Ship compliant fintech products in half the time.
CoralUnity embeds senior engineers who have shipped PSD2-compliant APIs, ISO 20022 migrations, and real-time AML pipelines. Your team moves fast without creating regulatory debt that stops you later.
Talk to an ExpertChallenges we know how to solve
Compliance is slowing your roadmap to a crawl.
PSD2, DORA, and Basel IV are not optional. Retrofitting compliance into existing architecture costs 3-5x more than building it in correctly the first time. CoralUnity engineers are embedded from sprint one, designing for regulatory requirements before a single endpoint goes live.
Your core banking integration is 6 months late and still broken.
Legacy core systems like T24 or FIS publish APIs with gaps, quirks, and undocumented edge cases that only reveal themselves in UAT. Most teams underestimate integration effort by 300%. Our engineers have delivered multiple production integrations with the most common cores and bring that battle-tested experience directly to your project.
Your fraud model is blocking good customers and missing real fraud.
A 1% false positive rate sounds small until you realize it means one in every hundred legitimate transactions declined, destroying conversion and customer trust. Our models are trained on domain-specific financial graph data, calibrated per product segment, and ship with SHAP explainability so your compliance team can defend every decision.
What we build for your industry
KYC/AML Onboarding Pipelines
We build end-to-end digital onboarding with eIDAS-compliant identity verification, sanctions screening via OFAC/EU consolidated lists, and automated SAR generation. Typical go-live is 8 weeks from kickoff, not 6 months.
Core Banking API Integration
We integrate with Temenos T24, Mambu, Thought Machine Vault, and legacy FIS/Fiserv cores using ISO 20022-native message mapping. Integrations we deliver include circuit breakers and reconciliation hooks that keep data consistent when upstream systems degrade.
Real-Time AI Fraud Detection
Fraud detection systems we build run gradient-boosted and graph-network models with sub-100ms inference on transaction streams via Apache Kafka, with SHAP-based explainability built in for regulatory review. Production deployments hold false positive rates below 0.08%.
Digital Wallet & Payments Platforms
We build multi-currency wallet infrastructure on ISO 20022 rails with real-time gross settlement hooks, SEPA Instant and FPS connectivity, and PCI-DSS Level 1 architecture baked in, not added post-launch.
Open Banking & PSD2 Connectivity
We build and certify PSD2/RTS-compliant TPP and ASPSP APIs, including Strong Customer Authentication (SCA) flows using FIDO2/WebAuthn. Integrations cover the Berlin Group NextGenPSD2 standard and UK Open Banking v3.1.
AML Transaction Monitoring Systems
We build automated AML screening workflows using FATF-aligned rule engines, Politically Exposed Person (PEP) databases, and real-time adverse media feeds, with audit trails formatted for FCA, FinCEN, and EBA examination.
Results from the field
“CoralUnity's engineers understood T24 quirks and PSD2 SCA edge cases from day one. We went live with our Open Banking API in 11 weeks, fully Berlin Group certified, without a single audit finding during FCA review.”
— VP of Digital Banking, Tier-2 European Retail Bank
What's your next technical challenge?
We work embedded in your team from day one. No generic consulting, no overhead. Just real delivery with measurable results.