Overlay deployment, first Capability live in 10 weeks. No replacement or transformation program.
AFI Platform · The Event-Native Substrate
Reads and writes to the systems of record through governed events, so the digital proposition ships above a core that keeps running.
First Capability in production in 10 weeks. Nothing is migrated at launch.
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Modernizing is the Adaptive Digital Banking path for financial institutions with an existing core: ADB deploys as an overlay, reading and writing through governed events while the systems of record keep running. Launch the digital proposition customers expect in weeks, and retire legacy on your own timeline, not the vendor's.
The Modernizing path fits institutions that recognize themselves here.
Customers expect onboarding, accounts, payments, credit, and deposits in one modern experience. The current stack can't ship it.
The systems of record work. There's no appetite, budget, or board case for a replacement program.
New products wait on someone else's roadmap. Change requests are measured in quarters and six figures.
The customer relationship stays with the institution, under its brand, on its terms.
Tier 1, 2, and 3 institutions fit this path; so do digital-first banks built five to ten years ago whose first-generation stack is now the legacy.
Three steps, from wrapping what exists to retiring legacy on your own timeline.
Connect your systems of record to the event-native substrate. They keep running; the substrate reads and writes through governed events.
Launch modern onboarding, channels, and products above the old core. Customers get the new experience while the back office stays put.
Migrate functions off legacy as confidence builds. The substrate makes each move incremental and reversible.
That's Pick & Compose in action: one Capability live in 10 weeks, the rest ready in the Platform.
Accounts · Wallets
Modern accounts and wallets above the existing ledger. The common first move when the proposition gap is the customer experience itself.
Payments · FX
Multi-rail payments: instant schemes and stablecoin rails the current stack can't reach. The first move when payments are the pain.
Credit
Digital credit origination and servicing above existing books. The first move when time-to-yes is losing deals.
Deposits
Term and demand deposit products launched in weeks. The first move when funding costs drive the agenda.
Expansion runs on the same integration model. The second Capability never pays the integration tax twice.
The alternative to Modernizing isn't standing still. It's another point vendor per gap: one for onboarding, one for payments, one for cards, each with its own contract, integration, and failure mode.
The event-native substrate is plumbed once. Every Capability inherits it.
Consistent policy, audit trail, and controls across everything launched above the core.
Compose Capabilities on your calendar, not a vendor queue’s.
Add the substrate where it pays off first, then expand.