Real-time · Resilient · Self-reliant

Core banking, rebuilt from the ground up

Real-time processing, transparent TCO, and compliance by design — so your bank can launch modern products without legacy constraints.

A note from the founders

For decades, we ran and replaced legacy core banking systems in production. The same problems kept surfacing: slow change, rising costs, fragile data, and total dependence on consultants. Solid was built to eliminate them. Real-time by design. Operated by your team. Built to scale — without the overhead.

WHY SOLID

Solve complex banking operations with less work

The fastest way to evaluate a core platform is to make the contrast clear. Here is the practical difference between legacy setup and the Solid operating model.

The legacy way

Heavy systems and slow change

Monolithic data silos and batch windows
Consultancy-heavy customization to launch products
Delayed insight for risk, finance, and operations
Long implementation programs with unclear TCO

The Solid way

Modular, real-time, and controlled rollout

JIT architecture with no end-of-day dependency
Standard modules configured for each bank program
Compliance by design
Predictable performance — predictable TCO

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PLATFORM

Solid owns the banking stack end to end

A core that runs on top of an ERP inherits that platform's release cycles, licensing, and upgrade obligations. Solid is built so the layer underneath banking is infrastructure only — not another vendor's product.

OWNED STACK

One integrated platform — no third-party system underneath

Competitors built on Microsoft Dynamics or other ERPs inherit that vendor's release cycle, licensing model, and tooling. A small change to the banking layer can require an update of the ERP beneath it. Solid owns the full stack — changes are isolated, deploy independently, and carry no hidden vendor tax.

No third-party ERP or middleware between Solid and the database.
One release cycle, one licensing model, one operational playbook.
Configuration and module changes ship without cascading upgrades.

THREE LAYERS

Core, Integrations, and Administration — separation of concerns by design

Three layers, each with a distinct change cadence. The Core stays still. Integrations move with the world around it. Administration is where the bank's own team operates the platform.

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PRICING

License is rarely the biggest line

Core platforms are multi-year decisions. Operating cost and consulting dependency usually dominate total cost — not the license headline.

Lower Total Cost of Ownership

In contrast to the legacy iceberg model, Solid accepts a slightly higher license line in exchange for lower steady-state operating and consulting cost. Same architecture that makes it real-time also makes it cheaper to run and cheaper to change — resulting in much lower total cost of ownership.

License — architecture and compliance evolution are part of the deal, not extra statements of work.
Operating — cloud-native, no hidden ERP runtime, no batch-peak overprovisioning.
Consulting — configuration-led product and policy change, not specialist-dependent.

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PRODUCTS

Loan, credit, and deposit on one real-time core

Solid is built for teams who want their full product portfolio — instalment lending, revolving credit, and deposits — on the same ledger, configured the same way, with the same controls.

LOAN

Instalment & term lending

Configurable amortization, fees, and payment schedules
Restructuring, settlement, and exception handling as first-class events

CREDIT

Revolving credit & cards

Real-time credit limit and available-balance logic
Transaction-level authorization inputs and utilization controls

DEPOSIT

Call & term accounts

Real-time balance behaviour and interest accrual
Reporting and compliance evidence aligned to product state

ONE INSTALLATION, MANY MARKETS

Multi-country, multi-entity, and multi-currency natively

Groups can scale across markets without standing up parallel deployments. Same product portfolio, country-specific configuration where regulation requires it, distinct entities and currencies on one installation.

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REALTIME + AI

Real-time processing turns AI into an operational control layer

Solid is built on a just-in-time architecture — no batch windows, no end-of-day jobs. Every balance, transaction, and state change is current as it happens, which makes AI agents materially more useful for fraud, risk, and decisioning.

DECISION LOOP

From event to decision in 60 milliseconds

Fraud and risk decisions run end-to-end on live core state — without a single nightly job in the path. The same pattern applies to credit limits, exposure checks, and operational holds.

LIVE EVENT

Transaction enters Solid

The event is ingested the moment it happens — no batch window, no staging table. T + 0 ms
STATE JOIN

Context from live state

Customer, account, limits, and signals are read from current state — not rebuilt from overnight exports. T + 2 ms
MODEL

Score risk and intent

The selected AI model runs on a real-time context window and returns a decision in milliseconds. T + 50 ms
DECISION

Approve, hold, or escalate

The outcome is applied before settlement finalizes — not after the loss has left the building. T + 60 ms

WHAT CHANGES

Current state replaces end-of-day snapshots

Real-time isn't a feature bolted onto a batch system — it's an architectural property. When the core itself posts continuously, every downstream consumer sees current state without rebuilding it from exports.

Finance reads current numbers

Continuous access to current reporting — no end-of-day wait, no reconciliation buffer between operations and finance.
Fraud acts in-flight

Signals are scored while events unfold and outcomes apply before settlement finalizes — not after the loss has left the building.
Infrastructure smooths out

No nightly batch spikes, no oversized servers sized for end-of-day peaks. Operating cost falls with the load profile.
AI agents work on live state

Ordered deltas from current state make context windows accurate, prompts smaller, and inference cheaper than rebuilding state from snapshots.

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API

One API surface — for humans, services, and AI agents

Compact, contract-first endpoints across loan, credit, and deposit — and a first-class MCP server that lets agents read live core state through the same auth, audit, and event semantics as human-driven calls.

UNIFIED SURFACE

Same operations across loan, credit, and deposit

One compact, contract-first API — no parallel endpoint families per product type, no wiring together siloed systems. Webhooks, streams, and replay are first-class, not afterthoughts.

POST /v1/accounts

// Same shape: loan, credit, or deposit
{
  "account": {
    "account_type":   "Main",
    "product_ref":    1,
    "account_status": "Open",
    "opened_date":    "2026-04-27",
    "agreement_envelope_id": "A2349871592",
    "limit":          null
  }
}

← 201 Created in 43ms

AGENT-READY

MCP-native — agents share the same surface as humans

Solid ships with a first-class Model Context Protocol server in front of the core API. Agents inherit the same auth, scopes, audit trail, and event semantics as human-driven integrations — there is no bespoke agent layer to build, maintain, or harden separately.

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COMPLIANCE

Compliance produced by the service that owns the state

Native compliance — not a separate module wired in via integrations. The same service that posts the transaction also produces the audit trail, the regulatory report, and the data-subject evidence.

NATIVE, NOT BOLTED ON

One source of truth, end to end

Most legacy cores added compliance as separate products — KYC portals, AML engines, reporting extractors — wired in via integrations. Each keeps its own copy of customer data, its own version of "truth", and its own release cadence. Solid is architected so compliance surfaces are produced by the same service that owns the underlying state.

Configurable retention policies for both customer and employee personal data — enforced by the platform.
New regulations become configuration work, not a multi-quarter integration project.
Encryption, access, and audit evidence are platform defaults — not a checklist run before every review.

REGULATORY COVERAGE

Built into the core, ready to file

Tax reports, cross-border regimes, and Swedish regulatory exchanges are produced directly from posted ledger events — no separate reporting warehouse, no end-of-period reconciliation step before a regulator can be answered.

Common Reporting Standard
Foreign Account Tax Compliance
Mekanismen (SKV)
Bankinfo exchange
KU-forms (Skatteverket)
Digital Operational Resilience

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ENTERPRISE READINESS

Everything required to run and evolve in production

Solid combines modular core services, future-ready compliance capabilities, and stable integration interfaces so banks can add requirements quickly, monitor continuously, and follow up without core rewrites.

Modular Core

Independent services designed for banking workloads
Real-time posting, ledger, and reporting paths
Change isolation between core and integration layers

Microservices
Real-time ledger
Independent scaling
Change isolation

Compliance by Design

Compliance is part of the platform architecture, not a bolt-on afterthought
New regulatory and policy requirements can be configured and rolled out quickly
Monitoring, alerts, and follow-up workflows stay visible in one operating model

Security
Audit logs
Access logs
Reporting
Monitoring
Access control
Encryption
Tax workflows
Immutable lineage
Alerting
Configurable requirements

API and Integrations

Versioned APIs, webhooks, and event-driven data flows
Connect rails, partners, and internal systems without core rewrites
Clean interfaces for BI, operations, and automation tooling

Versioned APIs
Webhooks
Event streams
Clear service contracts

Loan and credit flows

Built for configurable product definitions and lifecycle events.

Deposit operations

Support for configurable terms, limits, and reporting obligations.

Multi-entity support

Operate across entities, currencies, and partner channels.

Integration lifecycle

Stable contracts and predictable upgrades over long operating horizons.