Mobile Banking App
The mobile banking app serves as the primary customer touchpoint—a beautifully designed, lightning-fast
interface that makes every financial interaction feel effortless. Built on
modern architecture, it delivers enterprise-grade security with consumer-grade
simplicity.
Key Highlights:
- Onboarding completed in under 3 minutes using e-KYC, biometrics, and OCR technology
- Multi-currency accounts with instant virtual card issuance (Visa/Mastercard)
- Instant transfers, bill payments, and mobile top-ups
- In-app chat support powered by conversational AI with seamless handoff to human agents
- Push notifications for transactions, insights, and personalized offers
Digital Wallet
Benchmark: Paytm Wallet | stc Pay | Apple Pay
Flexible Architecture
Customers choose between custodial or non-custodial wallet modes based on their comfort level and use case
Multi-Currency Ready
Support for fiat currencies and stablecoins, enabling seamless value storage across borders
Tokenized Loyalty
Traditional loyalty points become blockchain tokens—tradeable, transparent, and instantly redeemable
Universal Payments
QR-based merchant payments and tap-to-pay functionality for both online and offline transactions
Crypto Custody Solutions for Digital Banking
Enabling Secure and Seamless Digital Asset Management
- Institutional-level security for all retail and institutional customers
- Multi-signature wallets where the bank acts as a co-signer for enhanced control
- Comprehensive insurance coverage for deposited digital assets
- Full adherence to regulatory frameworks like MiCA and local financial regulations
- Crypto savings accounts with yield generation capabilities
- Crypto-backed lending, allowing users to leverage digital assets for fiat loans
- Seamless DeFi integration through secure bank custody platforms
- Efficient cross-border remittances utilizing stablecoins for instant settlement
- AI-powered crypto investment portfolios for automated wealth management
- Robust estate planning and inheritance services for digital assets
- For example in Cogni Open banking integrations enabling secure data sharing with fintech partners, digital identity providers, and external financial ecosystem
- Traditional banking customer safely acquiring and holding Bitcoin
- Crypto-native users accessing fiat on/off-ramps and traditional banking services
- Businesses managing crypto treasury with secure, regulated solutions
- Family offices seeking institutional-grade custody for diversified digital portfolios
- Cogni users benefiting from unified access to both traditional and crypto accounts through open banking API
- Hybrid hot and cold wallet architecture for balanced security and accessibility
- Multi-party computation (MPC) technology for enhanced private key management
- Integration of Hardware Security Modules (HSMs) for cryptographic operations
- Real-time audit trails and automated compliance reporting for transparency
- In Cogni Secure API gateway for Open Banking integration (PSD2 / FDX compliant)
Peer-to-Peer Payments
Modern banking customers expect to send money as easily as sending a message. Our P2P payment engine delivers exactly that experience combining social simplicity with
institutional security.
Flexible Addressing
Transfer by mobile number, username, QR code, or even social media handle
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Social Finance
Group payments and bill splits with smart notifications and automatic reconciliation
Instant Settlement
Optional stablecoin rail enables real-time settlement without waiting for traditional
clearing
Intelligent Security
AML compliance and fraud scoring powered by AI continuously monitors patterns and
flags anomaliesOptional stablecoin rail enables real-time settlement without waiting for traditional
clearing
LLM-Based Robo-Advisor
Conversational Intelligence
Chat and voice-enabled AI advisor that understands context, remembers preferences, and communicates in natural language
Smart Recommendations
Personalized portfolio allocation based on risk profile, goals, time horizon, and current market conditions
Market Intelligence
Sentiment analysis and macro trend detection using LLM and machine learning models trained on market data
Explainable AI
Every recommendation comes with clear reasoning, ensuring regulatory transparency and building customer trust
Example Use Case:”How much should I invest monthly for a $50K goal in 3 years?” → Instant customized plan with asset allocation, risk assessment, and expected returns
AI Lending & Credit Verification
Traditional lending is slow, opaque, and often excludes creditworthy borrowers who lack conventional credit history. Our AI-powered lending engine transforms the experience for both customers and the institution.
Core Capabilities: •
Instant eligibility assessment using alternative data including transaction history, payment patterns, and behavioral scoring • Automated document processing with OCR plus liveness detection to prevent fraud • Smart contracts for automated loan disbursement and scheduled repayments • Real-time NPL (Non-Performing Loan) risk alerts enabling proactive intervention Expected Outcome: Loan approval in minutes rather than days, with default risk reduced by over 30% through superior risk assessment.
Personal Finance Management (PFM)
1:Automatic Categorization
AI categorizes every transaction with industry-leading accuracy, learning from
user corrections over time
2: Predictive Forecasting
Cash-flow predictions based on income patterns, recurring expenses, and
seasonal spending trends
3: Goal Planning
Gamified savings goals with visual progress tracking and milestone celebrations
4: Smart Alerts
Proactive notifications for overspending, missed payments, or opportunities to
save
The PFM module features rich, intuitive dashboards complemented by conversational AI that
can explain “where your money went” in plain language, helping customers understand their
financial patterns and make better decisions
Blockchain & Coin Differentiator
Move Value as Fast as Information
Instant Remittance
Cross-border transfers between MENA and Asia complete in seconds,
not days
Tokenized Rewards
Loyalty programs gain transparency, tradability, and instant
redemption
DeFi Integration
Licensed micro-investment pools using decentralized finance
protocols
CBDC-Ready
Compliance bridge architecture prepared for central bank digital currencies
Our blockchain layer represents a fundamental reimagining of how value moves through the financial system. Inspired by J.P. Morgan Onyx Coin Systems, Circle USDC, and Ripple Net, we propose issuing a bank-backed stable token for domestic settlement and cross-border B2B use
Platform Architecture
Enterprise-Grade Technology Foundation
Experience Layer
Mobile and web applications providing seamless omnichannel customer interactions
Fintech Microservices
Independent, scalable services for wallets, lending, PFM, and payments
AI Layer
LLM advisory engine, risk assessment models, and fraud detection algorithms
Blockchain Layer
Smart contracts, distributed token ledger, and settlement infrastructure
Integration Layer
Connectors to core banking (Mambu/Temenos Infinity), KYC providers (SumSub/ShuftiPro), and payment gateways (Checkout.com)
This layered architecture ensures modularity, scalability, and the ability to integrate with existing banking infrastructure while maintaining the flexibility to adopt new
technologies as they emerge.
Security & Compliance
In financial services, security and regulatory compliance aren't optional
features—they're the foundation. Our platform adheres to the highest
international standards and regional regulatory requirements from day one.
Standards & Certifications:
ISO 27001 (Information Security Management)
• PCI-DSS (Payment Card Industry Data Security)
• GDPR (General Data Protection Regulation)
• SAMA, CBUAE, and regional regulatory guidelines
Authentication
Multi-factor authentication and biometric verification
Encryption
End-to-end encryption using AES-256 and TLS 1.3
AML Engine
Behavioral AI for transaction monitoring
Zero Trust
Role-based access with continuous verification
Deployment Model
Flexible Hosting Options Tailored to Your Needs
Option A: Bank-Hosted Infrastructure
Deploy on your preferred cloud provider (AWS or Azure) within
Middle East data zones for complete control and data
sovereignty. Your infrastructure team maintains operational
oversight.
• Full data sovereignty and control
• Direct integration with existing systems
• Customizable security policies
• Ideal for large institutions
Option B: Cirus Managed Cloud
Leverage our fully managed Fintech Cloud (SaaS model) for rapid deployment with minimal IT overhead. We handle infrastructure, scaling, and ongoing maintenance. • Faster time to market • Predictable monthly costs • Continuous updates included • Perfect for agile institutions
Both options include: Auto-scalable Kubernetes containers · 99.99% uptime SLAs · 24/7 monitoring · DevSecOps pipeline with continuous security testing
Expected Impact
Operational Excellence
50% faster customer onboarding through
automated KYC and e-signature workflows
30% lower operational costs via AI
automation and process optimization
Customer Delight
4× increase in daily app engagement
compared to traditional banking apps
Net Promoter Score consistently above 70, indicating exceptional customer satisfaction
Strategic Position
Market leadership as the first AI +
Blockchain-native bank in the region
Competitive moat through technology
differentiation
Revenue Innovation
New revenue streams from FX margins,
advisory fees, and tokenized reward
programs
Higher wallet share through integrated financial ecosystem
Competitive Landscape
Clear Differentiation in the Market
Feature
AI Advisory
Blockchain Payments
Personalized Finance
Lending Automation
Cross-Border Speed
Customer Experience
Traditional Banks
✗Not available
✗Not available
✗Generic products
Slow (3-7 days)
3-5 business days
Branch-dependent
Digital-Only Neobanks
Limited robo-advice
✗Not available
Partial PFM tools
Moderate (1-2 days)
1-2 business days
Digital-first
Our Solution
✓LLM-based conversational
✓Instant token-based
✓Full PFM with predictive
✓AI scoring with instant
✓Real-time via blockchain
✓AI-enhanced omnichannel
While traditional banks struggle with legacy systems and neobanks offer basic digital experiences, our solution uniquely combines institutional trust with cutting-edge AI and blockchain capabilities.
