Institution Starter
Regional banks and PSPs
Single-tenant deployment with payment and settlement basics plus audit exports.
Core Components
Payment nodeSettlement nodeAudit tooling
Delivery: Managed private environment
Institution Mode extends core banking into payment, clearing, settlement, and compliance overlays. It is designed for banks and regulated operators running dedicated infrastructure.
North Star
Institutions can net obligations across participants, settle through adapter frameworks, and maintain compliance evidence without breaking conservation invariants.
This documentation page is aligned with the following OpeniBank v4 planning files.
Regional banks and PSPs
Single-tenant deployment with payment and settlement basics plus audit exports.
Core Components
Delivery: Managed private environment
Clearing groups and consortium operators
Adds clearing-house orchestration and participant netting cycles across entities.
Core Components
Delivery: Consortium deployment
Tier-1 institutions
Full compliance extension stack, custom settlement adapters, and regulatory reporting.
Core Components
Delivery: Dedicated on-prem or sovereign cloud
Institutional flows are decomposed into dedicated nodes to isolate operational concerns.
Separate transaction initiation from netting logic while preserving atomic settlement handoff.
Settlement execution is abstracted behind adapters so institutions can map to their required rails.
Enable deterministic settlement orchestration while allowing environment-specific connector implementations.
Compliance controls are delivered as modular packs instead of hard-coded monolith rules.
Allow institutions to apply jurisdiction-specific controls without forking the transaction core.
Institution deployments support private cloud, on-prem, and hybrid models with configurable branding and control planes.
Provide deployability that matches enterprise regulatory, latency, and sovereignty requirements.
Role-based access control for local portal and openibank.com online operations, including MFA, approvals, and audit trails.
Provide one access governance model that works for self-hosted local nodes and online enterprise tenants.