Platform
The shared layer
Five capabilities every product runs on
Every product on the platform uses the same controls, records and reporting, so the institution operates one system rather than five.
01
No new login
Members reach every product inside the institution’s existing digital banking, with the credentials they already use. Nothing separate to download, register for or sign into.
Northfield Credit Union
Signed in · M. Alvarez
Checking
$4,280.12
Savings
$12,480.00
Digital assets
$1,150.40
Managed portfolio
$6,900.00
Same app · same login · no separate sign-in
02
Product configuration
Which products are offered, to whom, and how they appear, set by the institution.
Savings
Offered
Stablecoins
Offered
Managed portfolios
Not offered
Tokenized assets
Offered
03
Account structure
Savings are held as deposits on the institution’s own core. Digital assets are held in segregated accounts in each member’s name with qualified custodians.
Savings
Deposit · institution’s core
$12,480.00
Digital assets
Segregated account · qualified custodian
$1,150.40
Managed portfolio
Segregated account · qualified custodian
$6,900.00
04
Compliance and monitoring
Transaction records and screening inside the institution’s existing processes.
Transfer
$2,500.00 · Screened
Clear
Purchase
$800.00 · Screened
Clear
Approval
J. Kim · $8,000.00
Review
05
Reporting and data
Positions and activity into existing systems by API and scheduled reporting, under the institution’s own brand.
Northfield CU
Savings
Balance
$12,480.00
Emergency fund
72% funded
Northfield CU
Digital asset account
Holdings
$1,150.40
Segregated
In member’s name
Core banking system
How it connects
Inside the systems the institution already runs
The institution
Core and digital banking — Jack Henry · Q2 · Valiify
NWS
Shared platform layer — identity, accounts, configuration, compliance, reporting
The institution’s own app, under its own brand
No core replacement, no migration.
White-label delivery
The institution’s brand, throughout
Members see the institution’s name, colours and app — never NWS. The same interface, under each institution’s own identity.
Northfield Credit Union
Checking
$4,280.12
Savings goal · Emergency fund
72% funded
Digital assets
$1,150.40
Move money
Harbor Community Bank
Checking
$4,280.12
Savings goal · Emergency fund
72% funded
Digital assets
$1,150.40
Move money
Compliance and controls
Who is responsible for what
Member identity and KYC/CIP
Existing members verified under its own programme
None
None
Eligibility, limits and approvals
Sets them
Enforces them in the experience
None
Deposit accounts and ledger
Held on the institution’s core
None
None
Digital asset custody
Defines policy
None
Qualified custodian holds assets
Transaction monitoring and sanctions screening
To confirm
To confirm
To confirm
Records, audit trail and reporting
Retains records
Provides activity records and reporting into existing systems
As applicable
Data security and retention
To confirm
To confirm
To confirm
NWS operates inside the institution’s existing compliance programme rather than replacing it.
What implementation involves
Four steps, in sequence
02
Integration
Connection to the core and digital banking systems in place.
03
Configuration
Limits, approvals and reporting set to the institution’s policies.
04
Launch
Rolled out inside the institution’s own app, under its brand.
Marketing support
Adoption is part of the partnership. NWS provides campaign strategy, co-branded materials and performance reporting alongside the platform.