A fully enabled banking apparatus built on a simplified architecture with modern technology. It saves money, increases capability, scalability and value.
Exchange &
Settlement Layer

The ability to move money easy, cheaper and faster.

Digital Currency Glacier

An asset backed digital currency "hold" for all value within the platform. Immuniable ledger, smart contracts

Deposits Core

Connection to traditional banking system via approved and regulated partners.

EtudePay Take Payments Experience to The Next Level


Our application uses containerization,  microservices and distributed applications. Each container operates independently of others making everything easier, saves time, money,  increasing speed to market and ROI.


Independently deployable 

microservices using BIAN architecture modeling 

delivering highly agile and scalable, componentized applications where APIs are managed as products.

Increased Velocity of Money

PQ = V*M


To increase GDP or “PQ” in a fixed currency regime, velocity must be increased. The EtudePay and EtudeDigital Core systems deliver the vehicle to increase the velocity of money.


Our infrastructure is treated as services logically pooled so that administrators don't have to physically configure hardware to support a specific software application. Saving more time and money when launching, fixing or upgrading.


Cloud-based systems that automates our workflows, delivers new services faster, boosts efficiency along with ability to scale and deliver significant cost savings. which get our clients to market faster.

Reduced Fraud + Delinquency

Increased transaction security through smart contracts, blockchain, and above all fraud reduction to unseen levels. Reduced fraud and delinquency adds value to the Income Statement and Balance Sheet directly. Best in class fraud capability and delinquency management applications.

No monolithic code, no mainframe, cheaper, faster, and easier. It's 100% compliant and scalable on Azure or AWS.

Speed + Efficiency

15k plus transaction per second at a fraction of the cost of your old main frame.

Future Ready

Continuous innovation for today and your product visions for tomorrow.

Build on Your Terms

BIAN compliant with commitment to open source, and support for all languages and frameworks, build how you want, and deploy where you want.

Hybrid by Design

On-premises, in the cloud—we’ll meet you where you are. Integrate and manage your environments with services designed for hybrid cloud.

Trust Your Cloud

Get security from the ground up, backed by a team of experts, and proactive compliance trusted by enterprises, governments, and startups.

Future Ready.

Our Partners

A best in class partner network encompassing the full breadth of payment and banking needs for our clients

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