Platform · Deposits
Every deposit product, configured in days.
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.
Capabilities
What you get with Kernhaven Deposits
Product configurator
Define rates, tiers, fees, limits and lifecycle rules through versioned product templates — no code release required.
Continuous interest accrual
Daily or intraday accrual with capitalisation on any schedule. Customers always see an accurate balance.
Sub-accounts & pots
Unlimited savings goals and ring-fenced pots under one customer account, each with its own rules.
Deposit Guarantee Scheme
Single Customer View files and DGS exposure reporting generated directly from the ledger.
Holds & blocks
Legal holds, garnishments and AML freezes applied at account or amount level with full audit history.
Statements
PDF and camt.053 statements on demand or on schedule, in the customer's language.
Configure, don't code
Your product is a file, not a project.
Every deposits product is a versioned definition. Review it like code, simulate it on staging, and promote it to production with four-eyes approval.
- Versioned — every change is tracked and reversible.
- Simulated — test the impact on real portfolios before go-live.
- Approved — built-in four-eyes workflow for risk and compliance.
product: instant-saver
version: 2.1.0
currency: EUR
interest:
accrual: daily
capitalisation: monthly
tiers:
- { upTo: 10000, rate: 2.10 }
- { upTo: 50000, rate: 2.35 }
- { above: 50000, rate: 2.50 }
withdrawals:
notice: none
limitPerDay: 25000
fees: []See Kernhaven in action.
Book a 30-minute walkthrough. We will launch a live product on the platform, from configuration to first posting.