https://protocore.io/blog/ Engineering write-ups from the teams building Protocore systems — payments, AI, and the custom hardware they run on. No noise, just how the work is actually done. en Mon, 20 Jul 2026 13:44:39 GMT https://protocore.io/blog/what-is-a-virtual-iban/ https://protocore.io/blog/what-is-a-virtual-iban/ Payments Sun, 19 Jul 2026 00:00:00 GMT What a virtual IBAN is, how per-payer IBANs route into one master account, and why credits then reconcile themselves — returns, exceptions, bulk issuing. https://protocore.io/blog/agentic-payments/ https://protocore.io/blog/agentic-payments/ AI Sun, 19 Jul 2026 00:00:00 GMT What agentic payments are — software that initiates its own payments — why unconstrained agent spend is the failure mode, and the policy model that contains it. https://protocore.io/blog/one-core-many-apps/ https://protocore.io/blog/one-core-many-apps/ Engineering Sun, 19 Jul 2026 00:00:00 GMT One whitelabel banking core, many branded apps: what varies (design, IA, features), what never does, and why token theming beats forking the codebase. https://protocore.io/blog/do-you-need-a-banking-license/ https://protocore.io/blog/do-you-need-a-banking-license/ Payments Sun, 19 Jul 2026 00:00:00 GMT Most fintech apps never hold a banking licence. A plain-language map of the permission spectrum — bank, EMI, payment institution, agent — and partner models. https://protocore.io/blog/core-banking-vs-baas/ https://protocore.io/blog/core-banking-vs-baas/ Payments Sun, 19 Jul 2026 00:00:00 GMT Core banking is the ledger of record; BaaS rents someone else's core through an API. The spectrum from owning a core to riding an agent — what each gives and costs. https://protocore.io/blog/the-payment-lifecycle/ https://protocore.io/blog/the-payment-lifecycle/ Payments Sun, 19 Jul 2026 00:00:00 GMT The definitive walkthrough of a payment: authorization hold, capture, clearing, settlement, payout — and how a crypto leg adds a bridge without rewriting the flow. https://protocore.io/blog/designing-a-kyc-review-queue/ https://protocore.io/blog/designing-a-kyc-review-queue/ Engineering Sun, 19 Jul 2026 00:00:00 GMT A KYC review queue is where checks a machine could not clear meet a human. Straight-through vs manual review, segmented exception queues, and reason-required audited actions. https://protocore.io/blog/accepting-crypto-at-the-point-of-sale/ https://protocore.io/blog/accepting-crypto-at-the-point-of-sale/ Payments Sun, 19 Jul 2026 00:00:00 GMT How to accept crypto in store: a QR at the terminal, a locked euro quote, settlement to EUR, and offline handling — the merchant's books stay in euros. https://protocore.io/blog/running-a-crypto-atm-fleet/ https://protocore.io/blog/running-a-crypto-atm-fleet/ Payments Sun, 19 Jul 2026 00:00:00 GMT Crypto ATM operations is cash logistics with a screen: cassettes and cash levels, the cash-to-crypto exchange, remote lock, and per-machine reconciliation. https://protocore.io/blog/white-label-neobank-buyers-guide/ https://protocore.io/blog/white-label-neobank-buyers-guide/ Payments Sun, 19 Jul 2026 00:00:00 GMT A buyer's guide to white-label neobank platforms: separate core from app layer, check licence separation and design-system depth, and weigh build versus buy.