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eMACH.ai
Central Core Banking
A First-Principles Core for Central Banking Operations
Case study
Proven at National Scale
Trusted by central banks to run mission-critical payment, settlement, and treasury operations with real-time processing, zero tolerance for failure, and uncompromising regulatory compliance.
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Microservices on Cloud
1214
APIs supporting
Central Core Banking
200+
Events supporting
Central Core Banking
200+
Events supporting
Central Core Banking
Key Trends Transforming Central Banking
Central Banking Evolution
24×7×365 Instant Settlement
- 24×7×365 instant settlement
- Interoperability across banks, wallets, fintechs & payment rails
- High-throughput, fail-safe architectures
CBDC Integration Ready
- Tokenized value issuance & tracking
- Hybrid ledger + core accounting models
- Retail & wholesale CBDC distribution via banks & fintechs
Digital Securities & Smart Contracts
- Digital securities issuance & settlement
- Tokenized government debt instruments & repo
- Smart contract-based market operations
Strategic Aspirations for Modern Central Banks
Meeting the evolving demands of national financial stability
1
Financial System Stability
- Maintain stability of the national financial system
- Real-time monitoring of systemic risks
- Comprehensive regulatory oversight
2
Currency & Payment Innovation
- Lead digital currency transformation
- Enable CBDC implementation
- Modernize payment infrastructure
3
Market Infrastructure Excellence
- Strengthen market infrastructure
- Support tokenized assets
- Enable smart contract operations
4
Data-Driven Policy Making
- Leverage real-time financial intelligence
- Sectoral analytics and stress testing
- Informed monetary policy decisions
Powering the Integrity of the Financial System
Unmatched Operational Resilience
Designed for fail-safe operations, ensuring uninterrupted national payment, settlement, and government banking services.
Real-Time Financial Oversight
Instant visibility across liquidity, collateral, settlements, and systemic risk positions.
Zero-Reconciliation Architecture
Single source of truth across cash, securities, and accounts—eliminating operational discrepancies.
Sovereign-Grade Compliance & Control
Built to meet stringent regulatory, audit, and security mandates of central banks and monetary authorities.
A future-ready core banking platform purpose-built for corporate and wholesale banks, combining modular design, real-time intelligence, and open ecosystems to deliver agility, scale, and continuous innovation without disruption.
Intellect’s Central Core Banking platform is a comprehensive, real-time core system purpose-built for central banks, monetary authorities, and financial market infrastructures.
It supports the full spectrum of central banking operations—government and bank accounts, payments and settlements, liquidity and collateral management, public debt, and financial market operations—on a single, unified, always-on core.
Built on a modern, composable, and event-driven architecture, the platform enables central banks to move away from fragmented legacy systems toward an integrated operating model. With real-time books and positions, embedded risk controls, and seamless interoperability across national and global financial ecosystems, the solution safeguards the integrity, stability, and efficiency of the financial system while enabling progressive modernization without operational disruption.
World’s Premier Central Banking Solution
Beyond a core banking system—comprehensive financial risk management safeguarding the integrity of central banking operations
Central Core Banking
Unmatched Efficiency
- Streamlined operations
- Real-time processing
- Zero reconciliation
Complete Composability
- Modular architecture
- Flexible deployment
- Rapid adaptation
Enterprise Scalability
- High-throughput systems
- Fail-safe architectures
- 24×7×365 availability
Comprehensive Central Banking Capabilities
1. Reserve and Collateral Management
- Advanced reserve portfolio management
- Multidimensional risk analytics
- Sophisticated collateral management using multiple pools
- Comprehensive security eligibility and revaluation controls
- Maintain securities in multiple depositories
2. Banking and Government Services
- Comprehensive online portals for banks and government entities
- Over 250 services available
- Real-time balance consolidation
- Automated surplus/deficit management
- Comprehensive government services Portal
3. Currency and Payment Lifecycle
- Efficient currency lifecycle management
- From planning to distribution to destruction
- Comprehensive online portal
- Advanced payments and settlements engine
- High-volume government payments processing
- Security/collateral transaction processing
4. Depository and Public Debt Management
- Digitized end-to-end public debt management
- Central and state government support
- Complete lifecycle support for securities
- Management up to redemption
5. CBDC - Central Bank Digital Currency
- Supports digital currency payments and settlements
- Enables seamless transition to CBDC
- Retail and wholesale distribution models
- Tokenized value tracking
6. Credit, Market and FX Operations
- Faster policy implementations
- Support for wide range of market operations
- Multiple collateral and interest rate types
- Comprehensive import/export LCs management
- Foreign Direct Investment support
- Foreign loans and currency registration
- Online tracking and control
What Sets eMACH.ai Central Core Banking Apart
Beyond a core banking system—comprehensive financial risk management safeguarding the integrity of central banking operations
Frequently Asked Questions
A composable, event-driven architecture that breaks down complexity into modular building blocks—enabling banks to configure, extend, and scale core capabilities with speed, precision, and confidence.
What makes eMACH.ai Central Core Banking different from commercial core banking solutions?
Our solution is specifically designed for central bank operations with unique capabilities for reserve management, public debt management, currency lifecycle, CBDC support, and national payment systems—not adapted from commercial banking platforms.
How does the platform support CBDC implementation?
What is Treasury Single Account (TSA)?
How does real-time accounting work?
What compliance standards does the platform support?
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Delivering Tangible Impact Across Global Banks
Transforming Core Banking to Drive Performance at Scale
By moving to Intellect’s modern core platform, the bank achieved real-time processing, 50% growth in transactions, and 80% faster loan disbursements—unlocking significant operational and customer experience gains.
Recognized Excellence
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