How we work:
our team inside the bank, alongside yours.
We do not sell consulting hours. We deliver a result in production, built on our own technology: engineering is how we get there, not the product.
The roadmap with the bank
We always start with a proof of concept. Each stage builds on the previous one, and the bank decides when to move forward.
| Stage | What we do | What the bank decides |
|---|---|---|
| 1Proof of concept | We demonstrate the solution with the scope the bank chooses, deployed on its own infrastructure or on a Finhattan test environment. | Where it takes place, and whether the solution fits its architecture and requirements before committing to deployment. |
| 2Deployment to production | We take to production, inside the bank, every feature the institution decides to include; for example, investment in digital assets, stablecoin payments or the full client experience in its app. The scope is tailored to each need. | Which features to include, and approves go-live after its security review and acceptance testing. |
| 3Operation and evolution | We operate the infrastructure and evolve it: new assets, new networks and adaptation to regulatory change. | Prioritises what is added and when. |
| 4Expansion | We add new features on the same infrastructure as the bank needs them; for example, transfers to external wallets, distribution of third-party tokenised assets or service to other institutions. | Which features to enable, each with its own risk assessment. |
Deployment, phase by phase
Deployment plan at the institution
1 · We understand the bankCore system, regulation, operationsFinhattan + bank
2 · We adapt the coreProprietary, modular, customisableFinhattan
3 · We deploy insideOn the bank’s infrastructureFinhattan + bank
4 · We operate and evolveOver the long termFinhattan + bank
Our own senior engineering team, deployed to the institution.
Why it is faster and more adaptable
- A core that is already builtWe start from our own technology, developed and tested. Deployment is spent adapting it to the institution, not building it from scratch, which significantly shortens timelines.
- Adapted, not integratedThe infrastructure fits the bank’s architecture, regulation and operating model and is deployed inside it. The bank does not have to integrate a standard product on its own or depend on a third party’s infrastructure.
- Each deployment speeds up the nextWith our forward deployed model, the experience of each deployment carries into the next, so timelines shorten with every new institution.
What we cover
A small senior team that covers every area of the deployment.
- Architecture and solution designCounterpart to the bank’s architecture and risk teams, and design of the solution for the institution.
- Integration with the bank’s systemsCore system, accounting, position reconciliation and client identity.
- On-chain connectivityNetworks, transaction lifecycle, integration with the bank’s HSMs, and liquidity.
- App and client experienceIntegration into the bank’s app, following its design system.
- Infrastructure and securityDeployment, security hardening and evidence for the bank’s review.
Who does what in each transaction
The bank keeps what is already its own: its clients’ identity, the keys, its licences, its accounting and its rules. The deployed infrastructure provides everything in between.
| Step | Deployed infrastructure | The bank |
|---|---|---|
| Client identification | Uses the identity the bank has already verified. | Keeps its onboarding process unchanged. |
| Pre-trade checks | Applies a configurable policy and limits engine: price, limits and suitability. | Defines the rules. |
| Execution | Provides the order routing and execution software. | Executes transactions under its own licences. |
| Custody | Runs on its HSMs, physical or in its cloud. | Holds custody, with its own keys. |
| Records and reconciliation | Keeps the full history of transactions and positions and reconciles it with the network. | Defines thresholds and the exceptions process. |
| Accounting and tax | Produces the data in the format the bank needs. | Defines its accounting model, records its entries and prepares tax reporting. |
What the bank needs to get started
- A technology counterpartKnows the core system, the architecture and the institution’s release process.
- A risk and compliance counterpartValidates the regulatory framework and the controls that apply to the institution.
- A retail business counterpartDefines the product, the target clients and the launch calendar.
Further reading
- How blockchain integrates with core banking and accountingHow to integrate blockchain operations with core banking and accounting: identity, accounts, positions, reconciliation, entries, DAC8 and proof of concept.
- MiCA and DORA: what changes for a bank that wants to offer digital assetsMiCA and DORA for banks: Article 60 notification, crypto-asset custody, stablecoins, ICT third-party risk, audit rights and exit strategies.