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
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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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 |
| Making a change | Vendor tickets | Configured in the console |
| Integrations | Bespoke, one by one | 60+ providers connected |
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.
Greenfield core, live in weeks
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.
A digital layer, no cut-over
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.
See the core in the product
One ledger, updated as money moves
Every payment, card authorization and internal transfer posts to a single real-time ledger, so balances are always current and each transaction carries its status and full history.
Real-time balances, no overnight batch- Completed, pending and canceled states on every posting
- Full audit trail for reconciliation and reporting
Multi-currency accounts on the core
Hold many currencies on one account, each with current, reserved and available balances, and open personal, business or omnibus accounts with dedicated and virtual IBANs straight from the core.
Payments that post in real time
Move money over SEPA and SEPA Instant, SWIFT and UK schemes with routing that picks the right provider per transfer, currency exchange built in, and each payment posting to the ledger the moment it settles.
Run and watch the core from one console
Your team approves transactions, sets access roles, manages price lists and reconciles from the Back-Office Dashboard, and watches volumes, users and conversions on live charts.
Everything the core does, over an API
Accounts, transfers, cards, limits and reporting are all exposed over a documented REST API, so your apps, channels and partners build on the core cleanly instead of raising vendor tickets.
24/7
real-time processing, no batch window
60+
payment and provider integrations connected
150+
companies run on Crassula
15+
languages the platform speaks
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.
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.
