The real-time core European banks build on.
Kernhaven pairs an immutable ledger with an event-driven integration layer. Launch products in weeks, run 24/7 without maintenance windows, and deploy on-prem or in any cloud.
- Built on .NET & open standards
- EU data residency
- DORA-ready by design
Trusted by banks and lenders across Europe
Platform
One core. Every product line.
Composable modules on a single, consistent ledger. Start with what you need and add the rest without a re-platform.
Deposits
Current accounts, savings, term deposits and sub-accounts with configurable interest, fees and limits.
- Product configurator
- Continuous interest accrual
- Sub-accounts & pots
Lending
Consumer, mortgage and SME loans. Schedules, arrears, restructuring and provisioning out of the box.
- Flexible schedules
- Arrears & collections
- Restructuring
Payments
SEPA, SEPA Instant and card settlement on ISO 20022 messaging, posted to the ledger in real time.
- SEPA Credit Transfer & Instant
- SEPA Direct Debit
- Card settlement
Product tour
One console for product, operations and engineering.
Everything your teams need to run a bank on Kernhaven, from launching a product to tracing a single posting.
Launch products without a release.
Product teams define rates, tiers, fees and limits in versioned templates. Simulate the impact on a staging tenant, then promote to production with four-eyes approval.
- Versioned product templates
- Simulation before go-live
- Four-eyes approval workflow
| Balance tier | Rate (AER) | Change |
|---|---|---|
| €0 – €10,000 | 2.10% | — |
| €10,000 – €50,000 | 2.35% | +0.10 |
| Above €50,000 | 2.50% | +0.15 |
Why Kernhaven
Modern banking without the big-bang risk.
Launch in weeks, not years
Products are configuration, not code. Define a new savings account or loan on a staging tenant and promote it to production the same week.
Always on
No end-of-day batch freeze. Interest, fees and balances update continuously, so customers see the truth at any hour.
Migrate step by step
Run Kernhaven alongside your legacy core. Move one product or one segment at a time, with reconciliation built in.
Lower cost of ownership
One codebase for every client, standard .NET skills, and container-based deployment your team already knows.
AI-ready data
Every change is a structured event. Stream it to fraud models, analytics or your data lake without touching the core.
Architecture
Strong where it must be. Flexible everywhere else.
Money movements are posted in a single ACID transaction to an append-only ledger. Everything around the core reacts to events, so integrations never slow down a payment.
- Immutable double-entry ledger — every posting is permanent and auditable.
- Transactional outbox — events are never lost and never published for a failed transaction.
- API-first — REST and event streams for every capability.
- Deploy anywhere — Kubernetes on-prem, Azure, AWS or a sovereign EU cloud.
Progressive migration
Replace your core one wave at a time.
No big-bang weekend. Kernhaven runs next to your legacy core until the last product has moved.
Discover
We map your products, data and integrations, and agree a migration plan with clear go/no-go criteria for every wave.
Coexist
Kernhaven goes live next to your legacy core. New products launch on Kernhaven first while both ledgers are reconciled automatically.
Migrate in waves
Existing portfolios move one product or segment at a time. Every wave is rehearsed, validated and reversible.
Decommission
Once the last wave is complete, the legacy core is retired and its run costs disappear from your budget.
Compliance & resilience
Made for European regulation.
We design for the rules our clients live under, so your compliance and risk teams start from a strong position.
DORA
ICT risk controls, incident logging and exit strategies supported by design.
GDPR
EU data residency, data minimisation and right-to-erasure workflows.
PSD2 / PSD3
Open Banking APIs and strong customer authentication integration.
EBA outsourcing
Audit and access rights, sub-outsourcing transparency and exit plans in every contract.
Works with your stack
Open standards. No lock-in.
Kernhaven runs on the infrastructure and tooling your teams already use.
How long does a typical implementation take?
A greenfield launch on Kernhaven typically takes four to six months from contract to first customer. Progressive migrations from a legacy core are planned in waves, with the first wave live in around six months.
Can Kernhaven run alongside our existing core?
Yes. Coexistence is how we recommend migrating. Kernhaven runs in parallel, starting with new products or a single segment, while automated reconciliation keeps both ledgers in step.
Where is our data hosted?
Wherever you choose: in your own data centre, in your Azure, AWS or Google Cloud tenant, or in an EU sovereign cloud. Customer data never leaves the European Economic Area unless you decide otherwise.
How do you support DORA compliance?
We provide ICT risk documentation, incident reporting hooks, audit and access rights, sub-outsourcing transparency and a tested exit strategy as part of every contract.
What skills does our team need?
Kernhaven is built on .NET, PostgreSQL and Kubernetes. Most bank IT teams already have these skills, and we offer training and certification for engineers and operations staff.
How is Kernhaven licensed?
Annual subscription based on the number of active accounts and modules, with implementation services priced separately. There are no per-transaction fees.
See Kernhaven in action.
Book a 30-minute walkthrough. We will launch a live product on the platform, from configuration to first posting.