecture
Each adapter and integration runs in its own service; blast radius bounded at the boundary.
Cloud portability
No re-architecture. Runs on AWS, Google Cloud, and IBM Cloud for Financial Services.
Independent scaling
Scale per service. No monolithic over-provisioning.
Zero-downtime upgrades
Container-level upgrades ship without coordinated platform downtime.
The Runtime Layer is how the AFI Platform stays deployable as the bank’s cloud posture, regulatory boundaries, and infrastructure partners evolve.
How the Runtime Layer Adapts.
Adaptivity is not one thing; it’s five.
Runtime
Kubernetes orchestration, Docker containers, ArgoCD GitOps with retry intelligence, Helm, Resilience4j circuit breakers.
Infrastructure
Terraform IaC, Spacelift environment orchestration, GitOps methodology, GitHub-based version control.
Logic
Schema-based workflows, policy versioning via the ProductVersioning schema, vendor-isolated adapters, three-layer composability.
Ecosystem
Open adapters: KYC, payments, fraud, AML/sanctions, ledger, credit-risk partners. Vendor-neutral, blast-radius isolated. See the adapter catalog
Operations
Familiar tooling preserved: CRM, case management, ticketing, BI. Change-management absorbed by the architecture.
Cloud-Portable by Design.
Deploy where regulations or strategy require.
AWS
Broad-region deployment for banks already standardized on AWS infrastructure.
Google Cloud
Hyperscaler reach for data, analytics, and elastic scale where strategy calls for it.
IBM Cloud for Financial Services
Regulated-industry cloud for the strictest regulatory and control postures.
Operational Resilience, Structural to the Substrate.
Resilience isn't a runbook bolted on afterward. It falls out of how the layer is built.
Deterministic infrastructure recovery from Git: environment and delivery state rebuild from version control in hours; evidence aligned to interagency operational-resilience guidance and FFIEC continuity expectations.
Vendor-isolated architecture contains blast radius at the integration boundary: no single dependency takes the platform down.
Progressive, reversible change supports the bank's impact tolerances: canary releases ship verified in flight, rolled back on signal.
SOC 2 Type II attested. ISO/IEC 27001:2022 certified.
SOC 2 Type II
Independently attested security controls.
ISO 27001
Independently certified information security management.
GitOps recovery
Demonstrated rebuild from version control.
Vendor-isolated
Blast radius bounded at the boundary.
Scale with Control.
In the Cloud You Choose.
Container-first, cloud-portable, and independently scalable. On your infrastructure terms, across AWS, Google Cloud, and IBM Cloud for Financial Services.