Koodooka is an AI-native, modular banking platform that enables financial institutions to launch branded banking products on top of their existing core systems. The platform includes a five-agent federated intelligence core, 57 Rust microservices, and a next-generation gateway called NEXUS, all designed for compliance and predictable performance. Koodooka also powers Moni, a mobile AI banking app for life events, currently launching in the UK.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional banking transformation programs are costly, complex, and often take years to complete, preventing financial institutions from quickly launching the modern, community-focused products their customers expect. Legacy core systems and monolithic architectures make it difficult to introduce AI-native features, open banking capabilities, and compliant digital experiences without significant engineering investment.
Solution
Koodooka provides a fully compliant, AI-native banking platform that bolts onto any existing core, including legacy systems, allowing institutions to launch branded products without multi-year transformation projects. The platform is built on 57 Rust microservices and a five-agent federated intelligence core, with NEXUS as a next-generation gateway that consolidates mobile, web, admin, and B2B traffic into a single instance. Koodooka's agent-native design handles compliance, operations, customer intelligence, product orchestration, and risk management as persistent, observable states rather than queues. The platform also powers Moni, a mobile AI banking app for life events, which serves as a live proof of the platform's capabilities and can be rebranded for partner institutions.
Target Audience
Primary customers are financial institutions, including banks, building societies, and fintech companies, that want to launch branded banking products on top of their existing core systems without undergoing lengthy transformation programs.
Features
- NEXUS gateway with traffic-lane prioritisation, per-lane authentication, WASM plugin extension, and agent-native MCP support
- 57 Rust microservices covering ledger, payments, KYC, KYB, cards, open banking, sessions, and notifications, each independently deployable
- Five-agent core (Compliance, Operations, Customer, Product, Risk) federated over NEXUS via MCP for coordinated decision-making
- Memory-safe, low-latency architecture with no GC pauses or JVM warm-up, built for regulated workload SLAs
- Native support for OIDC providers including Firebase, Entra, and mTLS+HMAC, with per-lane authentication flexibility
- Moni app features include AI-powered financial conversations, vault document storage with Azure Document Intelligence, and voice processing without raw audio retention