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Digital Twin
The Legend Bank Digital Twin mirrors your platform ledger in real time—creating a bank‑owned, in‑sync record of customers, accounts, and transactions. You keep your product and payments stack; we provide regulatory assurance, deposit safeguarding, and transparent oversight.
Safeguarding Digital Twin
A Bank‑Owned Mirror of Your Ledger
Operate your own payments platform while maintaining a synchronized, bank‑maintained record for governance and resilience.
- Regulatory Oversight: Real‑time visibility into partner‑ledgered customers, accounts, and transactions to meet account ownership and recordkeeping requirements.
- Actionable Data: A central console to view, search, and manage customers, accounts, and transactions—enhanced with bank KYC, KYB, and AML monitoring.
- Deposit Resiliency: A complete, continuously updated bank ledger that serves as business continuity if a partner platform experiences downtime or failure.
Real‑Time Assurance
Continuous synchronization gives examiners and stakeholders confidence that records match activity—not just at end of day.
Continuity by Design
If your platform is disrupted, the bank’s authoritative ledger preserves balances, entitlements, and a clean path to continuity.
Transparent Reconciliation
Every event is captured with audit‑ready trails, simplifying reconciliations, investigations, and board reporting.
Faster Change Management
With shared visibility, approvals for product updates, controls, and limits move faster and with fewer surprises.
Our Core Services
Compliance-First Financial Services for Scaling Businesses
Integration at a Glance
Real‑Time Sync, Minimal Lift
Plug into the Digital Twin with events and backfills that map to your existing data model—so you keep control of the experience while the bank safeguards the record.
Data Alignment
Customer, account, and transaction objects align to your schema to reduce translation work and edge cases.
Event‑Driven Sync
Webhooks and streaming events update the bank ledger in near real time, with batched backfills for recovery or migrations.
Controls & Exceptions
Support for holds, freezes, reversals, write‑offs, and adjustments ensures the bank view matches operational reality.
Security & Access
Role‑based access, least‑privilege permissions, and immutable audit logs keep sensitive data protected and review‑ready.
Compliance & Oversight
Bank‑Grade Controls for Outsourced Ledgers
Operate confidently with a bank‑maintained mirror that supports FDIC‑insured deposit programs, clear ownership records, and ongoing monitoring.
FAQs
Frequently Asked Questions
What does this division of Legend Bank do?
We help companies—whether you’re a startup, an established fintech, or a non-financial brand—embed financial solutions like payments, accounts, and cards directly into your products and services.
How can I learn more?
Fill out our contact form, and our team will follow up to schedule an introductory call.
What is CaaS?
Compliance-as-a-Service supports businesses with or without in-house compliance teams. We provide expertise, oversight, and tools to help you build, refine, and maintain a strong compliance program while ensuring alignment with regulatory standards.
Who is this for?
Our solutions are designed for startups creating new products, established fintechs seeking a direct banking partner, and non-financial brands looking to add financial services for their customers. We serve both business and consumer sectors, helping companies of all sizes innovate and grow.
Looking for personal or business banking?
If you’re here for traditional banking—like opening a checking account, applying for a loan, or logging into online banking—visit legend.bank.
