Transform your bank.
Without transforming your bank
The fully compliant, AI-native banking platform that brings your bank to the community you serve, in your brand, and on top of the bank you already are.
Koodooka opens a doorway to where your community already banks daily
We built an AI-native, modular banking platform so you can launch the products your customers care about — in your brand, without the cost or complexity.
Stop spending millions on multi-year transformation programmes. Partner with Koodooka and launch right now, not in years.
Launch the products your community already uses elsewhere — current accounts, cards, payments, open banking, KYC/KYB, compliance — in your name, on top of the bank you already are. Modular, so you choose what to open and when.
We didn't write a whitepaper. We built Moni. A mobile, AI-native banking app for life events. A clear preview of what your version can be — same platform, same craft, your brand.
Core banking, ledger, AI — written ground-up in Rust, AI-native from the first commit, fully compliant by design. Sits on top of any core, even legacy. The engine that lets the doorway exist.
A financial assistant
that actually thinks
Moni spots the small leaks, asks the right questions, and negotiates the next move with you — not at you. It's the first product built on the Koodooka platform, and it's launching in the UK.
figure out today?
The same rails
behind Moni,
for your brand.
Partner with Koodooka to build or power the next generation of banking products — whether you're the savings bank behind Moni or an institution transforming your own stack.
Banks and building societies plug in as the deposit provider behind Moni. Make Moni your new AI-native distribution channel.
Launch a modern banking experience on our infrastructure — AI-native from day one, fully compliant from day one.
Launch the banking experiences your customers expect, without replacing the bank you already are
Koodooka sits above existing infrastructure and gives institutions the modern product layer they need: onboarding, account access, payments, cards, Open Banking, customer journeys, compliance workflows and AI-native service experiences.
- 01Own-brand digital front doorMobile and web experiences for customers, members and staff, launched in your brand.
- 02Accounts, cards and payments layerConnect current accounts, savings, cards, payments, Open Banking and partner products.
- 03AI-native customer journeysGuided journeys for switching, saving, borrowing, home buying and support.
- 04Compliance and operations workflowsKYC/KYB, audit trails, escalation, controls and human-in-the-loop review.
- 05Partner distribution railsConnect Moni, brokers, advisers, employers and product partners into governed journeys.
Built by banking experts
Founders, board and advisors who've built, run and regulated banks — now putting it all on modern rails.
Talk to us
Banks, building societies and platform partners
Partner with Moni, or run your own banking experience on Koodooka.
VCs, family offices and angels
We’re a Rust-built, AI-native banking platform with a live consumer product.