Supercharge Your Core Platform
Digital Twin Enables Instant PaymentsM&ABaaSStablecoins
Trusted by:
2/3
top global banks
3/10
top U.S. banks
1/3
of all banks in Brazil
DIGITAL TWIN
A Real-Time Transaction Ledger for 24X7 Banking — Including Digital Assets
Consumers expect to use their banking services when, where and how they need them.
The challenge is that Core banking systems were designed to process transactions on weekdays 9am - 5pm; not to support money movement 24X7.
Digital Twin works alongside your Core to authorize transactions and update balances whether the Core is up or down. So you can provide the around-the-clock money movement your customers expect.
Matera's partnership with Circle enables banks and credit unions to embed stablecoins into their mobile apps to allow customers to see their stablecoin balances alongside their traditional bank balances. They can also send, receive, and pay with USDC around the world. More info here.
Bring USDC to your customers without overhauling your Core
Create better experiences for your customers
Save money (NO charge per transaction or API call)
Built to Match Modern Banking Expectations
Built to Match Modern Banking Expectations
Authorize transactions and update balances in real time without being limited by Core downtimes.
USDC for financial institutions
Embed stablecoin into your mobile app to let customers send, receive, and pay with USDC around the world.
Resilience During Outages
Customers continue transacting even when your Core is offline for maintenance or unexpected outages.
Banking-as-a-Service (BaaS)
Host fintech and FBO accounts with real-time balance visibility for easy reconciliation.
M&A & Core Upgrades
Confidently merge from two Cores to one or replace one Core for another. Customers can keep transacting even during cutover weekends.
Future-Ready for Innovation
Support Open Banking and AI applications to fuel ongoing transformation.`
Get to know Digital Twin
Proven Performance
As tested by Microsoft & Avanade
Read the full case studyLarge number of accounts
Over 12,000 tps
across 145 million accounts
High volume merchants
Over 3,000 tps
in a single account
Key Features
Matera’s Digital Twin is deployed in the cloud, allowing financial institutions to scale up or down based on demand.
Hosts many account types (Stablecoins, DDA, Savings, Credit Card, Loyalty Points, Crypto, etc.)
Multi-currency
Multi-decimal point
Multi-time zone
Every transaction is immutable to provide perfect journaling
Cloud & database agnostic
How Matera’s Digital Twin Works
Digital Twin is deployed in the cloud, adjacent to a bank’s Core.
Select account balances are replicated to Digital Twin.
When account holders want to send or receive money:
- Digital Twin authorizes the transactions in real-time
- Balances are updated immediately in the digital channels
- The Core credits/debits the accounts in the system of record
Digital Twin Enables Real-Time Digital Experiences
No Core replacement needed
Cloud-based solution that doesn’t consume unnecessary resources
Relieves the Core of critical functions
Extremely high throughput and response times while maintaining resiliency
Core Integration
Integrating Digital Twin with the Core involves just four key connections, delivering eventual consistency without the risk of double spending.
Technical Resources
Technical Deep Dive
Event-driven architecture in payments: Lessons from scaling Digital Twin
Download NowGet Started with Digital Twin
Power your financial institution with real-time banking capabilities and unmatched resiliency.
Contact us today to learn how Digital Twin can transform your financial institution from legacy to legendary.
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