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The banking platform for
the AI era.
Launch faster, stay in control and move at the speed of AI without compromising quality, compliance or scale.
50 financial institutions · 12 countries.
Trusted by leading banks, lenders and fintechs
Platform
Banks can't ship change at the speed their customers expect
Most cores talk about AI. Very few have the foundations to support it. Oradian was built API-first, with open data access, a programmable core and an Native MCP extension framework, the prerequisites AI in banking actually depends on. From idea to execution at the speed of AI.
API-first platform
Every capability exposed through stable, versioned APIs. Build on top, integrate anything, swap pieces as you grow.
Programmable core
Our controlled extension framework lets you embed custom logic safely, without forking the platform. You own it, you control it.
Open data access
A structured data model with full exportable datasets and real-time streams. The foundation any serious AI or analytics workflow needs.
AI-native core
An AI agent trained on our platform, docs and extension patterns customises the core and powers AI-driven workflows in origination, monitoring and operations, without specialist engineering resource.
Native MCP
Native Model Context Protocol surface exposes Instafin's APIs and examples to any AI agent. From requirement to production-ready extension in days, not months.
Governed & auditable
Every extension, integration and AI interaction is role-scoped, versioned and explainable to regulators.
Use Cases
The core banking platform that does what you want, when you want.
Use cases banks, lenders and fintechs are running on Oradian today. Move from requirements to production-ready functionality in days, not months.
Product Configuration
Design, price and ship new products in days. Natural language to production-ready functionality.
Business Customisation
AI-authored configuration and Custom Code under governance, so your differentiation lives inside the core.
Lending
Term loans, instalments and microfinance on a single, AI-native core.
Credit Lines
Revolving credit, overdrafts and SME facilities, fully governed, end-to-end, on a single core.
Deposits
Savings, term deposits and current accounts that compose with everything else you offer.
BNPL
Launch merchant BNPL with native risk, settlement and lifecycle on Oradian rails.
Embedded Finance
White-label deposit, lending and card products inside partner apps via stable, versioned APIs.
Explore the platform
See how Oradian fits your use case. Book a walkthrough with our team.
Talk to usCapabilities
A platform built to move at the speed of your business
Open APIs, clean data and a programmable core mean your team can launch products, adapt to regulation and extend the platform on your own terms. No forks, no vendor bottlenecks, no waiting for the next release.
Launch products faster
Parameterise, test and release new deposit, lending and card products in days, not quarters.
Reporting that keeps up
Real-time portfolio, risk and regulatory reporting on live data, ready when the board, the regulator or your team asks.
Serve more customers
Scale onboarding, servicing and collections across millions of accounts without scaling headcount at the same rate.
Automated operations
Embed automation into origination, monitoring and servicing so your team focuses on judgement, not data entry.
Stay audit-ready
Every product change, workflow and AI decision is scoped, versioned and explainable, ready for regulators without extra effort.
Resilient at scale
Battle-tested across 12 countries with 99.98% platform uptime.
One source of truth
A single structured data model across products, ledgers and operations, so reporting, decisions and integrations all line up.
Evolve without re-platforming
Versioned extensions and a modular core let you ship change continuously without breaking what works.
Proof
Measured in production.
99.98%
Uptime
750+
Native API endpoints
*Limitless endpoints with Custom Code
8,800
TPS
*A batch of deposit or withdrawal transactions
Sub-100ms
Response times
Testimonials
Trusted by leading institutions
"Oradian offers a vital combination of flexible, scalable, best-in-class technology and comprehensive in-market customer support that enables us to drive growth, scale rapidly, and boost our performance."
George Chesakov
CEO, Salmon
"In an era of higher demands from clients, it is paramount to have a trusted partner who delivers on technology. Oradian demonstrated experience, local know-how and a dominant track record in the Philippines, making them a natural partner."
Rajan Uttamchandani
CEO, Esquire Financing
"We partnered with Oradian to leverage existing infrastructure and trusted system performance to scale our solutions to new markets and perfect offerings in our current markets."
Laurin Hainy
CEO, FairMoney
"What sets Oradian apart is that they are not just a tech provider. They are a true partner building a collaborative network and ecosystem that goes way beyond banking, facilitating ideation and knowledge sharing."
Tom Kocsis
President & CEO, RAFI Microfinance
Salmon · Market entry powered by future-ready core banking
How Salmon launched market-disruptive consumer loans in the Philippines on Oradian.
Read the story+648%
Loan portfolio growth on Oradian in 12 months
6.7×
customer growth in 23 months (to 2M customers)
200×
increase in monthly lending throughput over 23 months
12.1M
customers with active accounts managed
FairMoney
How FairMoney scaled lending and deposits across Nigeria on Oradian.
Read the story Philippines · SME financing company3×
loan portfolio growth in under 2.5 years
Esquire Financing Inc.
How Esquire Financing Inc. powers business growth with Oradian.
Read the storyAbout Oradian
Move forward. Stay in control.
Oradian was founded to enable financial institutions to reach more clients, move faster, and unlock growth, in the markets where the opportunity is largest.
Our Mission
To boost financial services in emerging markets by enabling financial institutions to grow and serve more clients.
Our Vision
A world where every financial institution has the tools it needs to serve its community and reach more customers quickly.
What We Believe
Founding principles
Markets change. Technology changes. These are the convictions that haven't.
Progress
Technology should remove constraints, not create them. Progress should be limited by vision, not by what a core can support.
Ownership
Institutions should stay in control of their products, data and destiny. Growth and dependency should never be the same transaction.
Collective Intelligence
Every institution sees a different slice of the future first. What's learned in one market should make every other institution stronger.
Our Story
A customer growth philosophy
For us, technology was never the point. Growth is.
We exist because too many ambitious institutions have been told to choose between moving fast and staying in control, between innovating and staying compliant, and between serving the customers they have and reaching the ones they don't yet. We don't think that choice should exist. Infrastructure should accelerate execution and an institution's ambition should be the limiting factor in how far it goes, never its core.
That belief shapes everything we build: open data that institutions can act on the moment it matters, a programmable core that adapts as fast as the market does, and AI-native foundations built for the decade ahead.
Our growth and our customers' growth are the same outcome, measured from two different sides of the same number. When an institution we work with launches a product in days instead of quarters, reaches a customer segment that was previously unreachable, or makes a decision in real time that used to take a week, that is the philosophy working as intended.
We are not in the business of keeping up with ambitious institutions. We are in the business of giving them nothing left to wait for.
Local Expertise
Implementation by our own expert team
With specialist teams in Europe, Asia, and Africa, our AI-native, API-first core banking platform is purpose-built for financial institutions in emerging markets.
We handle every local implementation ourselves, never outsourcing to third parties. This means smoother transitions, faster project timelines, and the practical benefit of working with people who know your market, your regulator, and your specific operational challenges.
Ready to ship your next product?
Talk to one of our core banking experts about your institution, your market, and what an AI-native core could unlock for your next growth phase.
See Oradian in Action