andconst card = await nymcard.cards.create({ program_id: "prog_debit_consumer", cardholder_id: "ch_8sk29dla", form_factor: "virtual", currency: "USD",});Full-stack payments infrastructure, built AI-native.
nCore brings cards, lending, money movement, settlement, financial crime, and reconciliation onto one platform NymCard owns end to end. Built on a real-time data core, with AI woven through every capability, so each one runs from a 360° customer view.
0+APIs available
0.00%Platform uptime
<0sTransaction processing time
0+Currencies supported
Principal member of
and
andYour payments stack wasn't built. It was assembled.
A card processor, a separate fraud vendor, a ledger that doesn't talk to settlement, cross-border through someone else. Six vendors, six data silos, and six audit trails that don't reconcile.
The result isn't a platform. It's a collection of systems trying to behave like one.
No single view of the customer
The same customer exists across multiple systems, creating conflicting records and fragmented data.
No real-time view
Data moves between systems in batches and syncs, leaving every decision a step behind.
Intelligence lives on the outside
Risk, fraud, and decisioning rely on disconnected data sources rather than a shared foundation.
A stack of vendors, not a platform
Cards, fraud, the ledger, and cross-border payments each come from different providers.
Slow to evolve
Every new product, feature, or market expansion means another integration and another implementation cycle.
Cards
Card System
Last updated2h ago
Payments
Remittances
Last updated4h ago
Compliance
Compliance DB
Last updated1d ago
Lending
Loan System
Last updated8h ago
Risk
Risk Engine
Last updated12h ago
Ledger
General Ledger
Last updated12h ago
Customer A
ID: 78214
Balance
$4,210.00
Customer A
ID: 78214
Balance
$3,870.25
Customer A
ID: 78214
Balance
$4,975.50
Intelligence Layer
Risk · Fraud · Decisioning
Unable to establish a trusted customer record.
Multiple records.Conflicting data
Every capability starts from a 360° customer view.
One 360° view of every customer, not one record per system. No duplicate profiles, no conflicting balances, no histories that disagree.
360° customer view
Everything runs on live data.
Every transaction and event writes to one real-time data core, so decisions work from the current state, not last night's batch.
Risk signals
KYC
Reconciliation
Authorizations
Balances
Disputes
Transactions
Payments
Settlement
Real-time data core2,480,417 writes today
LiveAI-native, not AI bolted on.
Most platforms bolt intelligence onto fragmented data. The NymAI Layer is built into nCore, so its models reason over the same live data the platform already runs on.
- Decisioning
- Risk
- Fraud
- Routing
- Monitoring
- Automation
NymAI · live inference
Customer
Balance
Velocity
Device
Merchant
Decision · 12ms
Approve
risk 0.02
Every stage of the payments stack.
Launch a single capability or build your entire payments stack on one architecture.
Active card · DebitLive
•••• 4291
Freeze
eCommerce
Travel
Cards
Issue and process prepaid, debit, credit, virtual, and tokenized cards on native processing, with real-time controls.
Pay in 4 · 0% APRApproved
$120
PAID
$120
MAR 30
$120
APR 30
$120
MAY 30
4 paymentsTotal $480.00
Lending
Launch installment, revolving credit, and embedded lending programs on infrastructure built to scale.
Cross-border payout
You send
$10,000.00 USD
1 USD = 0.9184 EUR
Recipient gets
€9,184.00€9,184.00
Arrives instantly
Money Movement
Move funds across cards, accounts, wallets, and cash networks, at home and across borders.
Batch settling · $24,000.00USDC rail
$USD
STABLECOINUSDC$USD
Real-timeReal-time
Settlement
Settle in real time across currencies, including 24/7 stablecoin settlement, without relying on correspondent banking networks.
Per-transaction screeningCleared
Fraud
Risk
3D Secure
AML
Sanctions
Identity
Financial Crime
Embed fraud prevention, AML, sanctions screening, identity verification, and risk controls directly into payment flows.
12,48012,480
98.4% matched$24,000
$24,000
$ 8,400
$ 8,400
$ 1,200
!$ 1,200
LEDGER ↔ BANK1 EXCEPTION
Reconciliation
Automate matching, exception management, and operational reporting across every transaction.
Modernise without starting over.
Move from fragmented infrastructure to nCore in phases, keeping existing programs live throughout the transition.
Phased migration
Parallel runs
Portfolio migration
Re-carding support
AI-led migration tooling
Run nCore where your data has to live.
Deploy the same platform in the model your regulator, your infrastructure, and your business require.
Cloud
On-soil
On-premise
Connects to your existing core banking platform. No replacement required. PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001 certified.
Built for engineers.
Comprehensive APIs, implementation guides, webhooks, and developer tooling that get you to integration faster.
Read the docs →Common questions
See what your stack looks like on nCore.
Talk to NymCard about moving off fragmented infrastructure and building your whole payments stack on one AI-native platform.