The Operating System for Financial Infrastructure
Build regulated payments, ledger, treasury, settlement, compliance and identity on one modern platform — engineered for banks, fintechs, PSPs and enterprises.
- ClientWeb · Mobile · POS · API01
- Payment IntentIdempotent · signed · routed02
- RiskStreaming rules · ML scoring03
- LedgerDouble-entry · immutable04
- TreasuryBalances · FX · policies05
- SettlementRails · clearing · payout06
- Digital AssetsOptional on-chain leg07
Designed for regulated financial institutions
Built to meet the security, compliance and operational standards banks and regulators expect.
A layered core designed for scale
Every layer is independently deployable, observable and horizontally scalable. Bank-grade isolation with a developer-first surface.
- 01ClientsWeb, mobile, POS, backend systems
- 02Protocol LayergRPC, REST, streaming events, webhooks
- 03API GatewayAuthZ, rate limits, idempotency, routing
- 04IdentityKYC · KYB · sessions · step-up · consents
- 05PaymentsCards · ACH · SEPA · Wires · Instant
- 06Risk & ComplianceRules · ML scoring · sanctions · monitoring
- 07LedgerDouble-entry · reconciliation · reporting
- 08TreasurySweeps · FX · policies · liquidity
- 09Financial AccountsProgrammable accounts · virtual IBANs · sub-ledgers
- 10SettlementClearing · routing · payout orchestration
- 11Digital AssetsOptional on-chain leg · signed transactions
- 12InfrastructureKubernetes · Postgres · Redis · RabbitMQ · OTel
Every financial primitive. One platform.
Composable building blocks engineered for regulated money movement — from ledger to settlement.
Cards, bank rails and alternative methods with intelligent routing, retries and reconciliation.
Immutable, auditable ledger with real-time reconciliation and regulator-ready reporting.
Multi-entity, multi-currency balances with sweeps, FX and policy-based approvals.
Programmable accounts, virtual IBANs and named sub-ledgers with automatic reconciliation.
Clearing, routing and payout orchestration across domestic and cross-border rails.
Streaming rules and ML scoring with case management, feedback loops and explainability.
AML, sanctions, transaction monitoring, SAR filing and regulator-ready reporting.
KYC, KYB, document intelligence and step-up flows with rich audit trails.
Optional blockchain connectivity with signed transactions and account abstraction.
Ship faster with modular products
Adopt what you need today. Extend without re-platforming tomorrow.
Programmable accounts with balances, holds, virtual sub-ledgers and named virtual IBANs.
Cards, ACH, SEPA, wires and instant rails with adaptive routing and retries.
Multi-entity, multi-currency treasury with sweeps, FX execution and policy-based approvals.
Double-entry ledger, real-time reconciliation and regulator-ready journal exports.
Onboard sub-merchants at scale, split payouts and manage risk from a single console.
Named virtual account numbers with automatic reconciliation and routing.
Streaming rules and models with case management, feedback loops and explainability.
KYC, KYB, sanctions, transaction monitoring, SAR filing and regulator-ready reporting.
REST + gRPC APIs, typed SDKs, streaming events, sandboxed environments and CLI tooling.
Built on proven, boring, unstoppable tech
The stack the world's most reliable systems already run on.
Made for engineers who ship money
First-class SDKs, typed APIs, gRPC streams, CLIs and OpenAPI — with docs your team will actually read.
import { Hostra } from "@hostra/sdk";
const hostra = new Hostra(process.env.HOSTRA_KEY!);
const payment = await hostra.payments.create({
amount: 42_800,
currency: "USD",
source: "src_1Nq",
destination: "acct_northwind",
idempotencyKey: "pay_9f2k",
});
console.log(payment.status); // "settled"TypeScript, Go, Python, Kotlin, Swift — semantic-versioned and generated from OpenAPI.
Bi-directional streaming for ledger events, payment state and risk signals.
hostra login, hostra keys, hostra tunnel — everything scriptable from the terminal.
Fully spec'd surface — codegen your own clients or import into Postman / Insomnia.
Deterministic fixtures, faults, latency and time-travel for reliable integration tests.
Task-oriented docs with runnable snippets, changelog, migration guides and cookbooks.
Where we're going next
SQL-like queries over ledger events with sub-ms materialized views.
Threshold-signed wallets across 12 chains with policy engine.
Streaming graph features and case management for high-volume merchants.
Regulated banking rails packaged for licensed operators.
Financial infrastructure for every model
From banks modernizing their core to fintechs building from scratch — one platform, one API surface.
Modernize your core without replacing it
Wrap legacy cores with a modern ledger, real-time rails and a developer-first API surface.
Go to market in weeks, not years
Accounts, payments, treasury, compliance and reporting — as composable, production-grade primitives.
Run acquiring and payouts at scale
Intelligent routing, adaptive retries, split payouts and merchant onboarding on a single control plane.
Embed regulated money movement
Global money movement, virtual accounts and treasury automation embedded into your products.
APIs engineered like software, not banking
Typed SDKs, gRPC streams, OpenAPI, CLI and a first-class sandbox — with docs your team will read.
Trusted by teams moving regulated money
Security posture, availability guarantees and observability built for banks and enterprise fintech.
Hardware-backed keys, HSM signing, secret rotation and zero-trust internal network.
Tokenization, SAQ scope reduction and PCI-tuned data paths.
Active-active regions with automated failover and drills.
Metrics, logs and traces via OpenTelemetry into any backend.
Independently scalable services with backpressure and load shedding.
Immutable, signed audit events for every state change.
Idempotent APIs by default with replay-safe event streams.
Data residency options across EU, US, MENA and APAC.
Build regulated financial infrastructure with Hostra
Talk to our team about your platform, or explore the developer documentation.