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Modernizing Core Systems 

Branch-less, Cloud-Native, Real-Time for Fast Deploymen.

  Empowering Digital Banking  

X>Core can help to modernize, rapidly and efficiently, legacy core banking systems. 

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MLabs Digital Lending uses X>Core to improve the lender efficiency.  Generating and releasing a loan or transferring data to a digital banking system with X>Core for real-time transactions. Th digital loan origination manages the entire loan lifecycle, from billing to payments, to collections, to general ledger. X>Core configurable digital lending platform, optimizes cross industry financial operations, by providing a streamlined pathway to achieve unparalleled efficiency. 

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X>Core has been designed to provide a branch-less banking processing and to elevate client experience by offering enhanced convenience, agility and customized services. X>Core provides agile banking products and the type of insight-driven experiences that today's digitally connected, end-users expect. Customers can open their accounts, perform transactions, and subscribe for financial services, without visiting a bank branch or using other customer servicing channels.



X>Core financial data APIs and customizable front-end provides a securely connected infrastructure and utilize the end-users’ financial data. Microservices are hosted on the cloud with flexible architecture easy to configure and align to real-time requirements. X>Core secures APIs with policies, manage client access, group APIs as products, and monitor and analyze traffic. MLabs can supply FinTech Operators to set their offerings based on digital technologies to access new revenue streams.

Functions & Advantages

Pre-configured products and functionalities for a rapid deployment


Highly configurable wallet accounts used to conduct various customer debit or credit transactions. These accounts can be defined for specific customer segments and support different currencies.


Savings or rewarding type,  used as a deposit accounts to mature periodical interest that can be transferred as credits to wallet accounts. A functionality that can be implemented as a unified user experience


Flexible lending module that allows the creation of different types of loan products to be offered to customers. The lending products can be defined for specific customer types, it reduces costs and brings efficiencies.

Customer On-boarding

A powerful module that enables customer on-boarding via APIs or straight from the system's front-end. It offers the collection of any customer details and the option to conduct Anti Money Laundering checks and KYC validations.

Easy to Configure

X>Core is built with simplicity at its foundation. Various products, customer segments and other business attributes can be easily and quickly configured to enable timely response to continuous dynamic market demands.

Simple Front-End

The user friendly front-end is designed so that customer serving employees can use it even without training. For administrators, a simple admin panel is available to allow simple products configurations.

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