Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions.
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A Real-Time Core for Digital Banks
Crassula gives a new bank a modern, real-time core: a single ledger, multi-currency accounts, payments, cards and products, with a Back-Office Dashboard to run it. Building greenfield or modernizing on top of an existing core, you skip the batch-driven legacy stack.
- Real-time ledger
- Multi-currency accounts
- Payments and cards
- Product engine
- Back-Office Dashboard
Real-time, not overnight batch
| Legacy core | Crassula | |
|---|---|---|
| Processing | Overnight batch | Real-time, 24/7 |
| Deployment | On-premise, monolith | Cloud-native |
| Time to launch | 18-36 months | Weeks |
| Change | Vendor tickets | Configured in the console |
Where Crassula fits
Building a new bank
Run Crassula as your core from day one: real-time ledger, accounts, payments, cards and products on a modern stack, with no legacy to migrate.
Modernizing an established bank
Keep your system of record and run Crassula as the orchestration and product layer on top, adding a real-time digital channel without a rip-and-replace. We complement the big vendor cores rather than replacing a tier-one system.
What the core covers
Real-time ledger
A single source of truth for balances and postings, updated in real time with full transaction history.
Accounts and products
Multi-currency personal, business and omnibus accounts, virtual IBANs and interest-bearing Vaults.
Payments and cards
SEPA, SWIFT and UK schemes plus card programs, all posting to the ledger in real time.
Fees and pricing
Price lists, per-product tariffs and mark-ups configured without engineering, applied by the core.
Back-Office Dashboard
Operations, reporting, transaction approvals, access roles and reconciliation in one console.
API-first
Everything the core does is exposed over a documented API, so your product and channels build on it cleanly.
Free migration from your current core
Moving off a legacy or first-generation core? Crassula migrates you for free and can run alongside your existing system, so you modernize in stages instead of betting the bank on a single cut-over.
Case Studies
Paysend & Crassula - a banking solution for international companies
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LuxPay is at the forefront of providing advanced financial services, designed to meet the needs of modern businesses and consumers alike.
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Wickie offers secure and scalable fiat and cryptocurrency payment solutions, providing users with digital wallets and seamless financial services across multiple platforms.
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Core banking, explained
FAQ
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.
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.
Yes. Crassula offers free migration from your current core banking system and can run in parallel during the transition, so operations keep running while you move.
Yes. Every core function - accounts, transfers, cards, limits, reporting - is available over a documented API, so your apps, channels and third parties integrate cleanly.
