Company
We build the quiet, reliable heart of modern banks.
Kernhaven was founded in Amsterdam by engineers who spent years inside banks' core modernisation programmes. We saw the same pattern again and again: huge budgets, big-bang cut-overs and years of delay. We started Kernhaven to offer a better path.
What we believe
Our principles.
Correct before clever
A bank's ledger must be right, every time. We earn the right to innovate by being boringly reliable first.
Progress without big bangs
We believe core modernisation should happen step by step, with every step proven before the next.
Open by default
Open standards, documented APIs and no lock-in. Our clients should stay because they want to, not because they have to.
Built in Europe, for Europe
We design for European regulation, languages and payment schemes from the first line of code.
Our story
From Amsterdam to three countries.
The name says what we do. Kern is Dutch for core. A haven is a harbour: a safe place built to stay open to the world. That is the core we build for our clients.
- 2024Kernhaven founded in Amsterdam
- 2025Deposits module released
- 2025Lending and payments modules released
- 2026Agreements signed with four institutions across three European countries
Visit us
Amsterdam headquarters
Singel 542, 1017 AZ Amsterdam, The Netherlands
hello@kernhaven.nl
+31 85 888 8137
The institutions that trust us
Want to work with us?
Whether you are a bank, a partner or a future colleague, we would like to hear from you.