Core banking is a backend system that connects multiple services of the same bank together to deliver operations like card issuer, business account, individual account, IBAN issuer. Codego cloud-native platform replaces the monolithic legacy stack with a modular, API-first architecture deployed incrementally.
Codego cloud-native core banking platform replaces the monolithic legacy stack with a modular, API-first architecture that financial institutions and fintechs can deploy incrementally. Account management, card issuing, payment rails, KYC/AML and reporting are unified in a single system of record, reducing operational complexity and total cost of ownership across the entire banking lifecycle.
Support for 12+ fiat currencies and 500+ crypto assets in a single customer account. Full FX conversion at market rates.
Issue unique EU IBANs per customer instantly. Supports SEPA, SEPA Instant, SWIFT and local payment rails from day one.
Full card lifecycle management: issue, freeze, unfreeze, set limits and monitor transactions in real time from the admin panel.
SWIFT wire transfers integrated out of the box. International payment routing to 79+ countries without additional integration work.
SEPA Instant credit transfers processed in under 10 seconds, 24/7. Full compliance with EPC Instant Credit Transfer scheme.
Integrated liveness detection, document verification and PEP/sanctions screening. Fully automated onboarding pipeline.
Codego Core Banking will allow you to have the essential core to be able to develop and offer financial services. A single platform integrating card issuing, IBAN management, payment processing, KYC and compliance into one unified system.
A selection of consumer banking apps, KYC services, white-label platforms and group properties currently in production on Codego infrastructure.
Business banking application — multi-currency IBAN, prepaid & debit cards, transfers and card controls under Codegopay brand.
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Hybrid crypto and fiat wallet — IBAN account, prepaid card, on-chain settlement and conversion in a single mobile app.
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Neobanking platform delivering branded multi-currency accounts, card programmes and SEPA / SWIFT rails for end-users and merchants.
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Cloud hosting and infrastructure platform for fintechs — virtual servers, web spaces, USDC topup and full deploy stack on demand.
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KYC / AML / liveness verification as a service — face biometrics, document OCR, PEP & sanctions screening via API.
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Self-service white-label card issuing portal — launch a branded prepaid or debit card programme online in days, no integration required.
Visit siteOne partner. All in one. Launch your branded banking platform with EU IBAN, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI‑DSS certified infrastructure.
Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025
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Open programmeCodego BaaS layered on top of the core banking ledger.
EU IBAN issuance with SEPA, SEPA Instant and SWIFT on the same ledger.
Where core banking sits in the BaaS architecture.
Real and virtual IBANs explained.