Platform for cognitive banking
THE BANKING PLATFORM BUILT FOR
Intelligence, scale and control.
One platform. Not stitched systems.
The Architecture Of Clayfin Platform
A layered platform model that keeps customer experience, enterprise integration,
data intelligence and banking operations working as one system.
LAYER 01
Experience Layer
Build once. Deliver across every banking channel with reusable experience assets and embedded digital security controls.
Applications
✓Mobile banking for iOS, Android and Huawei
✓Responsive web banking on modern front-end stacks
✓Journeys across WhatsApp, IVR, branch and assisted channels
Security built in
✓MFA, OTP, biometrics and secure session controls
✓SSL pinning, SIM binding and geolocation checks
✓Jailbreak, RAT, VPN and screen recording detection
Foundation
✓Shared components, utilities and UI libraries
✓Themes, design tokens and configuration stores
✓Regional extensions and feature flags
Delivery
✓Cross-platform deployment-ready builds
✓Reusable navigation and state management
✓Consistent experience across channels and markets
LAYER 02
API & Service Layer
Standardised service contracts and orchestration that keep every banking journey connected to core, channels and partners.
Service mesh
✓RESTful and GraphQL service catalogues
✓Event-driven orchestration via webhooks
✓gRPC and high-throughput streaming
Governance
✓Rate limiting, throttling and quotas
✓Fine-grained authorisation per endpoint
✓Audit-grade request and response logging
Contracts
✓OpenAPI-first design
✓Versioned, backwards-compatible endpoints
✓Mock servers for parallel front-end work
Developer experience
✓Self-serve API portal with live docs
✓Generated SDKs for client teams
✓Sandboxed environments for partners
LAYER 03
Integration Layer
Event-driven plumbing that moves data and instructions between cores, channels, partners and analytics — without point-to-point sprawl.
Cores
✓Real-time hooks into core banking systems
✓Lending, deposits and cards platforms
✓Legacy host adapters with circuit breakers
Partners
✓Credit bureaus and KYC providers
✓Fintech ecosystem and BaaS partners
✓Government and regulator interfaces
Networks
✓Card networks (Visa, Mastercard, Rupay)
✓UPI, IMPS, NEFT, RTGS
✓SWIFT and correspondent banking
Analytics
✓Stream to data warehouse and lake
✓CDC for source-of-truth replication
✓Event enrichment for downstream models
LAYER 04
Cognitive Layer
Data, analytics and AI working as one decision layer — owned by the bank, run on-prem.
On-prem models
✓LLMs hosted inside the bank perimeter
✓NLU / RASA for conversational flows
✓ONNX runtime for inference at the edge
Data plane
✓Schema validation and data cleansing
✓CDC and incremental loading
✓Audit and lineage for every record
Signals
✓Categorisation, forecasting and anomaly detection
✓Recommendation engines for cross-sell
✓Nudges and next-best-action ranking
Outcomes
✓Approve / decline with explainability
✓Risk scoring with reason codes
✓Personalisation across every journey
LAYER 05
DevOps & Security
Continuous deployment, observability and security baked into the platform from day one.
CI / CD
✓Trunk-based development with GitOps
✓Blue-green and canary releases
✓Automated rollbacks on SLO breach
Security
✓Zero-trust networking inside the platform
✓Secret rotation and HSM-backed keys
✓Continuous vulnerability scanning
Observability
✓Distributed tracing across services
✓Metrics, logs and audit trails unified
✓Real-time alerts wired to on-call
Compliance
✓RBI, SEBI, GDPR-ready by default
✓Immutable audit logs
✓Back-up, restore and disaster recovery
Clayfin Cognitive Platform — Layer Flow
Domain-agnostic · On-prem · No third-party calls · GPU / CPU hybrid
What This Architecture Enables
Clayfin platform gives banks a more controlled way to build, connect and evolve digital banking experiences.
Faster rollout of
journeys
Reusable layers reduce rebuild effort across markets, products and channels.
Consistent
customer
experience
Shared components and architecture patterns help journeys feel unified.
Controlled
integration
Data, analytics and AI operate inside the bank’s governance boundary.
Secure
operations at
scale
Security, observability and delivery controls support continuous evolution.
Designed For Banks That Need Both Speed And Control
Clayfin platform keeps product agility, architecture
governance and operational resilience close to the
platform instead of scattering them across
disconnected tools.
Progressive technical depth
Business buyers can scan the platform quickly while
technical teams can explore layer-level capabilities.
Architecture visibility
A clear layered model helps technology, product and
operations teams work from the same platform map.
Diagram-led storytelling
Each diagram answers a specific question instead of
becoming a crowded enterprise architecture chart.
Clayfin Platform Powers 200+ Projects Globally Across 7 Countries
Large PSU bank needed to modernize retail and corporate banking without replacing core banking system
New small finance bank needed complete digital banking platform in 6 months to meet regulatory deadline
Adding mobile, API, and WhatsApp without rebuilding everything
From Digital Banking
To Cognitive Banking
Clayfin Platform gives banks one platform to build experiences, connect systems, activate intelligence and operate with confidence.