Technical Architecture Overview — Built for the elasticity of the cloud, engineered to disrupt traditional banking constraints.
We don't fix legacy — we build modern. Our platform is engineered from the ground up to disrupt traditional banking constraints.
Built for the elasticity and resilience of the cloud from day one.
Seamless integration as a core design principle, not an afterthought.
Decoupled, independently deployable services for agility and scale.
Uniform deployment via Docker and Kubernetes across all environments.
Zero-trust architecture implemented from the very first line of code.
A robust, production-grade stack chosen for performance and reliability across every layer.
Delivering consistent, high-performance experiences across every channel and device.
Flutter delivers high-performance native experiences for iOS and Android from a single, unified codebase — faster development, consistent UI.
ReactJS powers our responsive web banking portal, ensuring a seamless experience across all desktop and mobile browsers.
All front-ends communicate via a unified, TLS-encrypted REST API gateway — one secure entry point for all channels.
Our backend is composed of independent, stateless microservices engineered in Golang for massive horizontal scale.
External integrations: IDMeta, Nice Actimise, Paynamics, Instapay, PesoNet and more.
Designed for enterprise-grade reliability, ACID compliance, and massive horizontal scale.
Chosen for robust ACID compliance — guaranteed consistency for every financial transaction, no exceptions.
Offloading read traffic to dedicated replicas maximizes platform throughput and isolates reporting workloads.
Horizontal data distribution across shards for performance optimization at peak transaction volumes.
Active-active multi-availability-zone deployment ensures zero-downtime operations and automatic failover.
Standardized, portable, and cloud-agnostic from the ground up.
Standardized Docker images ensure identical environments from local development through to production — no configuration drift.
K8s manages service discovery, auto-healing, and horizontal auto-scaling of all microservices automatically.
Deploy on AWS, Tencent Cloud, Alibaba Cloud, or your own private on-premises data center — your choice, same platform.
A multi-layered, zero-trust security model protecting financial data at every touchpoint.
Engineered for high throughput and rapid user acquisition without performance degradation — supporting millions of customers with sub-second latency.
Leveraging lightweight goroutines for efficient multi-threaded processing — dramatically outperforms thread-per-request models.
Traffic distributed intelligently across healthy service instances with automatic unhealthy node removal.
Elastic infrastructure that expands and contracts in real time based on actual demand — pay only for what you use.
Independent scaling of compute and storage layers handles peak transaction volumes without degradation.
Your cloud, your rules. The underlying architecture remains identical across all models — guaranteed feature parity and security.
Multi-tenant cloud environment managed by INY Digital.
Single-tenant instance on public cloud infrastructure.
Deployment within your own data center or private cloud.
A side-by-side look at how INY iBaaS compares to conventional core banking systems.
| Feature | Traditional Systems | INY iBaaS |
|---|---|---|
| Architecture | Monolithic, Rigid | Microservices, Agile |
| Deployment | On-Prem, Manual | Cloud-Native, K8s |
| Scalability | Vertical, Capped | Horizontal, Elastic |
| Updates | Months, High Risk | Weeks, Low Risk |
| Cost Model | High CapEx | Optimized OpEx |
| Integration | Point-to-point, Brittle | API-First, Open |
| Security Model | Perimeter-Based | Zero-Trust, Built-In |