Institution Starter
Regional banks and PSPs
Single-tenant deployment with payment and settlement basics plus audit exports.
Core Components
Payment nodeSettlement nodeAudit tooling
Delivery: Managed private environment
Institutional Settlement
Production TrackInstitution Mode extends core banking into payment, clearing, settlement, and compliance overlays. It is designed for banks and regulated operators running dedicated infrastructure.
North Star
Institutions can net obligations across participants, settle through adapter frameworks, and maintain compliance evidence without breaking conservation invariants.
Production Pillars
- •Payment node for multi-rail initiation
- •Clearing-house cycle with multilateral netting
- •Settlement node with adapter abstraction
- •Commitment-backed atomic settlement legs
- •Compliance overlay as pluggable policy packs
Source Baseline
This documentation page is aligned with the following OpeniBank v4 planning files.
- 01-PRODUCT-ARCHITECTURE.md
- 05-INSTITUTION-MODE.md
- 08-TECH-STACK-REPOS.md
Service Model
Institution Network
Clearing groups and consortium operators
Adds clearing-house orchestration and participant netting cycles across entities.
Core Components
Clearing houseCycle schedulerCounterparty controls
Delivery: Consortium deployment
Regulated Enterprise
Tier-1 institutions
Full compliance extension stack, custom settlement adapters, and regulatory reporting.
Core Components
Compliance packsCustom adaptersReport pipeline
Delivery: Dedicated on-prem or sovereign cloud
Deep-Dive Pages
Back to all systemsPayment and Clearing Node Composition
Production TrackInstitutional flows are decomposed into dedicated nodes to isolate operational concerns.
Separate transaction initiation from netting logic while preserving atomic settlement handoff.
4 production checkpointsOpen Topic
Settlement Node and Adapter Framework
Production TrackSettlement execution is abstracted behind adapters so institutions can map to their required rails.
Enable deterministic settlement orchestration while allowing environment-specific connector implementations.
4 production checkpointsOpen Topic
Compliance Overlay and Policy Packs
Production TrackCompliance controls are delivered as modular packs instead of hard-coded monolith rules.
Allow institutions to apply jurisdiction-specific controls without forking the transaction core.
4 production checkpointsOpen Topic
Deployment and White-label Models
Production TrackInstitution deployments support private cloud, on-prem, and hybrid models with configurable branding and control planes.
Provide deployability that matches enterprise regulatory, latency, and sovereignty requirements.
4 production checkpointsOpen Topic
User and Access Management
Production TrackRole-based access control for local portal and openibank.com online operations, including MFA, approvals, and audit trails.
Provide one access governance model that works for self-hosted local nodes and online enterprise tenants.
4 production checkpointsOpen Topic