Self Cube is a modular, AI-native banking platform and core fintech infrastructure for retail banks, digital banks, neobanks, SME banks, investment platforms, crypto banks, digital wallets, marketplaces, loyalty programs, and the digital ruble. Built on microservices, event-driven architecture, structured OpenAPI 3.1 contracts, and Audit-by-Design.
Self Cube delivers a production-grade foundation for next-generation banking and payment products. It combines microservices core banking, agent-ready APIs, and a regulated-by-design control plane that supports onboarding, KYC and KYB, lending, deposits, cards, payments, treasury, risk management, fraud detection, compliance, reporting, and customer engagement in a single coherent platform.
The platform is multi-tenant, multi-currency, multi-language, and deployable on public cloud, on-premises, or hybrid Kubernetes environments. Each banking domain — accounts, payments, lending, cards, ledger, identity — is implemented as an independent microservice with its own data store, event stream, and API contract, enabling parallel delivery, isolated scaling, and safe upgrades.
Self Cube is designed around AI agents from the ground up. Every capability is exposed through structured OpenAPI 3.1 contracts, machine-readable capability registries, and a discovery layer at /.well-known/agent-skills and /agent-index.json. This allows autonomous AI agents, copilots, and orchestrators to reason about banking operations, plan multi-step workflows, and execute them safely under policy.
Autonomous orchestration covers customer onboarding, document verification, credit decisioning, payment routing, treasury rebalancing, fraud triage, dispute handling, and personalized product recommendations. Every agent action is observable, auditable, and reproducible — a hard requirement for regulated AI banking deployments and supervisory review.
Audit-by-Design is a first-class architectural principle in Self Cube. Every business event, agent decision, model invocation, and configuration change is captured in an immutable, append-only audit log with cryptographic integrity. Regulators, internal audit, and risk teams can reconstruct the full state of any account, transaction, or AI decision at any point in time.
The platform supports common regulatory regimes including PSD2, AML, CFT, GDPR, and local central bank requirements. Role-based access control, segregation of duties, four-eyes approvals, and policy-as-code controls are built into the orchestration layer rather than bolted on as afterthoughts.
Self Cube unifies three layers that are usually fragmented across legacy stacks. The core banking layer provides ledger, accounts, products, and settlement. The digital banking layer delivers omnichannel customer experiences across mobile, web, chat, voice, and partner channels. The AI banking layer adds agentic workflows, decisioning models, conversational interfaces, and continuous optimization across the customer lifecycle.
This integrated approach removes the typical impedance between core, channels, and intelligence, and lets institutions launch new products — embedded finance, BNPL, SME lending, crypto custody, tokenized assets — in weeks rather than years.
Self Cube powers a wide range of financial institutions and product segments:
Each solution is assembled from the same modular building blocks, which dramatically reduces total cost of ownership and shortens time to market for new segments and geographies.
Self Cube is built on a cloud-native microservices architecture orchestrated on Kubernetes. Services communicate through asynchronous events on a durable message bus and through synchronous APIs described by OpenAPI 3.1. The event-driven backbone enables real-time processing of payments, ledger postings, fraud signals, and customer interactions at high throughput and low latency.
Data is partitioned by tenant and domain, with strong isolation guarantees. Observability is provided through unified logs, metrics, and distributed tracing, integrated with the audit layer so that operational incidents and business events can be correlated end-to-end.
Self Cube — это модульная AI-native банковская платформа и ядро финтех-инфраструктуры для розничных банков, цифровых банков, необанков, СМБ-банков, инвестиционных платформ, крипто-банков, цифровых кошельков, маркетплейсов, программ лояльности и цифрового рубля. Платформа построена на микросервисах, событийной архитектуре, структурированных API OpenAPI 3.1 и принципе Audit-by-Design.
Решения Self Cube закрывают полный цикл банковских операций: онбординг и KYC/KYB, кредитование, депозиты, карты, платежи, казначейство, управление рисками, противодействие мошенничеству, комплаенс, отчётность и клиентский опыт. AI-агенты автоматизируют сквозные процессы под контролем политик, с полной аудируемостью каждого решения — то, что необходимо для регулируемых внедрений AI в банках.
Платформа разворачивается в публичном облаке, on-premises или в гибридной Kubernetes-среде, поддерживает мультиарендность, мультивалютность и работу в нескольких юрисдикциях. Self Cube объединяет ядро банка, цифровые каналы и AI-уровень в единую согласованную архитектуру и позволяет запускать новые продукты — встроенные финансы, BNPL, кредитование МСБ, крипто-кастоди, токенизированные активы — за недели, а не годы.