Platform
Composable modules on a single real-time ledger.
Kernhaven gives every product line the same foundation: one ledger, one product engine and one event stream. Start with a single module and add the rest without migrating again.
Modules
Pick what you need today.
Deposits
Launch current accounts, instant-access savings, notice accounts and fixed-term deposits from one product engine. Interest accrues continuously and every change is posted to the ledger in real time.
- Product configurator
- Continuous interest accrual
- Sub-accounts & pots
- Deposit Guarantee Scheme
Lending
From origination hand-off to final repayment, Kernhaven runs amortising, interest-only, revolving and bullet loans on the same ledger as your deposits — so exposure, arrears and provisioning are always in sync.
- Flexible schedules
- Arrears & collections
- Restructuring
- IFRS 9 support
Payments
Kernhaven connects your payment hubs and schemes to the core with native ISO 20022 support. Every incoming and outgoing payment is validated, posted and published as an event within milliseconds.
- SEPA Credit Transfer & Instant
- SEPA Direct Debit
- Card settlement
- ISO 20022 native
Back-office console
See your whole bank in real time.
Balances, postings and event health in one place, updated the moment anything changes.
Product tour
Built for every team in the bank.
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 |
Shared foundation
Included with every module.
Product engine
Versioned product templates with rates, fees, limits and lifecycle rules, promoted from staging to production.
Customer & party
Individuals, businesses, joint holders and relationships with KYC status from your onboarding system.
Immutable ledger
Double-entry, append-only postings with multi-currency and multi-entity support.
Event stream
Every state change published through a transactional outbox to Kafka or RabbitMQ.
Back-office console
Search, servicing, approvals and four-eyes controls for operations teams.
Reporting hub
Regulatory and management data exposed through events, APIs and scheduled extracts.
Trusted by banks and lenders across Europe
See Kernhaven in action.
Book a 30-minute walkthrough. We will launch a live product on the platform, from configuration to first posting.