Banking and Fintech

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

Bank-Grade Custody

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

Key Use Cases

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

Customer Journeys

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

Technical Implementation

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

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Conversational Intelligence

Chat and voice-enabled AI advisor that understands context, remembers preferences, and communicates in natural language

Market Intelligence

Sentiment analysis and macro trend detection using LLM and machine learning models trained on market data

Smart Recommendations

Personalized portfolio allocation based on risk profile, goals, time horizon, and current market conditions

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 (transaction history, payment patterns, behavioral scoring)

Automated document processing with OCR + liveness detection → fraud prevention

Smart contracts for automated loan disbursement & scheduled repayments

Real-time NPL (Non-Performing Loan) risk alerts enabling proactive intervention

Expected Outcome

Loan approval in minutes rather than days

Default risk reduced by over 30% through superior risk assessment.

From days → minutes & smarter underwriting

Personal Finance Management (PFM)

Rich, intuitive dashboards + conversational AI explaining “where your money went” in plain language.

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.

Conversational AI companion — helps customers understand financial patterns and make better decisions, answering “where did my money go?” with full transparency.

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 — modular, scalable, future-ready.

📱 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 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.

ISO 27001

PCI-DSS

GDPR

SAMA, CBUAE

Regional Guidelines

ISO 27001

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

✗Generic products

Slow (3-7 days)

3-5 business days

Branch-dependent

Digital-Only Neobanks

Limited robo-advice