For commercial and corporate banking. A bank wants to move to a governed, AI-ready architecture, one that can carry programmable sterling, systemic stablecoins and agentic services, without a big-bang core replacement.
We treat that move as a sequence of client propositions, each proven in a clean room, with the existing core kept as one governed component rather than something to rip out on day one. This is a blueprint, built on primitives we already demonstrate.
The question is not "which new core". It is which propositions you want to offer in a world of programmable sterling, systemic stablecoins and agentic services, and what each one actually needs: which your current stack can serve, which need a governed engine and ledger overlay, and where you genuinely need a new core, all explored without a vendor commitment on day one.
Each stage is a proposition step, not a technology step. The core decision comes last, and it comes from evidence.
Illustrative. A migration by propositions, not a single big-bang cutover. The legacy core stays in place while each proposition is proven; the core decision follows the evidence.
Programmable sterling, conditional payments and stablecoin-backed cash management, proven on the existing core plus a governed overlay. The customer-facing value comes first, before any platform decision hardens.
The immutable ledger and the mutable core kept in step: change data capture, an authoritative journal, drift detection and maker-checker repair, with reconciliation evidence produced as it runs. See it on Platform Intelligence.
Cash-ops and treasury actions under governed authority, governed data products and evidence. The architecture we are building toward externalises an agent's beliefs, intentions and authority into governed objects, so a decision can be inspected rather than just trusted. Cognitive Intelligence.
Only once you know which propositions the overlay cannot serve do you decide where a new core or payments engine is genuinely needed. You choose vendor and timing from evidence, not from a deck.
As tangible as the family hub, but for corporate banking and the future of money.
Corporate cash positions and liquidity with programmable sterling and conditional payments, tested against the propositions a treasurer actually wants.
Cross-border flows where FX, stablecoins and traditional payments share one governed ledger, with enforcement and reconciliation. See the Cross-Border journey.
Client monies, escrow and trust structures backed by a party-and-authority graph and an immutable evidence trail, where identity and authority stay distinct and delegated controls are explicit. Control Intelligence.
An agent that proposes sweeps, rebalances liquidity and flags exposures under governed limits, with an evidence chain a model-risk and AI governance review can read.
A core programme replaces the engine. It does not let you model the future state of money and evidence before you commit. We do.
A 1:1-backed unit, freeze and forced-transfer aligned to the ERC-7943 token standard, and fiat payments, on the same engine, with custody behind a swappable port so no single provider is load-bearing. Sterling Stablecoin.
We model the current stack, its data flows and integration points, and overlay synchronisation and reconciliation into an immutable ledger, so legacy coexistence is mapped before a core transformation starts. Platform Intelligence.
Every governed event carries its own authority, lineage and sensitivity, so treasury and payments propositions produce BCBS 239-grade lineage and AI-control evidence by construction. Regulation-aligned, not certified. Governed data products.
A proving ground, not a prescribed vendor stack.
Pick three propositions you care about over the next five to ten years. We prove them in a synthetic, governed environment, with the legacy core treated as a coexistence component.
Systemic-stablecoin scenarios, holding limits, singleness of money and redemption parity, modelled on synthetic data with test consumers, without touching production.
You leave with a map: which propositions the overlay can serve, which genuinely need a new core, and what coexistence and reconciliation look like. You decide vendor and pace from there.
This journey is read across several of DTA's Eight Intelligences, the lenses that turn a migration into accountable meaning.
Platform carries the coexistence and the off-ramp. Value runs the programmable money on the same engine. Control supplies the authority and evidence each step leaves behind. Financial sizes the P&L of the change, including the cost of dual-running until the off-ramp completes. Cognitive is where agentic treasury earns its authority. The migration is how a bank reaches the future of money without breaking what its clients depend on today.
Tell us the proposition, architecture decision, or transformation problem you are facing. We will tell you, honestly, whether and how we can help.
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