fincarna

Built for banking, not retrofitted from SaaS

Fincarna is a pricing and revenue management platform. Your systems send us the data and we execute the rate, fee, and deal logic you define. Configure it through the dashboard, extend it with JavaScript, automate it through the API. Your core stays untouched.

The Fincarna launchpad, with Pricing, Billing, Rates, Deal Desk and Promotions under Solutions

System architecture

Fincarna operates as an independent service layer between your core banking system and your customer-facing channels. It consumes account, transaction, and customer data from your core, applies pricing logic, and produces billing events that are written back to your core or downstream systems.

Your infrastructureCore BankingAccounts & LedgerGeneral LedgerComplianceInterest AccrualCustomer DataUnchangedFincarna EngineRate AuthorityIndexed, tiered, gridFees & BillingSchedules, waivers, quotasDeal DeskNegotiated, approved termsCatalogVariants, bundles, promosAudit TrailImmutable, queryableEvent BusAt-least-once deliveryProgrammable CoreCustom rules · Versioned models · JavaScript engineAI Code AssistantCustom-trained LLM · No data leaves your environmentREST API & WebhooksDashboardConfiguration, analytics, reportsChannelsOnline BankingMobile AppBranch SystemsData WarehouseAnalytics & ReportingConnektEventsPricingReportsConnekt ingestBilling eventsRequests

AI Code Assistant

Describe your billing logic in plain language and the assistant generates production-ready JavaScript for the pricing engine. Custom-trained on financial billing patterns. Runs entirely within your Fincarna environment.

Custom-trained LLM
Air-gapped, no data leaves
Zero data exfiltration
A price action rule in the Fincarna editor that waives the monthly fee and in-person overage when the minimum balance is $3,000 or more

Deployment options

Cloud-hosted

Fincarna-managed

Fincarna runs in a dedicated, isolated tenant on AWS. Data residency in the country of your choice. We manage updates, scaling, and monitoring.

Best for: Institutions that prefer a managed service and don’t require on-premises deployment.

Private cloud

Your infrastructure

Fincarna is deployed in your cloud account (AWS, Azure, or GCP). You control the infrastructure. We provide the container images, Helm charts, and operational runbooks.

Best for: Institutions with strict data residency or infrastructure control requirements.

Deploy once for your network

Fincarna supports both single-institution deployments and shared deployments where multiple institutions operate on a single platform. Each tenant gets fully isolated data, encryption keys, pricing rules, and billing cycles.

Dedicated deployment

Single institution

One instance, one institution. Full control over infrastructure, data residency, and upgrade schedule. The simplest model for institutions that want complete isolation.

Shared platform, isolated tenants

Network or consortium

A central, league, or service provider deploys Fincarna once and offers it to member institutions. Each institution operates independently with its own data, pricing models, and billing configuration. No institution can see or affect another.

Separate encryption keys per tenant. Separate database schemas. Full audit trail isolation. A compromise in one tenant cannot access another tenant’s data.

API-first design

Every runtime operation is available through the REST API: adding accounts, customers, balances, events, enrollments, upgrades, and more. The dashboard is built on the same API. What you can do in the UI, you can automate through the API.

Java SDKJavaScript/TypeScript SDKPython SDKOpenAPI 3.0 spec

See the architecture in action

We’ll walk through a live integration scenario using your core banking system as the example.

or email us at hello@fincarna.com