Account opening. Every account type, one digital flow.
Identity, entity, and beneficial-ownership verification, disclosures, e-signature, funding, and the first transaction — designed to complete in one session, for all 45 account types, on the same record every later transaction will use.
The flow
Six steps, one session, one record.
Verify
KYC, KYB and beneficial ownership for entities, OFAC screening, tax status, authority, and consent — captured once into the Investor Passport where one exists, or created here.
Choose
Account type across five natures — demand deposit, retirement, taxable, trust and fiduciary, private fund — with per-type eligibility and disclosure rules applied before the account exists.
Sign
Disclosures and agreements delivered and e-signed in the flow; the signed set becomes evidence on the account, not a file in a drawer.
Fund
First funding by ACH, wire, or an incoming account transfer — the IRA Exchange rail for retirement accounts — with clearance handled per rail.
Title
Ownership, beneficiaries, and transfer-on-death designations recorded at opening, not as an afterthought.
Transact
Usable when funding clears; the first instruction runs under the same authorization and evidence as every later one.
Built for scale
Opening at the pace of a payroll run or a tax deadline.
Throughput
The ISCP predecessor platform processes 250,000+ new accounts an hour (measured). A8 Core™ is engineered past one million an hour (design target).
Payroll enrollment
Workplace programs such as MyFreeIRA open an account for every employee at enrollment and fund it every pay period — opening becomes a deposit channel.
Verify once
A ready Investor Passport opens, funds, and titles a further account without re-collecting the file.
Per-type controls
Eligibility, contribution, and disclosure rules are applied per account type at opening, so the wrong account cannot be opened correctly.
What bankers asked for
From the 2024 ABA Core Platforms Survey.
Bankers rank helping my bank attract and retain digital-savvy customers 4.18 out of 5 in importance and score their core providers 2.59 on delivering it — the widest experience gap in the survey. Account opening is where that gap is felt first. See how A8 Core™ runs beside your core →
Status. Account opening is a product specification. Nothing on this page is generally available today, and availability for any institution depends on that institution’s own authorities, contracts, integrations, and policies. See product status for how A8 Core™ labels capability maturity.
Frequently asked questions
Short answers, with the status stated.
How fast can accounts be opened?
The ISCP predecessor platform processes 250,000+ new accounts an hour (measured). A8 Core™ is engineered past one million an hour as a design target. Opening completes in one session once verification and funding clear.
What is verified at opening?
Identity (KYC), entity and beneficial ownership (KYB) where applicable, OFAC screening, tax status, authority, and consent — captured once into the Investor Passport so a further account does not re-collect the file.
Does it work for payroll enrollment?
Yes, by design. A workplace program such as MyFreeIRA opens an account for every employee at enrollment and funds it each pay period, so opening becomes a deposit channel rather than a paper process.
What is the status of account opening?
A product specification on the account core. Nothing on this page is generally available today; see product status for how A8 Core™ labels capability maturity.
Build on the account operating system.
See how one-session account opening fits your institution’s account, custody, and operations model.