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Platform architecture
Talvera Systems OÜ

White-label banking platform architecture

Talvera Systems develops front-end interfaces and customer acquisition infrastructure from Tallinn. Accounts, IBANs, and safeguarding remain strictly under the direct regulatory perimeter of our licensed partner institution.

Technical scope

Four dedicated operational capabilities

We engineer the customer-facing layer while all regulated payment execution, account issuance, and custodial balances remain with the partner institution.

Platform and web portal

KYC data collection

Brand and distribution

First-tier user support

Full development and EU-based hosting of responsive web portals and mobile applications, integrated directly into the partner institution's core banking infrastructure via secure APIs.

Collection of identity verification materials formatted strictly to the compliance specifications of the licensed institution, which independently reviews and sanctions every individual account opening.

Targeted customer acquisition and distribution across permitted European Economic Area jurisdictions, collaborating with certified accounting networks and company formation advisors.

Technical and usability assistance for the digital platform. Account-level inquiries, fund execution questions, and formal complaints escalate immediately to the institution's operations desk.

Regulatory perimeter

Strict separation of operational responsibilities

Talvera Systems operates exclusively as a technology and distribution provider. We never touch user funds, manage custodial ledgers, or execute payment transactions. Every payment instruction and account balance is maintained by an authorized credit or payment institution.

This structural clarity ensures compliance officers and due diligence teams inspect clean operational demarcations. Our platform layer interfaces with authenticated core banking endpoints, ensuring all regulatory filings and safeguarding obligations remain uncompromised.

Integration model

Four stages to market

01
02
03
04

API connectivity

Compliance alignment

Distribution rollout

Ongoing operations

Direct interface mapping between Talvera front-end viewports and your core banking ledger via TLS-secured, audited REST endpoints.

Implementation of institution-mandated onboarding criteria, KYC verification flows, and formal data processing agreements under GDPR.

Deployment of the localized portal interface alongside compliant marketing channels tailored specifically to your passported EEA jurisdictions.

Continuous UI maintenance, tier-one user support, and regular operational reporting, leaving account decisions entirely within your purview.

Institutional inquiries

Request partner documentation

Institutional compliance teams and prospective bank partners may request our complete due diligence package, including AML workflows and platform architecture specifications.