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Accelerate your payments with Treezor's 100%-API core banking

Meeting regulatory constraints while swiftly addressing clients’ needs for personalization and immediacy is a major challenge for companies. With its modular, flexible and innovative solutions, Treezor offers an advanced, fully API-based and cloud-powered core-banking system. Thanks to its proven core-banking system, Treezor enables companies and financial institutions to tackle the new demands of their customers.

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Definition of core-banking

Core banking is the IT system used to process a financial institution’s day-to-day operations. As the backbone of all financial activities, core banking encompasses a wide range of functional modules, from account management to payment processing, accounting and regulatory compliance.

Treezor’s core-banking features

Treezor’s core banking simplifies payment management for all businesses, offering a B2B and white-label solution that covers the entire payment chain.

A comprehensive range of services

Treezor offers a full range of payment services, including payment acquisition and issuance, third-party collection, KYC and more.

Tailor-made features

Highly customizable, the platform allows for tailored adjustments to meet the specific needs of businesses (fintechs, regulated institutions, corporates) and the diverse use cases of embedded finance, while also complying with local regulatory obligations.

Robust and reliable API-first technology

Treezor’s technology is based on a robust and flexible API, hosted in the cloud via a serverless IT infrastructure, to ensure service availability regardless of platform activity.

60ms

average response time for card authorizations

99.9%

platform availability

105M

API requests per month

99.9%

transactions processed successfully

Treezor: A European BaaS pioneer and leader since 2016 thanks to its in-house core banking

Command of various environments

Treezor stands out as the only BaaS provider capable of fully controlling different technical and regulatory environments, with the ability to create payment accounts, electronic money accounts or technical accounts. We give every client the flexibility to choose between a shared or dedicated environment, using either Treezor’s BIC (with IBANs available in France, Germany, Italy, Spain) or the client’s own BIC if regulated.

Increased flexibility

With its fully in-house-developed core-banking system, Treezor has complete control over the codebase, allowing for optimal customization to meet users’ specific needs. This provides end users with substantial adaptability, enabling them to create multiple accounts or link multiple cards to a single account, significantly simplifying transaction management.
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High performance

Since its launch, Treezor has provided clients with a high-performing core-banking system featuring fast response times. By migrating to the cloud, Treezor has further optimized these response times and improved card processing speeds. The average response time for card authorizations at Treezor is around 60ms. Treezor also processes a high volume of API flows and requests, ensuring constant reliability for clients regardless of load.

Operational resilience

Treezor continuously provides a variety of features and services, relying on the robust infrastructure of AWS. Spread across multiple geographic regions and availability zones, this reliable and secure infrastructure ensures optimal service continuity. Even in the case of a data center outage, your services remain uninterrupted.
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01/11/2023 - Our ecosystem

How did Treezor go serverless?

Treezor requires a versatile API capable of meeting diverse customer needs. To address these imperatives, Treezor made the strategic decision to migrate to the cloud, opting for serverless technology and managed services. The selection of the AWS Cloud as the preferred platform was driven by the need for resilience, multiple availability zones, robust security, scalability, and value-added services enhancing Treezor’s architecture.

A core-banking system that complies with regulatory obligations

Treezor has fully developed its own high-performance and secure core-banking platform that meets regulatory obligations. The platform simplifies transaction management for businesses and generates reports for regulators.

Treezor also makes its core-banking system available to regulated institutions in a dedicated environment, functioning under their BIC in a fully white-labeled setup.

Why choose Treezor’s core-banking platform?

Reduced costs

Adopting Treezor’s platform helps reduce development and maintenance costs. You can focus on your core business with a smaller technical team while benefiting from a cutting-edge core-banking system.

Faster time-to-market

Leveraging Treezor’s ready-to-use solutions allows for the quick launch of new services, avoiding obsolescence upon market entry and offering essential agility in a constantly evolving industry.

Security, reliability and scalability

Treezor’s core banking is connected to a vast ecosystem of partners, offering scalability and robustness. Clients thus benefit from a flexible infrastructure that adapts in real time to their business growth, ensuring continuous service availability. With its expertise in cloud technology, Treezor automates and secures the management of banking operations. Lastly, by applying the highest security standards in the market and integrating the best available technologies, Treezor’s core-banking system offers a high level of security.

A modular and scalable API-based core-banking system

Treezor’s cloud-native, modular and API-first core-banking system is designed to continuously evolve and integrates future technical or regulatory changes by design, such as PSD3 or AML6.

Treezor develops various financial services in the form of micro-services accessible on-demand via API. Thanks to this modularity, companies can combine specific services they need, creating tailor-made solutions adapted to their evolving needs.

Immediacy and transparency

Treezor guarantees instant and transparent responses, allowing our clients to understand every interaction in real time.

Clients are immediately notified of every event via webhook, whether it be account creation, card issuance, KYC status, incoming or outgoing payments or R-Message status, ensuring smooth and efficient operations.