Most platforms sit on top of a core.
A8 Core™ is the core.
Fintech and wealthtech teams burn months stitching together account opening, ledgering, funding, and compliance. A8 Core™ delivers all of it as one API-driven, composable system — so you ship products in weeks, branded as your own, on infrastructure built for regulated workloads.
API-led connectivity
Every capability is an endpoint. Integrate account, client, and financial operations directly into your app, with webhooks for real-time, event-driven updates.
Composable services
Create, Manage, Update, Financial, and Utility services compose into whatever you're building — adopt the whole core or just the modules you need.
Real-time processing
Open, fund, and transact accounts through synchronous API calls rather than batch files. Rule- and profile-based push alerting keeps every system in sync.
Compliance controls
BSA, KYC, AML, OFAC, PCI and IRS control points are modelled in the platform, and create, read, update and delete operations are recorded to an audit trail.
From demand deposit to private fund — natively supported.
Banking cores do banking. Wealth platforms do wealth. A8 Core™ does both, plus retirement and entity structures, so a single integration covers the full account spectrum for individuals and entities.
Operational capabilities, built into the core.
The account core does more than hold balances. A8 Core™ folds in the operational machinery wealthtech and private-market teams normally stitch together from five vendors — identity, automation, signing, documents, and permissioned access — on one connected ledger.
Verified Identity Passport
Onboard once, reuse everywhere. A verified identity profile carries KYC, KYB, AML, and accreditation across every account and offering — no re-verification per product.
Investment & capital-call automation
Account holders connect funding sources once; contributions, investments, and capital calls settle and reconcile to the ledger automatically.
Built-in e-sign & subscription docs
A DocuSign-class signing flow is built in — generate, send, and execute subscription and account documents without leaving the platform.
Auto-filing secure data room
A permissioned document vault auto-files statements, tax forms, and agreements to the right account and party — your own secure, audit-ready document room.
White-labeled permissioned portals
Stand up management, account-holder, and representative/advisor portals under your brand — each with role-scoped, least-privilege access.
One connected source of truth
Every directive, document, balance, and party lives on one ledger. Connect fund admins, auditors, and counsel to the same data instead of reconciling silos.
Integrated payments & settlement
Connected banking, funding, and settlement close the transaction loop — payments and transfers settle and reconcile to the account without leaving the platform.
Investor relations & messaging
A lightweight CRM, in-app messaging, and automated status updates keep account holders and their representatives informed without back-office chase.
Tokenization module contract-dependent
For regulated digital-asset use cases, a separately contracted module supports the transfer-restriction standards used for regulated offerings (ERC-1404/3643) alongside the traditional ledger. Stablecoin accounts are reserved and not enabled.
Built to be white-labeled and resold.
A8 Core™ runs multiple financial institutions, custodians, administrators, and providers on one platform. Each provider's accounts are isolated, while a single client can hold accounts across many providers — multi-currency, including cash and digital — all under your brand.
- Provider separation — an account is accessible to exactly one provider
- Clients hold multiple accounts, including multiples of the same type
- Multi-currency: cash, digital, and currency conversion
- Flexible fee management and rule-based push subscriptions
A documented API surface, ready to integrate.
600+ endpoints — path and method combinations across five service families — with the public reference documenting the most commonly used — with HMAC request signing, delivered with webhooks and front-end plugins for the tools your team already uses.
Create
Provision clients and accounts. CreateAccount opens any of 43 enabled account types across five account natures — DDA, IRA, Roth, SEP, Solo 401(k), HSA, Trust — in real time, returning an AccountId.
POST https://api.a8core.io/v1/accounts · CreateAccountFinancial
Fund, transfer, transact, and convert across cash and digital currency, with real-time balances and ledgering.
POST https://api.a8core.io/v1/accounts/{id}/fundManage & Update
Maintain profiles, account states, fees, and subscriptions; every change is captured in the audit log.
PATCH https://api.a8core.io/v1/accounts/{id}Webhooks
Subscribe to account, funding, and transaction events for real-time, event-driven integration into your stack.
account.funded · txn.settledUtility
Cross-service orchestration and reporting — rule- and profile-based alerting pushed to your systems.
GET https://api.a8core.io/v1/reportsHMAC + ACL
Hash-based message authentication on every call, with custom access-control lists scoping who can do what.
HMAC signature in the Authorization headerSecure by architecture. Auditable by default.
Custody of accounts is a trust business. A8 Core™ pairs encryption and HMAC request signing with access-control lists and full operation logging — so every account, transaction, and state change is governed and provable.
Hash-based message authentication codes secure every API request end to end.
Granular access-control lists scope every actor, provider, and operation.
Create, read, update and delete are recorded to an audit trail.
Independent tenancy boundaries with isolation between providers.
One core for the companies redefining finance.
If your product opens, funds, or holds accounts, A8 Core™ is the infrastructure underneath it.
Robo-advisors
Spin up taxable and retirement accounts and fund them in real time, fully branded.
RIAs, asset & wealth managers
Administer client accounts and private funds on one ledger, with built-in reporting and reconciliation.
Marketplace & alternative lenders
Stand up credit and funding accounts with compliance and audit baked in.
Retirement & custody platforms
Offer IRA, Roth, SEP, Solo 401(k), HSA and Coverdell on one core, with 529 servicing under contract to a State plan.
Crowdfunding & private markets
Onboard investors once and route capital into issuer accounts at scale.
Providers, issuers & PEOs
Issue accounts and fund structures under a white-labeled, multi-tenant model.
Digital-asset platforms contract-dependent
Settle tokenized accounts alongside the traditional ledger, under a separately contracted module.
AI-native. Zero-trust. Confidential by design.
A8 Core™ is architected to be the operating system for modern private markets, retirement, and alternative assets — engineered for millions of accounts and the regulatory expectations of the next decade, with capabilities most wealthtech platforms don't offer.
Zero-trust identity
Never trust, always verify, assume breach. Passwordless, phishing-resistant access with continuous, risk-based authentication on Microsoft Entra.
Confidential computing
Data stays encrypted in use — not just at rest and in transit — inside hardware trusted execution environments. Very few wealthtech platforms do this.
Event-sourced core
Every action — account opened, contribution received, wire approved, investment executed — is an immutable event, producing a complete, replayable audit trail.
Immutable compliance ledger
A parallel, tamper-evident ledger that's audit- and litigation-ready for SEC, FINRA, IRS, ERISA, and state examinations.
AI governance
Model inventory, bias testing, explainability, and drift detection with full AI audit trails — the layer most platforms are weakest on — aligned to emerging regulation.
AI-powered SecOps
Autonomous threat detection, insider-threat monitoring, and behavioral analytics across the Microsoft security stack — collapsing incident response times.
Platform lineage: ISCP — first deployed at Forge Trust, now owned by Charles Schwab — is A8 Core™’s predecessor.
API gateway secured with OAuth 2.1 · OpenID Connect · mTLS · Ready for tokenized assets, private securities, and digital identity
Core runtime & data platform
“Real-time account creation and funding shouldn't take a year to build. We made it an API call.”
Launch your fintech on a core that's already built.
See how A8 Core™ opens, funds, and transacts accounts in real time — branded as yours, and ready to scale across institutions and accounts.