Minka

This cloud-native payments infrastructure enables real-time, account-to-account transfers across multiple rails, connecting banks, clearinghouses, fintechs, and enterprises to establish scalable national or regional payment networks that can grow from pilot programs to millions of active users while delivering fast, reliable settlements.

Key features include an immutable, continuously reconciled ledger with a two-phase commit, support for instant payments, request-for-pay, bulk payments and alias directories, multi-rail interoperability and ISO 20022 compatibility, extensive participant management with onboarding, KYB, billing and compliance, layered security, fraud prevention and observability, fine-grained access control, audit logs, and solid reporting and reconciliation; a modular suite of ledger, gateway, and studio components designed to accelerate deployment of clearinghouses and banks, reduce siloed systems, lower operating costs, and empower developers to integrate, monitor, and operate at scale.

Minka can be found in Core Banking Software categories.