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.

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