Loading The VR School
Loading The VR School
Full-service core banking for the deeper layer: loans, savings, payments, KYC, compliance, credit scoring, staff operations, and multi-tenant ledger.
One ecosystem
The wallet is the daily student surface. The bank profile is the auditable financial learning layer. The operating bank keeps deeper controls, rails, and institutional workflows separate.
Real-time banking metrics
98%
UPTIME
Full-stack banking operations
Onboard new banking customers with role-based access
Apply, approve, and manage loan applications
Open savings accounts, CDs, and recurring deposits
Process tuition, fees, and course purchases
Identity verification and compliance workflows
Monitor alerts, SAR rules, and sanctions screening
FICO-aligned AI credit assessment with SHAP
Bank employee operations and role management
Chart of accounts and double-entry audit trail
District and school isolation with partition routing
Reserve operations, governance, and system health
Modeled after Apache Fineract + Open Bank Project
┌──────────────────────────────────────────────────────────────┐
│ CUSTOMER CHANNELS │
│ Web Portal │ Mobile App │ SofAI Agent │ API/SDK │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ OPEN BANKING API LAYER (OBP v5.1) │
│ 550+ endpoints │ OAuth2/PKCE │ PSD2/XS2A │ Consent │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ CORE BANKING ENGINE │
│ Loans │ Savings │ Payments │ Ledger │ Credit │ Compliance │
│ KYC │ Staff │ Tenancy │ Scheduler │ Audit │ Scoring │
└─────────────────────────┬────────────────────────────────────┘
│
┌─────────────────────────▼────────────────────────────────────┐
│ DATA LAYER │
│ PostgreSQL │ 16,384 shards │ Hash-chain audit │ Encrypted │
└──────────────────────────────────────────────────────────────┘