Solutions
One trusted foundation for digital banking
Identity & Trust and five DEOSX products: digital identity, digital banking, digital money, payments, tokenised assets and trade finance, under your brand and licence, live in months.
- 20+ years
- Serving Malaysian banks since 2003
- 5 of 10
- Of Malaysia's largest banks served today
- 18M
- Authentication and mobile banking transactions a month (2020)
- Shariah
- Built in across every product
Identity & Trust and the platform
Identity and authentication, attestation, approvals, secure access and digital ID, alongside the foundation and delivery that sit under every DEOSX product.
Identity & Trust
Identity and authentication, attestation, approvals, secure access and digital ID for governments.
Explore Identity & TrustPlatform Foundation
How Digital ID, compliance, the Shariah layer and the regulator console sit under every DEOSX product.
See the Platform FoundationIntegration & Delivery
We connect identity and DEOSX to the systems you already run, take you live and run it with you.
See how we deliverWhat is DEOSX?
DEOSX is the digital banking platform from iSentric. It gives financial institutions five products, digital banking, digital money, payments and settlement, markets and liquidity, and trade and supply chain finance, on one shared foundation of identity, compliance and oversight.
Institutions can take a single product or the full platform. Everything runs under the institution's own brand and licence, integrates with its existing core and channels, and can be deployed on public chains, the institution's own network or a private network.
Five products, one foundation
| Product | In one line | What's inside |
|---|---|---|
| Digital Banking | Your own digital bank or wallet, under your brand | Wallet for fiat, stablecoin and CBDC; virtual and physical cards; consumer and Shariah credit |
| Digital Money | Issue and manage your own digital money | Stablecoin and deposit tokens; CBDC distribution; reserves and a live regulator view |
| Payments & Settlement | Move value instantly, at home and across borders | Real-time domestic payments; remittance corridors; cross-border B2B settlement and FX |
| Markets & Liquidity | Issue, hold and trade digital assets | Tokenised sukuk, credit and gold; white-label custody; exchange venue and OTC desk |
| Trade & Supply Chain Finance | Finance trade on verified data | Digital trade documents with DvP; deep-tier supplier finance; lending against collateral |
Choose a product
Digital Banking
Your own digital bank or wallet, with cards and credit, under your brand.
Explore Digital BankingDigital Money
Issue and manage stablecoins, deposit tokens and CBDC, with a live regulator view.
Explore Digital MoneyPayments & Settlement
Move value instantly, at home and across borders.
Explore Payments & SettlementMarkets & Liquidity
Issue, hold and trade digital assets, including tokenised sukuk.
Explore Markets & LiquidityTrade & Supply Chain Finance
Finance trade on verified data, down to the smallest supplier.
Explore Trade & Supply Chain FinanceThe full platform
All five products on one shared foundation of identity, compliance and oversight.
What is DEOSX?One foundation under every product
Every product shares one Digital ID, one compliance layer (AML, sanctions, Travel Rule, audit trail), a Shariah layer and an operator and regulator console.
- One Digital ID
Verify a customer once and reuse that identity across every product.
- One compliance layer
AML, sanctions screening, Travel Rule and a full audit trail.
- A Shariah layer
Shariah-compliant versions of products, built in.
- Operator and regulator console
One view for your operations team and, where required, your regulator.
A customer onboarded once can use all five products. See the digital ID and compliance layer for banks.
Built for
New digital products without a core rebuild, plus Shariah versions.
Digital banking for commercial banksDigital currency issuance and oversight, with value kept onshore, and digital ID for governments.
CBDC platform for central banksLower corridor costs, faster payout, better FX margins.
Remittance corridor technologyIssuance, custody and trading of tokenised assets, including sukuk.
Tokenisation for exchangesTransparent collection, payments and member services.
Zakat collection and distribution systemWhy DEOSX
- Your brand, your licence. Customers and revenue stay with you. No joining someone else's network.
- Any network. Public chains, your existing network, or a private one built for you. Data stays in-country.
- One counterparty. Platform, partners and operations in one contract and one support line.
- Islamic finance built in, not added on, across every product.
- Backed by iSentric since 2003. The team that has built mobile banking and payments for Malaysian banks. See our journey and past clients.
What your institution gains
New fee income
On every transfer, conversion and card payment.
Deposits stay onshore
Remittances become bank balances.
Lower cost to serve
Fewer intermediaries, automated compliance.
Data to lend on
Verified payment history to underwrite households and SMEs.
Works with what you run
| Area | Detail |
|---|---|
| Integrates with | Core banking, mobile and internet banking, payment switch and RTGS, treasury and FX, reporting |
| Deployment | In-country, cloud, on-premises or hybrid |
| Networks | Public chains, your existing network, or a private network |
| Services | Integration, training, 24/7 monitoring, regulatory engagement support. See Integration & Delivery |
DEOSX FAQ
Can we start with one product?
Yes. Take one product or the full platform; every product plugs into the same foundation, so you can add more later.
Does DEOSX replace our core banking system?
No. It adds capability on top of your existing core, channels and payment systems.
Whose brand do customers see?
Yours. DEOSX runs under your brand and licence.
Can it be deployed in our country?
Yes. DEOSX can be deployed in-country, in the cloud, on-premises or hybrid, so data and control stay local.
Is it Shariah-compliant?
Shariah-compliant versions are built into every product.
How long does it take to go live?
Live in months, not years, depending on scope and integration.
Who delivers it?
iSentric, with specialist partners where needed, under one contract and one support line.