Digital banking, ready to make yours.
N Banking, N Onboard and N Manager: complete digital banking, onboarding and experience management — branded, configured and governed by your institution.
Working apps. Ready to make yours.
Every call is served by Composer — none of the three owns a backend of its own.
N Banking
Accounts, payments, transfers and cards for consumers and businesses — with an AI assistant that asks before it acts.
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N Onboard
A guided conversation or a dynamic form — the same rules either way. Upload a document and the fields fill themselves.
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N Manager
Business teams decide what every customer sees — features, themes, content and verification rules — without a release.
Explore →N Banking, start to finish.
From 43 ready-made modules to going live on your institution’s own systems — on real product screens.
43 modules. Already built.
A complete digital banking app, ready to run and built to be yours — for consumers and businesses, on every screen.
Consumers
Businesses
Platform
Every account. Every way to move money.
Every account in one place. Money moves by ACH, wire, Zelle or internationally in a few taps — and customers control their own cards: freeze, travel notices, limits, contactless and international use.
Plain language. Asks before it acts.
Anny answers questions, checks balances, finds transactions and moves money — and always asks the customer to confirm before it acts.
Sign in as a business. Get a corporate suite.
The same app becomes a corporate banking suite: team access, roles and permissions, payroll, approvals, daily limits and cutoffs.
One codebase. The same app everywhere.
One codebase serves phone, tablet and desktop, with white-label themes per brand and segment. Nothing is built twice.
OnboardAI collects. The platform acts.
Onboarding as a conversation — or a form. Applicants can switch between them mid-journey, and the same rules apply either way.
- Upload an ID document and the fields fill themselves
- Identity, KYC and core-system steps orchestrated by Composer
- Branded per organization
Segments decide what each customer sees.
Business teams define customer segments and map them to features, themes, content and verification rules. The apps pick it up on the next screen.
- Segment builder over a governed attribute catalog
- Capabilities, themes, content and notifications
- Changes audited like everything else
The apps call stable APIs. Composer does the rest.
None of the three apps owns a backend. Every API, agent, policy and workflow is a Composer project your institution governs.
ComposerAPIs · agents · policies · workflowsNot a skin. Yours.
Every feature is a module. Add one, switch one off, or replace it with your own — not a skin on someone else’s product.
New features, built AI-first.
New features are built with AI coding assistants inside documented guardrails and automated tests — then reviewed by your team.
Built with AI, through the same gates.
AI assistants work on Composer over MCP (the open standard for AI tools): a person picks the workspace, and every change is validated, shown as a plan, tested and shipped as a release you can roll back.
Secure by design. Built with AI.
How the three apps run on Composer: AI-driven delivery through governed gates, agents that confirm before they act, and protection on every API.
Ready from day one. Yours when you go live.
Every feature already runs on Composer services. Implementation points each service at your institution’s own systems.
- 01Connect your core
Composer’s connectors reach the systems you already run.
- 02Map the fields
Visual mapping, no integration code — the API contract stays the same.
- 03Deploy
A versioned, audited release — and one action to roll back.
The app doesn’t change. Same screens, same experience — now on your customers’ real accounts.
Fraud defense on the APIs you already have.
Fraud checks are policies you attach to your APIs — no code changes, and the API contract never moves. When a request looks risky, the customer is stepped up with MFA, or it is blocked before it reaches the core.
Every request is judged before it runs.
After sign-in and before an API touches a backend, Composer runs the project’s policies and returns one verdict. Built-in rules, your own fraud provider and decision tables the business owns can all have a say — and the API contract never changes.
- Built-in signals — velocity, new devices, credential stuffing
- Your fraud or risk provider, plugged in as an API
- Decision tables the business can read and change
Step-up when it matters
The code goes by SMS or email, with expiry, attempt limits and cooldowns built in.
Agents that ask first
Guardrails on every message, a suite of expected-answer tests before each agent ships, and every turn on the record.
Isolation the database enforces
Each organization is walled off by the database itself — never someone else’s data.
Two audit trails
Every change people make and every request the platform serves — explained by an AI auditor.
Frameworks we design to align with
Built on Composer.
The integration and orchestration platform at the center of N Suite — built to banking-grade standards, used across regulated industries.
Make it yours.
See N Banking, N Onboard and N Manager running end to end — and what it takes to put them on your institution’s systems.
Talk to UST →