The banking platform for
the AI era
Launch lending, deposit and wallet products, reach new customer segments and capture market share on a core that never holds you back.
50 financial institutions. 13 countries.
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Trusted by leading banks, lenders and fintechs
Platform
Turn market ambition into revenue
Winning your next segment, whether that means launching revolving credit lines, deposit products, wallets, BNPL, and other financial products, requires extreme product velocity. Oradian gives your business, product and tech teams the autonomy they need to design, launch, and scale high-margin lending and deposit products in days, not quarters. Move faster, stay in control of your roadmap, and capture market share while keeping your core reliable and compliant.
API-first platform
750+ stable, versioned APIs with sub-100ms response times. Connect distribution channels, run real time partner interactions and adapt your product architecture as your market share grows.
Programmable core
Our controlled extension framework enables your team to build custom logic safely, from credit rules and deposit terms to wallet flows and partner integrations, keeping your competitive edge inside the platform without vendor delays.
Open data access
Live data access for accurate risk tracking, faster loan approvals, and lower bad debt rates.
AI-native core
Automate loan approvals, account management, and collections so you can grow loan volumes without hiring more staff.
Native MCP
Connect quickly with external tools and partners so you can launch new features in days, not months.
Governed & auditable
Every product change, partner connection, and automated step is logged and ready for regulators, keeping your growth compliant.
Use Cases
The core banking platform built to grow your revenue and market share
How leading lenders and fintechs use Oradian to reach more customers and launch new products in days.
Product configuration
Design and launch new credit or deposit products in days to beat competitors to market.
Business customisation
Own your unique credit rules and partner logic inside Oradian with zero vendor delays.
Lending
Scale term loans, instalments, and microfinance on a reliable core built for growth.
Credit lines
Increase customer value with flexible revolving credit, overdrafts, and high-margin SME loans.
Deposits
Fund your lending growth with simple savings, term deposits, and everyday accounts.
BNPL
Capture checkout volume with built-in credit scoring, instant payout, and settlement.
Embedded finance
Reach pre-qualified borrowers by offering white-label loans, deposits, and cards inside partner apps.
Explore the platform
See how Oradian powers your growth plan. Book a short walkthrough with our team.
Speak to usCapabilities
Built to drive your growth
Launch products faster, enter new markets, and outpace competitors without IT delays or vendor bottlenecks.
Launch products faster
Test and release new loan, deposit, or card products in days without waiting for technical teams.
Reporting that keeps up
Instant portfolio, risk, and compliance reports ready whenever your board or regulator asks.
Serve more customers
Scale onboarding and loan servicing to millions of accounts without adding operational headcount.
Automated operations
Automate loan applications, monitoring, and servicing so your team can focus on growing the business.
Stay audit-ready
Every product update and credit decision is tracked automatically, making compliance effortless.
Resilient at scale
Battle-tested across 13 countries with 99.98% uptime to support high loan volumes with zero downtime risk.
One source of truth
All product, ledger, and customer data sits in one place for clear reporting and accurate decisioning.
Evolve without re-platforming
Update and change your products continuously without disrupting active loan books or live operations.
Proof
Measured in production.
13
Countries live
750+
Native API endpoints
*Limitless endpoints with Custom Code
8,800
TPS
*A batch of deposit or withdrawal transactions
Sub-100ms
Response times
Testimonials
Trusted by leading institutions
"Oradian offers a vital combination of flexible, scalable, best-in-class technology and comprehensive in-market customer support that enables us to drive growth, scale rapidly, and boost our performance."
George Chesakov
CEO, Salmon
"In an era of higher demands from clients, it is paramount to have a trusted partner who delivers on technology. Oradian demonstrated experience, local know-how and a dominant track record in the Philippines, making them a natural partner."
Rajan Uttamchandani
CEO, Esquire Financing
"We partnered with Oradian to leverage existing infrastructure and trusted system performance to scale our solutions to new markets and perfect offerings in our current markets."
Laurin Hainy
CEO, FairMoney
"What sets Oradian apart is that they are not just a tech provider. They are a true partner building a collaborative network and ecosystem that goes way beyond banking, facilitating ideation and knowledge sharing."
Tom Kocsis
President & CEO, RAFI Microfinance
Salmon · Market entry powered by future-ready core banking
How Salmon launched market-disruptive consumer loans in the Philippines on Oradian.
Read the story+648%
Loan portfolio growth on Oradian in 12 months
6.7×
customer growth in 23 months (to 2M customers)
200×
increase in monthly lending throughput over 23 months
24M
accounts on a single deployment
FairMoney
How FairMoney scaled lending and deposits across Nigeria on Oradian.
Read the story Philippines · SME financing company3×
loan portfolio growth in under 2.5 years
Esquire Financing Inc.
How Esquire Financing Inc. powers business growth with Oradian.
Read the storyAbout Oradian
Move forward. Stay in control.
Oradian was founded to enable financial institutions to reach more clients, move faster, and unlock growth, in the markets where the opportunity is largest.
Our Mission
To boost financial services in emerging markets by enabling financial institutions to grow and serve more clients.
Our Vision
A world where every financial institution has the tools it needs to serve its community and reach more customers quickly.
What We Believe
Founding principles
Markets change. Technology changes. These are the convictions that haven't.
Progress
Technology should remove constraints, not create them. Progress should be limited by vision, not by what a core can support.
Ownership
Institutions should stay in control of their products, data and destiny. Growth and dependency should never be the same transaction.
Collective Intelligence
Every institution sees a different slice of the future first. What's learned in one market should make every other institution stronger.
Our Story
A customer growth philosophy
For us, technology was never the point. Growth is.
We exist because too many ambitious institutions have been told to choose between moving fast and staying in control, between innovating and staying compliant, and between serving the customers they have and reaching the ones they don't yet. We don't think that choice should exist. Infrastructure should accelerate execution and an institution's ambition should be the limiting factor in how far it goes, never its core.
That belief shapes everything we build: open data that institutions can act on the moment it matters, a programmable core that adapts as fast as the market does, and AI-native foundations built for the decade ahead.
Our growth and our customers' growth are the same outcome, measured from two different sides of the same number. When an institution we work with launches a product in days instead of quarters, reaches a customer segment that was previously unreachable, or makes a decision in real time that used to take a week, that is the philosophy working as intended.
We are not in the business of keeping up with ambitious institutions. We are in the business of giving them nothing left to wait for.
Local Expertise
Implementation by our own expert team
With specialist teams in Europe, Asia, and Africa, our AI-native, API-first core banking platform is purpose-built for financial institutions in emerging markets.
We lead every local implementation ourselves, keeping control and accountability inside Oradian, and bring in relevant partners and system integrators where their expertise adds value. That means smoother transitions, faster project timelines, and people who know your market, your regulator, and your operational realities.
Ready to grow faster this year?
Talk to a core banking expert about your market, your segments and the revenue an AI-native core could unlock in your next growth phase. You leave the call with a clear view of what is possible and what it takes.