Not AI-ready
An architecture designed before AI existed cannot expose the entitlements, context and audit trail an agent has to run inside.
Transform your core.Without the big bang.
Fivolv lightens and progressively replaces the core: one component at a time without impacting the existing ecosystem. Running in production at HDFC Bank, one of the world's largest banks by market capitalisation.
Capabilities that were never core, taken out and run once, at enterprise level.
Running in production at HDFC Bank, one of the world's largest banks by market capitalisation.
Talk to us about your coreSee how it worksToday's reality
An overloaded core rarely fails loudly.
Every product got its own system, and every system got its own copy of everything: customer data, pricing, limits, documents, and fourteen more, built for one product processor and then built again for each of the others.
Hover over any product to see what it carries.Tap any product to see what it carries.
The weight shows up as a long list of problems. These are six of the ones that quietly shape the experience your customers get, and the pace your teams can work at.
No process owner
No single application owns a business process end to end, so a journey is stitched across systems and no one can say where it currently is.
Limited, bolt-on APIs
Interfaces added after the fact rather than designed in, with security and privacy following later still.
No real-time sync
An update in one system does not reach the others until something else runs, so the same customer is in two states at once.
Batch-bound operations
Cut-off windows, overnight runs and planned downtime, in a market that has stopped accepting any of the three.
Not built for scale
Volume and resilience were not the original design constraint, so both get bought with hardware rather than architecture.
What changes with Fivolv
The same six, the other way round.
Each one is answered by the way Fivolv is built, not by a workaround. Here is what it looks like from your side of the desk.
Ready for AI
Every capability carries the entitlements, context and audit trail an agent needs, so AI works inside your controls rather than around them. Its reasoning is visible, and a person can always overrule it.
One owner for every process
Each capability is owned once, for the whole bank, and every business process has one place that runs it end to end. Anyone can say exactly where a journey is, because there is one answer.
Interfaces designed in
Every capability is built to be called from the start, with security, privacy and consent designed into it rather than added afterwards. Nothing is bolted on because nothing needs to be.
One state, everywhere
A change made once reaches every system that needs it, at that moment. Your customer is never in two states at once, and nobody waits for something else to run.
Always on
No cut-off windows and no end-of-day. Upgrades happen with no downtime, and the bank keeps running through every one of them, for customers and for your teams.
Scale by design
Volume and resilience are the design constraint, not an afterthought. The platform runs across regions and across cloud providers, so growth and failure are both absorbed by the architecture rather than bought with hardware.
Fivolv adoption doesn't need a specific cutover date. Here is how.
How we get you there
Lighten the core first. Replace what's left, last.
Most of what sits inside the core was never core to begin with. Take those capabilities out, run them once at enterprise level, and the core lightens in four steps.
- 1
Lay the Foundation
Start supporting the core from outside. Nothing in the existing ecosystem changes, and nothing is switched off.
- 2
Lighten the Core
Introduce enterprise components alongside what runs today. Capabilities common at bank level move out, and the core carries less with every step.
- 3
Accelerate the Process
Bring the full set of enterprise components into the ecosystem, each one owned once and shared across every product.
- 4
Replace the Product Processors
Last, not first. By the time processors are replaced, the bulk of the functionality has already moved out to enterprise components, so what remains to migrate is small.
That is what progressive transformation buys you. No disruptive, large-scale replacement. No date on which the bank changes systems and hopes.
Read the architecture rationaleGradual.
One component at a time, alongside what runs today.
Measurable.
On live traffic, at a share you choose, watched as it grows.
Reversible.
Rollback stays available at every step of the way.
The platform
The Fivolv Functional Landscape.
Five layers, built from the foundation upward. Enterprise components sit between your channels and your product processors, each owning a single capability for the whole bank, with the agentic layer above them turning a request into a plan before anything executes.
EngagementLayer
Self-Service
Assisted
APIs
AgenticLayer
Intent
Reasoning
Capability Selection
Explanation
EnterpriseComponents
eParty
eConsents
ePayments
eStandIn
ePricing
eOrigination
eProductHub
eCollateral
eLimits
eDocument
ProductProcessors
Assets
Liabilities
Interest
NPA
Accounting
FoundationLayer
Analytics
Workflow
Rules Engine
Governor
Security
Co-Ex Layer
Any enterprise component can be deployed standalone.Minimal change to your ecosystem, no dependency on the rest of the platform, and no obligation to take the suite. Sequencing is driven by your priorities and your pain areas, not ours.
Transformation on your terms
Migrate at your pace.
Prove it before you commit.
Every enterprise component migrates progressively. Nothing here is a switch thrown on a Saturday night. What differs is where you choose to make the cut, and that is designed around your bank rather than handed to you.
Or a pattern of your own
Each component can be migrated on a pattern built for it.
Cuts can be combined, sequenced or invented: one component by traffic, the next by segment, a third on a rule written for a single portfolio. The pattern follows the risk the bank is actually carrying, the calendar it is actually working to, and the order its pain areas sit in. We design it with you, per component.
Both systems co-exist until you're confident. Rollback stays available the entire way.
Live in production
FYNDNA and HDFC Bank, in a multi-year partnership for next-generation banking.
One of the world's largest banks by market capitalisation is replacing its core progressively with FYNDNA, component by component, with the bank running throughout. Fivolv is not a proposal we are hoping to prove. It is running in production, at that scale, today.
HDFC Bank
Progressive core transformation, on a multi-year engagement.
- The bank never stops running
- Four components live, more in implementation
- Rollback available at every step
How it is built
Twelve commitments. Four reasons a bank can trust them.
Every component is built to the same twelve commitments. Here they are, grouped by what they mean for the bank, each with the technology that keeps it.
Independent
Take one component, or ten, in any order, without touching anything else you run.
Commitments
- Independent components with individual deployability
- Cloud native, cloud agnostic and API first
- Co-exist with other OEM solutions for the same functionality
Kept by
- Kubernetes
- Helm and Terraform
- Dapr
- Spring Boot
Resilient at scale
Built for national payment volumes, and to keep running when a region, or a whole cloud provider, goes down.
Commitments
- Designed to scale, availability and resilience
- Automated deployments with no downtime
- Observability and manageability
Kept by
- YugabyteDB
- KEDA
- OpenTelemetry
- Dashboards and anomaly detection
Governed by design
Every action is authorised, recorded and explainable, which is what a regulator and an auditor both ask for.
Commitments
- Privacy, security and consent by design
- Every function is a configurable business process
- Standards aligned: BIAN and ISO 20022
Kept by
- Temporal
- Secrets management
- Policy-based access
- Posture scanning
Open and intelligent
Nothing proprietary in the foundations, and the data ready for analytics and AI from the first day.
Commitments
- CNCF aligned, vendor neutral
- Configurable data model including extensibility
- Built-in analytics, AI native
Kept by
- Apache Kafka
- Apache Spark
- Lakehouse analytics
Replacing the core is not the risk. Doing it all at once is.
Tell us which part of your core hurts most. We’ll show you what taking it out looks like, and how a bank like yours proved it with live traffic before committing.