IO2B is delivered to institutions that already hold — or are obtaining — their own authorisation. We provide the platform and the integration; the regulated relationship with the end customer stays with you.
Core replacement, or a parallel digital stack alongside legacy.
Accounts, transfers and remittance on rails you control.
Loan-level portfolio exchange, validation and funder reporting.
Multi-institution programmes needing per-tenant governance and oversight.
Gated phases, each ending in an explicit approval. Test cycles loop until pre-flight validation passes cleanly.
Scope, target operating model and a written gap register against your obligations.
Sandbox and simulator first. Field-level diagnostics drive the fix loop until validation is clean.
Your operators, on your configuration, before anything carries real volume.
Monthly cycles with us alongside the operations team.
Scheduled-submission tracking, SLO timers and alarm streams.
Steady state, with the evidence trail intact.
Worth stating plainly, because it is the whole basis of the arrangement.
| BNK2 | Client institution | |
|---|---|---|
| Authorisation / licence | — | holds it |
| Custody of client funds | never | holds them |
| Customer relationship | — | owns it |
| Regulatory reporting | supplies the data | files it |
| Platform & availability | operates | — |
| Audit evidence | produces | presents |