--- title: "Core Banking Platform | Accounts, Payments and Product Rules" description: "Configure banking products, accounts, payment connections and operating permissions with Crassula. Scope a launch or integration with existing systems." url: "https://crassula.io/solutions/core-banking/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/core-banking/" "de": "https://crassula.io/de/solutions/core-banking/" "es": "https://crassula.io/es/solutions/core-banking/" "fr": "https://crassula.io/fr/solutions/core-banking/" "x-default": "https://crassula.io/solutions/core-banking/" index: "https://crassula.io/llms.txt" --- Core Banking Platform # Build your next banking product on a core that can change. Bring account products, pricing and payment operations together. Connect the providers you need, give your team clear controls and choose a rollout that fits your existing stack. [Discuss your architecture](https://crassula.io/request-demo/)Explore the integration Account products Price lists Back-Office Dashboard API ## Connect the services behind your bank. [![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.22e87da8ec38.webp)](https://crassula.io/connectors/app/openpayd/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.78e0d73a66be.svg)](https://crassula.io/connectors/app/currencycloud/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.601ca9d42059.png)](https://crassula.io/connectors/app/railsr/) [![ClearBank](https://crassula.io/static/images/solutions/connector-logos/clearbank.02d614737cef.png)](https://crassula.io/connectors/app/clearbank/) [![Modulr](https://crassula.io/static/images/solutions/connector-logos/modulr.340e74488e6e.png)](https://crassula.io/connectors/app/modulr/) [![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.259abf05fa66.png)](https://crassula.io/connectors/app/sumsub/) A selection of our connectors [Explore all connectors](https://crassula.io/connectors/) The people behind your platform ## Build the team behind a better banking experience. Give operations, payments and compliance teams a shared place to work, with access and approval responsibilities shaped around your business. - Clear roles and responsibilities - One connected operating environment ![A financial product team working together in a studio.](https://crassula.io/static/images/features/people/team-1200.97b7ec66c735.webp) Case Studies ## See what teams build with Crassula. ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.7d1fa138b9ba.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula ### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/) Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product. [Read case study: LuxPay](https://crassula.io/cases/luxpay/) ![Paysend](https://crassula.io/static/images/solutions/cases/logo-paysend.1177d744fb9a.png) - SEPA Credit - SEPA Instant - SEPA Direct Debit Live on Crassula ### [SEPA connectivity for a global payments business.](https://crassula.io/cases/paysend/) A technical connector for SEPA Credit, SEPA Instant and SEPA Direct Debit, with back-office and ledger capabilities. [Read case study: Paysend](https://crassula.io/cases/paysend/) Built around the decisions your team makes ## The product should evolve. The operating model should stay clear. 01 ### Shape the account product Define personal and business account structures, currencies and provider defaults before you bring the product to customers. [Explore accounts →](https://crassula.io/features/accounts/) 02 ### Make pricing part of the product Set reusable price lists with fixed, percentage and recurring fees. Keep the commercial model connected to the service you deliver. [Product pricing →](https://crassula.io/features/prices/) 03 ### Give operations a defined role Configure permissions and payment approvals so your team can work within a clear policy as the product grows. [Back-Office Dashboard →](https://crassula.io/features/dashboard/) Your starting point matters ## Launching something new or changing what already runs? These are different projects. Start with the path that matches your institution, your data and your operating responsibilities. A new product ### Start with the banking model you want. Configure the initial account products, tariffs and approval policies. Connect the providers and customer channels required for your first release. 1. Define products and responsibilities 2. Connect providers and interfaces 3. Validate the end-to-end journey An existing institution ### Plan the transition around what must keep working. Review the current system, data scope and integrations with our team. Crassula can run alongside an existing core; the migration approach depends on your requirements. 1. Map the current operating model 2. Agree the scope and data requirements 3. Validate the transition plan Moving off a legacy or first-generation core? Crassula can even migrate you for free depending on the amount of data, and can run alongside your existing system, so you modernize in stages instead of betting the bank on a single cut-over. A connected foundation ## Keep your product, providers and interfaces in the same conversation. Use documented APIs to connect your own experience. Select integrations for the capabilities your programme needs. Product configuration and provider availability determine what your customers can use. Customer channels**Your web and mobile experience** **iOS****Android****Web****API** ![Crassula](https://crassula.io/static/images/logo/crassula/logo_green_white.81fcb96d9dec.svg) Crassula **Accounts****Pricing****Permissions****Approvals** Connected services**Banking providers and payment rails** ![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.22e87da8ec38.webp)![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.78e0d73a66be.svg)![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.601ca9d42059.png) Built for developers ## Build accounts into your own experience. Open a named account from your own product. Connect the account journey to the banking capabilities available in your Crassula environment. - Create an account for an existing client - Pass the account name, currency and country - Use the returned account in your next journey [Explore the API docs](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) POST`/api/clients/{clientId}/accounts` Node.js · native fetch ```text // Create an account const baseUrl = process.env.CRASSULA_BASE_URL; const apiKey = process.env.CRASSULA_API_KEY; const clientId = process.env.CRASSULA_CLIENT_ID; const path = `/api/clients/${encodeURIComponent(clientId)}/accounts`; const response = await fetch(`${baseUrl}${path}`, { method: 'POST', headers: { Authorization: apiKey, 'Content-Type': 'application/json', }, body: JSON.stringify({ "name": "Everyday account", "currency": "EUR", "countryCode": "DE" }), }); if (!response.ok) throw new Error(`HTTP ${response.status}`); const data = await response.json(); ``` **Create an account** Account availability and verification requirements follow your configured product and provider. [View API reference](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) Crassula Connectors ## Connect the services your product needs. Choose integrations that fit your programme, market and required capabilities. [![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.09efeb9af333.png)Accounts and payments](https://crassula.io/connectors/app/openpayd/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.601ca9d42059.png)Accounts and cards](https://crassula.io/connectors/app/railsr/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.78e0d73a66be.svg)FX and payments](https://crassula.io/connectors/app/currencycloud/) [XE FX and payments](https://crassula.io/connectors/app/xe/) [Explore all connectors](https://crassula.io/connectors/) Your market ## Launch under your licence What the platform covers for your licence and country: the regulator's IT questions, rails, providers and dates. Canada · MSB ### [Core banking for Canadian MSBs](https://crassula.io/solutions/core-banking/canada-msb/) A multi-currency ledger for FINTRAC-registered MSBs that hold client money: CAD and USD balances per client, the transaction data behind your FINTRAC reports, and the end-of-day records the Bank of Canada expects under the RPAA. See what we cover → Lithuania · EMI ### [Core banking for Lithuanian EMIs](https://crassula.io/solutions/core-banking/lithuania-emi/) The ledger and back office behind a Bank of Lithuania EMI: own LT IBANs, a CENTROlink connector for SEPA and the ICT documentation DORA asks for. See what we cover → United Kingdom · EMI ### [Core banking for UK EMIs](https://crassula.io/solutions/core-banking/uk-emi/) A ledger built for e-money: client-level balances, the data your daily safeguarding reconciliation needs, and UK rails through ClearBank and Clear Junction. See what we cover → Guides ## Core banking, explained ![Core Banking Systems in 2026: The Complete Guide](https://crassula.io/static/images/guides/what-is-core-banking/core-banking-ledger-preview-960.712049d221e0.jpg) ### [Core Banking Systems in 2026: The Complete Guide](https://crassula.io/solutions/core-banking/guides/what-is-core-banking/) ![Banking Software in 2026: The Complete Buyer's Guide](https://crassula.io/static/images/guides/banking-software/banking-software-case-preview-960.7e975d6e5426.jpg) ### [Banking Software in 2026: The Complete Buyer's Guide](https://crassula.io/solutions/core-banking/guides/banking-software/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Core Banking ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Is Crassula a full core banking system? For a new or challenger bank, yes - Crassula provides a modern real-time ledger, accounts, payments, cards and products you can run as your core. For a large established bank, Crassula is best used as the orchestration and product layer on top of your existing system of record, not a replacement for a tier-one core like Temenos or Thought Machine. How long does a core implementation take? A greenfield launch on Crassula takes weeks, versus the 18-36 months typical of a traditional core program. Modernization projects that run Crassula alongside an existing core are staged, so you avoid a single high-risk cut-over. Can we migrate from our current core? Yes. Crassula can run in parallel with your current core during the transition, so operations keep running while you move. Depending on how much data comes across, the migration can even be free. Is it API-first? Yes. Every core function - accounts, transfers, cards, limits, reporting - is available over a documented API, so your apps, channels and third parties integrate cleanly. Core Banking ## Bring your next product. We’ll map the foundation. Talk through your account model, connected services and rollout requirements with our team. [Discuss your architecture](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)