Adaptive Platform

Data continuity, efficient processes and fast decisions for entire industries.

Between systems, between departments, between organizations, structured data breaks down at every handover point. In corporate banking, for example: between customer and bank, between different banking systems, between lead arranger and syndicate. The Adaptive Platform is the shared data layer where that stops.

The Data Reset Loop.

The same information is restructured at every interface. The balance sheet from the core banking system is sent as a PDF, retyped in the back office, reformatted in Excel for the committee, then forwarded to the syndicate partner as a PDF.

Data lost 0% Core Banking Structured Data
This isn't bad software.
It's a structural pattern.
The processes around it exist largely
just to compensate for this regression.

Process Software

Classic process software digitises the workflow, not the data. The more you build, the more rigid the system.

Freeform Tools

Freeform tools promise the opposite — and collapse under the complexity as soon as structures are used across organisations.

Guardrails where complexity demands them.
Freedom where it works.

Different sources
Banks, real estate agents, and appraisers each bring their own information
Organized by purpose
Information reorganized into logical groups that match how decisions are made
Process platform
Credit processes in the logic in which they actually run.
Data platform
A company, a property, a financing exist once in the model.
General Information
Property Type: Office Building
Location: Munich, Germany
Size: 2,450 sqm
Year Built: 2018
Condition: Excellent
Zoning: Commercial
Securities
Collateral: 1st Rank Mortgage
Market Value: €8.5M
LTV Ratio: 65%
Guarantees: Corporate Guarantee
Covenants: Standard
Insurance: Full Coverage
Financial Data
Loan Amount: €5.5M
Interest Rate: 3.45% p.a.
Term: 10 years
Annual Rental Income: €680K
Borrower Rating: A- (Excellent)
Credit Score: 780
Loan Amount: €5.5M
Interest Rate: 3.45%
Term: 10 years
LTV Ratio: 65%
Property Value: €8.5M
Rating: A-

Three products. One foundation.

Built for enterprise.
Made for humans.

Demo preview unavailable. Please contact us for a live demonstration.

atrium

Corporate banking
on a shared data foundation.

Origination, structuring, valuation, decision, servicing—all in one system on one data layer. Relationship managers, back office, risk, appraisers and syndicate partners work on the same case.

atlas

The whole real estate market
in one interface and much more.

Enter an address. See the market picture. Generate a valuation draft. Benchmark a portfolio. From a single location to a macro forecast.

argus

See who is
behind a company.

Shareholders, holdings, ultimate beneficial owners, recursively resolved from the registers. Monitoring included. One dossier instead of three systems.

From the institution to the ecosystem.

The most expensive Data Reset is the one between organisations. That's precisely where it has been accepted as unavoidable. It isn't.

We started in the corporate banking business of the Sparkassen-Finanzgruppe, in cooperation with S-Management Services. The next step isn't the next institution — it's that data is no longer torn apart across institutional boundaries.

We're building the shared data layer that an entire industry runs on.

Shared Data Layer A B C

Let's start where it's most concrete.

45 minutes with our team. Your use cases, our architecture, an honest assessment.