/// Products

One core. Six products. A design system.

We build payment and banking software on a single core — ledger, accounts, cards — and ship each part as its own product. Everything below runs in production demos today, licensed as software and deployed whitelabel under your brand, and all of it renders on the same design system.

Explore Protocore Pay Contact us

/// Pay · Whitelabel Banking Software

One banking core. Any app you can imagine on top.

Protocore Pay is whitelabel banking software for banks and e-money institutions: ledger, accounts, KYC, and cards in a single core, with an app layer that adapts to any design language and any feature mix. Halcyon, Lumen, Fern, Volt, and Meridian — the demo apps shown here — are five example directions out of infinitely many. Yours is designed for your brand and your users.

[ 01 ]Accounts with IBANs and physical and virtual cards in one core
[ 02 ]P2P and chat payments, payment links, groups, and payroll built in
[ 03 ]Subscriptions control, salary sorter, and team cards as product modules
[ 04 ]An operator console for the back office — customers, transactions, cards, audit
[ 05 ]Five example apps — Halcyon, Lumen, Fern, Volt, Meridian — show the range; yours is designed for your brand

Halcyon example app payment link review screen in a light, blue, clean layout requesting €75.00 for dinner, with the shareable link, a copy button, the amount in euros, a seven-day expiry, and a Share link button — Halcyon — one example direction, light and clean: a €75.00 request as a link, shared anywhere.

Lumen example app home screen with an indigo super-app layout showing a €1,386.42 EUR balance, round actions, a dinner request from Andrei Nistor marked Owes you, and recent transactions — Lumen — one example direction: an indigo super-app.

Fern example app home screen with a light mint transfers-first layout showing a €2,458.30 total, Send, Add money and Request pills, EUR and GBP balance cards, and recent transactions — Fern — one example direction: transfers first, for people who mostly send.

Volt example app home screen with a near-black minimal layout showing a €1,912.40 balance, four action tiles in electric mint, a card balance card, and sub-accounts as dark row cards — Volt — one example direction: an ultra-dark, minimal money app.

Meridian example app trip summary in deep petrol dark for London totalling £17.00 plus €38.60 across three payments, explaining that the card paid from the GBP balance first and fell back to EUR when it ran low, with a prefer-local-currency toggle and the three transactions listed by day — Meridian — one example direction, deep petrol dark: the card picks the right account at the till.

Whitelabel platform

Any

Design language · feature mix

IBAN

Accounts + cards

Example app directions

See it in action Contact us

Licensed as software — deployed whitelabel under your brand.

/// The platform

Five products. The same core.

Every product below runs on the rails Protocore Pay proves — the same ledger and accounts — and each one is licensed as software and deployed whitelabel, with a production demo behind it.

Center · Operations Console

Protocore Center

The operator console — customer 360s, ops queues, every rail, every privileged action audited.

Explore Gateway · Payments

Protocore Gateway

Hosted checkout software — cards, Apple Pay, Google Pay, and bank transfer on one payment page.

Explore PoS · In-person Payments

Protocore PoS

In-person terminal software that takes tap and insert — and settles nightly to IBAN.

Explore vIBAN · Reconciliation

Protocore vIBAN

Virtual IBANs at scale — one master account, a dedicated IBAN per payer, reconciliation by construction.

Explore Issuing · Card Programs

Protocore Issuing

Card programs at two speeds — full-KYC debit with IBAN, or a light-KYC prepaid card in 60 seconds.

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/// How it fits together

One payment, end to end.

Payments run in stages — authorization, capture, settlement, reconciliation. Each product below is the software for one stage, handing off to the next over one core ledger.

ACCEPTSETTLE
Protocore GatewayProtocore vIBANProtocore Center
Gateway authorizes and captures the payment; settlement pays out in EUR against one order reference. Bank-transfer orders carry vIBAN references so incoming SEPA credits identify their orders by construction — and whatever doesn't match lands in Center's reconciliation queue as a counted exception.
TAPBATCHFUND
Protocore PoSProtocore Gateway
PoS takes tap and insert on Gateway's order model, closes the day into a named batch, and settles overnight to the merchant's IBAN as one line. Counter and checkout reconcile as one business — same references, same receipts.
ISSUECONTROL
Protocore IssuingProtocore PayProtocore Center
Issuing puts a card in Apple Pay or Google Pay — virtual first, push-provisioned as a device token. Every authorization then checks balance and per-card controls on Pay's ledger, and freezes, limit changes, and reissues run through Center, reason-required and audited.
ONBOARDMONITOR
Protocore PayProtocore Center
Pay runs KYC before money moves — documents, liveness, sanctions screening at onboarding. Center carries the ongoing half: screening hits, review queues, and an append-only audit log that explains every decision after the fact.
DISPUTERESOLVE
Protocore GatewayProtocore Center
When a cardholder disputes a charge, the Gateway order is the evidence file: authorization result, receipt, refunds, and webhook history against one reference. Center is where operators work it — queues with the clock visible, every action on the record.

/// PDS · Design System

The design system behind everything we ship.

PDS is Protocore's own design language, extracted from the products we build and hardened in production. Dark-first, token-driven, and documented end to end — the same components that render this site and our client dashboards, packaged so a team can adopt them in an afternoon.

[ 01 ]100+ production components — from primitives to full page compositions
[ 02 ]Design tokens for color, type, space, and motion; two themes, five accents
[ 03 ]Dark-first, accessible by default, zero-runtime CSS
[ 04 ]Token packages for web, .NET, and native — one color means the same thing everywhere
[ 05 ]Documented at pds.protocore.io — live examples, props, and copy-paste code

101

Components

Themes

Accents

Zero

Runtime CSS

Explore the design system Request access

PDS is proprietary and licensed per team. Request access and we'll set you up.

Pick a product. Or take the core.

Everything above runs in production demos we can walk you through — product by product, or as one platform under your brand. Tell us what you're building and we'll show you the shortest path to it.