For credit unions, banks and fintechs

A modern digital bank, launched under your own name.

Coreledgerpay is licensed banking software: a complete member app, a staff console with the controls your risk team expects, and a dedicated deployment for every client.

Watch the 2-minute overview See the live demo

The demo is a live environment. Money in it is simulated.

The home screen: an available balance with Add money, Send, Move and Cards buttons, an assistant card, accounts, and recent activity.
The cards screen: perks, a gambling block switch, and a virtual card with freeze and settings buttons.

Your own deployment

Each client runs on its own database and cluster resources. No client's data shares infrastructure with another's.

Two-person approval

Manual money movement needs a second staff member to approve it, and every staff action is logged.

Internal review, fixed

Findings from our internal security review are fixed and covered by tests. An independent test is planned.

Bring members over

Bulk import, a claim-your-account flow and a reconciliation queue for converting existing members.

What your members get

The experience people expect from the best digital banks, under your name and colors.

Home screen with balance and quick actions.

One clear balance

Add money, send, move and cards are one tap away, with recent activity underneath.

The Transfer menu: ask the assistant, pay someone, and move your own money.

Every way to pay

Pay people by email, send to a card or bank, move money between accounts, or send a wire.

Cards screen with perks, a gambling block switch and a virtual card.

Cards members control

Freeze a card in one tap, set spending limits and block categories.

Activity list: a pending payment is labelled, money in is green, spending is plain dark text.

History that makes sense

Clear statuses, searchable activity and monthly statements.

Also built in: savings pots, budgets, spending insights, personal loans with instant decisions and e-signing, family accounts, and an assistant that proposes actions a member confirms before anything moves. Screens above show sample data.

Controls your risk team will ask about

The staff console is where a credit union runs the product day to day, and where most of the due-diligence questions land.

Read the vendor overview Security and trust
  • Role-based accessSupport, compliance, finance and admin staff each see only what their role needs.
  • Two-person approvalThe person who requests a manual balance change cannot approve it. The system refuses.
  • A record of every actionWho did what, to whom and when. If the record cannot be written, the console reports an error instead of success.
  • Work queuesIdentity checks, disputes, fraud alerts, check deposits, loans and wires.
  • Staff sign-in protectionTwo-factor sign-in is available, with lockouts after repeated failures and automatic sign-out when idle.
The staff console overview: counts of identity checks, check deposits, loans, wires, disputes and fraud alerts waiting for review, with recent staff activity underneath.

Start the day with what is waiting

Every review queue with a count, and a record of recent staff activity.

The wire review queue: pending outgoing wires with the beneficiary, the bank, and the account number masked to its last four digits.

Review before money leaves

Outgoing wires are held for a person to release or decline. Account numbers are masked until a reviewer asks to see them.

A confirmation dialog titled Release this wire, naming the amount and beneficiary, with Cancel selected and a red Release wire button.

Confirm what you are about to do

Irreversible actions name themselves and default to Cancel, so a stray keypress cannot send money.

Screens show sample data, not real customers. Click a screen to see it full size.

Where to start

Pick the path closest to your question. Everything is written to be read, not to sell.

Credit unions and banks

How it fits your members, your core and your risk team.

Fintechs

Launch a consumer app on your sponsor bank.

Investors

What is built, what has been reviewed, and what is still open. Round size and terms are shared directly: email us.

Try the app: iPhone (TestFlight) Android Web app

How a launch works

Five steps from a first conversation to live members. Our plan for a first pilot is three to six months from a signed agreement. No client has done this yet, and we will say so if you ask.

  1. Walkthrough. A 30-minute video call. Bring your own questions and your risk team.
  2. Scope and security review. We agree the pilot, which sponsor bank, card, identity and core providers you will use, and we complete your security questionnaire.
  3. Your own deployment. We stand up an isolated environment under your name and colors, connected to your providers in test mode first.
  4. Move members in cohorts. Import in batches, let members claim their accounts and re-verify, and run alongside your current system until you are confident.
  5. Go live and stay close. Hands-on support during the pilot from the team that built the platform.

Book a walkthrough   Read the design partner overview

Where we are, plainly

We would rather you hear it from us than find it in diligence. Updated November 2026.

Built and working
  • Member app on iOS, Android and the web
  • Staff console with approvals and audit log
  • Dedicated deployment and member-migration tools
  • Internal security reviews and AI-assisted testing, with findings fixed
Next
  • A first design-partner client
  • Independent penetration test and SOC 2
  • A real sponsor-bank or core connection
Not yet
  • No client is live on it today
  • No real money has moved. Payment rails in the demo are simulated
  • Coreledgerpay is software, not a bank

See it with your own questions

A 30-minute live walkthrough for your team. Bring your member experience, your controls and your core.

Book a walkthrough

Prefer email? dev@coreledgerpay.com