Banks & credit unions. New account products, beside the core.
Launching modern account products shouldn’t require replacing the core banking system. A8 Core™ runs specialized account businesses — custody, retirement, benefits, trust — alongside the core you already operate.
The operating problem
The innovation constraint.
Core rigidity
The banking core does deposits well and everything else painfully.
Product latency
New account types take quarters of core vendor negotiation.
Fragmented records
Specialty products end up in vendor silos with manual reconciliation.
Product modules
The A8 Core™ modules this institution type runs on.
Account core
Deposit-style records
Checking, savings, MMDA, and time-deposit account natures where authorized.
Benefits accounts
FSA, HRA, HSA, LSA, and commuter account workflows.
Trust & fiduciary
Required integrations
Integrations depend on the institution’s partners and contracts; providers are named only when authorized.
Core banking system
Balance and transaction interchange with the existing core.
Payments
The institution’s existing rails and providers.
Identity
Existing KYC stack reused in opening flows.
Control model
Bank-examiner-ready controls.
Segregation
Specialty books distinct from the core, reconciled daily.
Dual control
Approvals on movement and maintenance.
Evidence
Records organized for examination.
Lineage
Implementation path
A staged path, gated by evidence — not a big bang.
Pick the product
One specialty account business, scoped.
Integrate the core
Interchange and reconciliation with the banking core.
Launch & expand
Further account types as configuration.
Example workflow
An HSA program launched beside the core.
Status & dependencies
Module maturity varies and is labeled honestly — see product status. Availability of any account type or workflow depends on the institution’s legal authority, configuration, contracts, and policies.
See it on your account model.
A tailored session walks your accounts, workflows, and integrations through the platform.