Platform
Every block is a module. Take all of it, or only what you need.
Six layers separate what changes often from what must not. Channels and journeys change with customer expectations; the integration layer translates between channels, rails and systems; the core keeps balances and postings correct.
Digital channels
Native iOS and Android app in the institution's brand, retail and SME internet banking, agents and merchants, and open banking APIs.
Customer journeys
eKYC and eKYB onboarding, hybrid journeys that start in the app and finish at the branch, and financing applications.
Operations
The operations console for product configuration, approvals, users and customer service, plus payment reconciliation.
Integration
An API gateway with OAuth 2.0, mutual TLS and rate limits, and middleware that connects existing systems and national rails.
Core
The system of record for customers, loans, deposits and the general ledger, with real-time double-entry postings.
AI services
Optional modules beside the platform that read only through governed APIs.
The neotra core
The core holds client data, manages loan and savings portfolios, posts every transaction to an integrated real-time ledger and provides the reporting layer the other modules read from.
- Flexible product configuration
- Loan, deposit and Islamic products are configured to the institution's rules, not coded.
- Customer and KYC records
- Individuals, legal entities, groups and centres, documents with expiry tracking, and custom fields without code.
- Business rule sets
- Four-eyes approval and configurable workflows on any command the institution selects.
- Payment recognition
- Configurable allocation across principal, profit, fees and penalties.
- Portfolio management
- Arrears ageing, provisioning, charge-off, write-off and restructuring with its own audit trail.
- Real-time accounting
- Double-entry postings at the moment of each transaction, with accounting closures by branch.
- Close of business
- Nightly batch for accruals, arrears and profit posting, partitioned across worker nodes.
What the institution gets
| Module | Capabilities |
|---|---|
| Lending | Declining balance or flat schedules, equal instalments or equal principal, grace periods, multiple tranches, BNPL down payments and an SME working capital product. |
| Deposits and wallets | Savings, current accounts with overdraft, fixed and recurring deposits, holds and liens, and e-wallet and prepaid accounts. |
| Mobile app | Balances, statements and savings goals, instant transfers by alias or IBAN, bill payment, Murabaha offer acceptance, card freeze and biometric login. |
| Onboarding | National ID and passport capture, face match with liveness, national digital ID verification, sanctions and PEP screening, and risk rating. |
| Operations console | Configure, test and approve products, one approval queue with SLA timers, role permissions down to individual actions, and a customer 360 view. |
| Payment reconciliation | Instant payment, bill payment and ACH settlement files matched to ledger postings, with every exception explained and a correcting entry proposed. |
| Internet banking and agents | SME multi-user access with maker and approver roles, bulk payments and payroll files, agent cash in and cash out, and merchant QR acceptance. |
Starting packages
| Package | Modules included | Suited to |
|---|---|---|
| Non-bank lender | Core, mobile app, onboarding, process automation, operations console, payment operations, API gateway | Microfinance companies, consumer and SME finance companies |
| Digital bank | Full platform, including internet banking, agents and open banking APIs | New digital banks and digital subsidiaries |
| Channel upgrade | Mobile app, onboarding, API gateway and middleware in front of the existing core | Banks replacing an app or adding digital onboarding |
| Product engine | Core, GL bridge, operations console and payment operations beside the existing core | Banks launching new lending, deposit or Islamic products |
Start with a two-hour discovery session
With your business, finance, IT and Shariah teams, we select the modules, the first product line and the pilot's exit tests.