Side-Core banking platform
Connect Existing Banking Infrastructure with Digital Financial Rails
Add New Financial Capabilities
Without Replacing the Core
DCM’s Side-Core is a modular banking infrastructure layer that operates alongside a financial institution’s existing core. It enables banks to introduce new digital-finance capabilities while preserving established operations, compliance processes, liquidity frameworks and balance-sheet integrity.
Financial institutions can use Side-Core to support tokenized deposits, stablecoin payments, programmable payment flows and blockchain-based settlement without rebuilding the systems they already rely on.
Launch in weeks,
not years
Deploy new digital-finance capabilities without a core rewrite. Extend existing banking infrastructure while keeping established systems and operations in place.
What Is a Side-Core Banking Platform?
A Side-Core banking platform is an infrastructure layer that operates alongside a bank’s existing core banking system, adding new financial capabilities without requiring core replacement.
DCM’s Side-Core connects traditional banking infrastructure with new digital financial rails. It provides the orchestration, APIs, payment messaging and transaction infrastructure required to introduce programmable money and blockchain-based settlement while keeping existing banking systems in place.
How it works
Side-Core sits between the bank’s existing core infrastructure and new digital financial rails. Through APIs, orchestration and ISO 20022-native payment messaging, it coordinates transactions between existing banking systems and blockchain-based infrastructure.
The bank retains control over customer accounts, authorization and operational processes, while Side-Core manages the additional infrastructure required for programmable money and digital settlement.
Side-Core handles all blockchain complexity
Real-time sync and reconciliation with core
Operates with existing banking and regulatory frameworks
Deploying under current compliance and reporting regimes
A composable approach
Combine components and services to build exactly what’s needed
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Payment Processing:
– Integrates with existing ISO 20022 infrastructure with no impact on existing messages and validation rules.
– Enables institutions to adapt payment rules to better meet regulatory and operational needs.
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Clearing & Settlement:
– Real-time and gross settlement.
– Real-time liquidity management.
– Automated reconciliation.
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Tokenized Deposits:
– Supports programmable commercial bank money within existing banking infrastructure.
– Maintains connection to existing liquidity, compliance and operational frameworks.
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Bank Maintains Control:
– Bank manages customers’ blockchain accounts.
– Authorizes all operations.
– Sets rules and limits per customer.
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Interoperability:
– Customer accounts work with blockchain assets permitted by the bank.
– Native compatibility with third-party stablecoins.
– Controlled access to the entire blockchain ecosystem.
Built for Interoperability with
Existing Banking Infrastructure
Side-Core uses ISO 20022-native payment messaging to connect new digital settlement rails with the operational language banks already use.
This allows transaction and settlement activity to be reflected across existing banking and back-office environments without requiring institutions to move into a separate operational ecosystem. The ISO 20022 standard provides a common structure for financial messaging across systems and market infrastructures.
Side-Core Banking Platform Use Cases
Tokenized Deposits
Support programmable commercial bank money while maintaining connection to existing banking, liquidity and compliance frameworks.
Stablecoin Payments
Support payment and settlement workflows involving stablecoins alongside existing banking infrastructure.
Payment Messaging
Support ISO 20022-native messaging and programmable payment flows across existing and new financial infrastructure.
Clearing & Settlement
Support real-time settlement, reconciliation and liquidity management across participating financial institutions.
Account-to-Account Payments
Support direct bank-account payment flows while connecting transaction processing with existing banking infrastructure.
Digital Asset Settlement
Connect blockchain-based transactions and settlement processes with existing banking infrastructure.
Security and Governance
Built into the Infrastructure
Security is built into Side-Core as part of the infrastructure rather than added as a separate layer. The platform is designed to introduce new digital financial capabilities while preserving institutional control, authorization, auditability and established security processes.
DCM is ISO/IEC 27001:2022 certified, while Side-Core is designed to operate within the security, governance and compliance frameworks expected from regulated financial infrastructure.
FAQ
What is a Side-Core banking platform?
A Side-Core banking platform is an infrastructure layer that operates alongside a bank’s existing core banking system, adding new digital financial capabilities without requiring core replacement.How does DCM’s Side-Core Banking Platform work?
DCM’s Side-Core connects existing core banking infrastructure with new digital financial rails through APIs, orchestration, payment messaging, and transaction infrastructure. It enables banks to introduce new capabilities while keeping existing systems and operational processes in place.Does Side-Core replace a bank’s core banking system?
No. Side-Core is designed to operate alongside existing core banking systems rather than replace them. Banks can introduce new digital financial capabilities while preserving their established infrastructure, operations, and controls.What can banks use DCM’s Side-Core Banking Platform for?
Banks can use Side-Core to support tokenized deposits, stablecoin payments, payment messaging, clearing and settlement, account-to-account payments, and digital asset settlement while maintaining integration with existing banking infrastructure.Does DCM’s Side-Core Banking Platform support ISO 20022?
Yes. Side-Core supports ISO 20022-native payment messaging, helping banks connect new digital financial rails with existing payment, settlement, and back-office environments.Can Side-Core support tokenized deposits and stablecoin payments?
Yes. Side-Core enables banks to support tokenized deposits and stablecoin payment flows while maintaining connection to existing banking, liquidity, compliance, and operational frameworks.How does Side-Core connect to blockchain infrastructure?
Side-Core acts as a bridge between existing banking systems and blockchain infrastructure. It manages the additional orchestration, transaction, and integration layers required for blockchain-based financial services while allowing the bank to retain control over customer accounts, authorization, and operational processes.
info@dcm.systems
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