AQUANTZCore

Everything a bank runs on. Built in, not bolted on.

The full banking lifecycle, from onboarding to reporting: customers, deposits, loans, cash, payments, accounting and regulatory returns, with no separate systems to connect.

Book a demoSee it work
One set of books

    ✓Account and GL updated together
    One set of books underneathEach stage updates the customer's account and the bank's accounts at the same moment.

    Real-time accounting

    A real-time ledger. No day-end. No waiting.

    Drag through a working day and watch what is waiting to reach the books.

    Entries waiting to reach the GLTraditional core Aquantiz Core
    Day-end batch 9 am1 pm5 pm9 pm1 am5 am9 am

    Illustrative working day.

    Traditional core
    Aquantiz CoreTrial balance: current. Day-end runs: 0
    Always-current booksTrial balance, balance sheet and profit & loss, at any time.
    Day handoverThe next working day opens by itself. Each branch works to its own working date and the bank's holiday calendar.
    Exact money handlingAmounts, percentages and dates stored exactly as entered, guarded by automated tests.
    Built to scaleA strong transaction engine on stateless services, sized from regional to corporate banks.

    Deposits

    Every deposit product, one set of books.

    Pick a product and see the shape its balance takes. Then choose what happens to a term deposit when it matures.

    Illustrative balance shapes. Each bank sets its own products and rates.

    On maturity

    The instruction carries itself out

    1. OpenedReceipt printed
    2. Term runsInterest accrues
    3. MaturesScheduled process
    Savings and currentThe everyday accounts, with interest worked out by product and slab.
    Term, recurring and dailyFixed sums, regular instalments and small daily collections, on the same core.
    Dormancy and unclaimedDormant accounts marked, and accounts due for regulatory transfer flagged, automatically.

    Virtual accounts

    Virtual accounts, done properly.

    Pick a sub-account and try to move money. Every entry posts to the parent, tagged to its sub-account.

    Try

    Demo data in your browser. No real accounts.

    An independent ledgerFor each sub-account, nested where a business needs it, so collections stay easy to reconcile.
    Its own rulesCredit-only, or a daily debit limit of its own.
    A card per sub-accountRequested in the same approval.
    Parent balance protectedDebits are checked against the parent's available balance.

    Loans & asset classification

    Lending, from sanction to provisioning.

    Move an account down the days-past-due ladder. Provisioning follows the borrower type and security, and you preview it before posting.

    Every advanceTerm loans, CC / OD and gold loans.
    Limits that holdLimits, drawing power, EMI diary and lien.
    Configure, don't codeGL products driven by customer attributes, set by the bank's users through approval workflows.
    Provisioning

    Illustrative ladder. Each bank sets its own days and rates.

    Payments & clearing

    Payments in, payments out, one core in the middle.

    Each one updates the account and the GL as it settles, with no overnight posting files. Choose a rail.

    One work queueOperations teams see clearing and mandate exceptions in one place, not five screens.
    Migration-readyExisting mandates and masters come across in bulk, so customers never re-register.
    Open to other railsREST APIs connect any domestic or cross-border payment system a market needs.

    Treasury & investments

    Treasury on the core, from deal to redemption.

    The bank's investments are booked, accrued and valued on the core. Follow a government security through its life.

    HTMAFSHFT
    Investments with other banksDeposits placed with other institutions tracked to maturity, with interest accrued on the core.
    A settled deal stays settledIt is reversed only by an opposite deal.

    Automated operations

    The night shift's work, running itself.

    Scheduled processes, each one parameter-driven, approved through maker-checker and logged.

      Teller, customer & experience

      Speed at the counter.

      An in-house design system for clarity and fewer errors. Try the account search, work the counter, then walk through the real Cash Receipt screen.

      The search field

      One field finds any account.

      1. Type a few lettersMatches appear as you type, across number, name and product.
      2. Or part of the numberNo mode to switch. The same field does both.
      3. Pick itStatus, freeze and balance show at once, and only the right deposit types are offered.

      Click the field and try it:

      AccountAccount nameProductStatus
      ↑↓ navigate · Enter select · Esc close

      Keyboard-first speed

      No screen needs a mouse

      Hotkey help is always on screen. Press these on your keyboard, or tap them.

      Press a key

      Smart banking fields

      Amounts in words, as you type

      % shows its money effect:

      Cash with denominations

      Count it at the window

      Total

      A cockpit per role

      Each role opens on its own work

        Customer 360

        The whole relationship, one search

        The real screen

        Cash Receipt, point by point

          Customer & KYCIndividuals and entities, documents and nominees, with central KYC upload and download on a monitoring dashboard.
          Fast search and gridsQuick search, filters and server-side paging across large data sets, with one key to open a record.
          Till under controlTill and cash-park limits, vouchers and handover at the cashier window.
          MultilingualEnglish, Hindi, Marathi and Telugu, with more languages by configuration.

          Control & access

          Control in each change.

          A new account, a rate change or a transaction: each one becomes a change request. Set who is acting, and on what.

          Role

          Filter: customer type

          1. MakerRaises the change
          2. Level 1Checker decides
          3. Level 2Above the limit
          4. RecordedFull audit trail

          Illustrative roles and limits. Each bank sets its own filters and levels.

          The checker sees exactly what changed

          Rate slab6.50% → 6.75%
          Limit5,00,000 → 7,50,000
          Rights per role, screen and actionNarrowed by any filter the bank sets, such as customer type, sub-type or net worth.
          Separate queuesFor masters, transactions, service requests and reprints.

          Lockers & profitability

          The parts others leave to add-ons.

          Capabilities that usually need workarounds or a vendor ticket come with Aquantiz Core.

          Locker management

          A planogram for locker allocation

          Each vault is a live map with key numbers. Pick a vacant locker instead of searching a list.

          VacantAllottedBlocked

          Profitability

          Cost-centre allocation

          Shared expenses spread across cost centres each month by five methods. Report-only: no voucher, no change to the GL.

          Service RequestsCheque books, stop payments, passbooks and statements, with charges collected on each request.
          Fixed AssetsA fixed-asset register with depreciation policies.
          Modules that plug inCTS, NACH, NEFT / RTGS, Printing, HO Module, Branch Management and Cost Centres.

          Printing

          Your formats, designed by your bank.

          Lay out cheque books, receipts and certificates on the paper you already use, down to the MICR line, then test and activate them yourself.

          Checked before usePreview, test print and check, then activate.
          Formats stay versionedA format in use is never edited. A change makes a new version.
          Every print is a jobCounted as printed only once confirmed. Reprints need a reason and a checker.
          PDF or directThrough the browser, or to dot-matrix passbook printers with the AQCBS Print Agent.

          Rates, charges & tax

          Compliance built in, configured by the bank.

          Rate slabs, charges, offsets and rules are set by the bank's users through approval workflows, not by a vendor ticket.

          InterestSlabs and product offsets.
          ChargesFlat, percentage and per-unit, with tax split.
          TaxGST, TDS, Form 15G/H and tax deduction certificates.
          Ready out of the boxAsset classification and provisioning, KYC registries, cheque truncation and mandates.

          Technology

          Follow a request through the stack.

          Keycloak comes first, ahead of Nginx and the services. The same stack runs on Microsoft Azure, AWS or on-premises. Pick a journey to watch it, or tap any part.

          Cloud or on-premises

          Microsoft AzureAWSOn-premises
          Inside Docker
          Outside Docker
          123456AB
          1. 1The user signs in through Keycloak, the first step.
          2. 2Once signed in, the user reaches Nginx.
          3. 3Nginx serves the frontend, built with React, HTML and CSS.
          4. 4The frontend calls the Spring Boot services with its access token.
          5. 5Services read and update fast, temporary data in Redis.
          6. 6Services read and write permanent data in PostgreSQL.
          7. ↩The response returns along the same path.
          1. AThe partner sends its credentials to Keycloak, the first step.
          2. BOnce authorized, the partner reaches the services with its access token.
          3. 5 6Services use Redis and PostgreSQL, the same as for bank staff.
          4. ↩The response returns to the partner.

          Request Response

          API-firstScreens and partners use one set of REST APIs; business rules run on the server.
          Keycloak comes firstAhead of Nginx and the services, for staff and partner systems alike.
          No licence lock-inOpen-source database, no proprietary licence fees.

          One Fusion. Explore the other dimensions.

          ShieldAnti-money-laundering and transaction riskOpen → InsightMIS and regulatory reportingOpen → ArchiverCold storage and compliance ledgerOpen →
          Book a demo

          See Aquantiz on your own data.

          Tell us about your bank and what you would like to solve. We will get back to you to arrange a demo.

          Emailsm@vimcosoft.com Call+91 86699 45799 Websitevimcosoft.com
          VisitPune, Maharashtra, India

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