Vault Core's real-time Ledger gives banks complete control over the management of data. There is a strict separation between configuration of smart contracts, and the underlying Ledger.

Vault Core has been built to support any bank and any product on a single ledger. All data is transmitted in and out of the Ledger in real time, providing rich data streaming for AI and reporting.

The Universal Product Engine and Ledger have been designed to support a high degree of banking complexity on a single instance of the platform. This includes multiple banks, multiple currencies, operations teams, branches, business lines a,nd reporting. It has the ability to differentiate between ring-fenced and committed funds.

Our Ledger has the flexibility to slice and dice balances into any structure, while giving banks unrestricted visibility, enabling powerful and pepersonalizedeal-time reporting capabilities. Banks can use AI on this data to personalize propositions for customers.

Transactions are processed in real-time, with no batch processing. The Ledger is always available and accessible, and the rich data is streamed out via our Streaming API.

Banks can use the Ledger to manage sophisticated lines of funds in any asset or denomination. They can manage anything from international currencies to securities and reward points.

With our Ledger, banks can have a flexible approach to back-book migration that makes the process of migration faster, more efficient, and less error-prone, and ingest historical customer and ledger data.