UBIL — Universal Banking Integration Layer

The integration layer that helps connect NOOR and digital banking experiences to core banking, cards, payments, CRM, middleware, and enterprise systems.

Experience Layer
NOOR Agents
Digital Banking
Super App
UBIL UBIL
Bank Systems
Core Banking
Cards
Payments
CRM
Middleware
What UBIL Does

Where Banking Systems Become One

01

Speaks to every system

Connects to core banking, cards, payments, CRM, middleware and enterprise services through a single, governed integration surface.

02

Translates the differences away

Vendor-specific payloads, protocols and quirks are normalised into one consistent banking data model.

03

Protects the core

Traffic is shaped, throttled and authorised before it ever reaches a system of record — the core stays untouched.

04

Makes NOOR portable

Because agents talk to UBIL and not to a specific core, the same intelligence deploys across different banks.

6+Banking system categories connected
1Unified API surface for every system
80%Faster NOOR deployment with UBIL
Connector Architecture

A Stack That Absorbs Change.

UBIL is built as a layered architecture. Each connector is independently versioned, independently testable, and independently swappable — so changing one system never cascades to the rest.

  • Named connectors with version contracts
  • Protocol isolation per connector
  • Schema validation at every boundary
  • Hot-swap capability without downtime
Digital Banking Layer NOOR, Backbase, Super App
UBIL Core Protocol adapter · Schema engine · Router
Connector Registry Named, versioned, testable connectors
Banking Systems Core · Cards · Payments · CRM · Enterprise
API Normalization

Four Dialects In. One Language Out.

UBIL maps vendor payloads into a canonical banking model, so the difference between two cores becomes a configuration detail rather than a project.

Raw System Payloads
CORE-A: acctNo / balAvail / SOAP
CORE-B: account_id / available / REST
CARDS: CARD_NUM / LIMIT_AMT / ISO
CRM: partyRef / customerName / GraphQL
Canonical UBIL Model
account.id
account.availableBalance
card.maskedNumber
customer.reference

One contract

Every consumer reads the same shape, whatever the backend.

No rework

Swap or add a core and the experience layer stays untouched.

Testable

Canonical payloads make QA, mocks and regression suites reusable.

Banking System Coverage

Built For The Cores Banks Actually Run

Live Beta Roadmap
FIS MBP Finastra Fusion TCS BaNCS Avaloq SAP Fioneer nCino Plaid/TrueLayer Temenos T24 Infosys Finacle Mambu Oracle Flexcube
40+Pre-built connectors
8 regionsGlobal coverage
99.9%Integration uptime
< 50msecEvent latency
Accelerated Deployment

How UBIL Gets NOOR Live In 14 Days

Traditional integration takes 18 months. UBIL compresses every bottleneck into a two-week deployment path — each stage below names exactly what gets eliminated.

Timeline Day 1

Select Your Connector

Browse 40+ pre-certified connectors for Temenos, Finacle, Flexcube, Mambu, and every major core. One click. No RFPs, no vendor calls, no NDAs.

Eliminates 6 weeks of vendor scoping
Timeline Day 3–5

Configure & Sandbox Test

UBIL auto-handles protocol translation and schema mapping. Run full integration tests against your sandbox environment. Zero custom code.

Eliminates 4 months of development
Timeline Day 6–10

Security Gate

Every UBIL connector is pre-certified for PCI-DSS and SOC 2. No bespoke pen tests, no per-integration compliance audits. The gate just opens.

Eliminates 6 weeks of security review
Timeline Day 14

NOOR Goes Live

NOOR is in production. Consistent API surface, real-time event streaming, full audit trails — regardless of which core sits underneath.

Eliminates 3 months of staged rollout
Time To Deployment 36× faster with UBIL
Traditional 18mo
UBIL 14d
Security & Access Controls

An Integration Layer A CISO Can Sign Off

UBIL sits on the most sensitive path in the bank. It is built to be inspected, restricted and evidenced.

  • Per-connector credentials held in the bank's vault
  • Scoped tokens for every consuming application
  • Role-based permissions on each capability
  • PII masked at the boundary, not after it reaches a consumer
  • Encryption in transit and at rest across every connector hop
  • Data residency follows the bank's selected deployment architecture
  • Every request, transformation and downstream call is logged
  • Correlation IDs trace an interaction end to end across systems
  • Immutable audit trail retained to the bank's own policy
  • Connectors versioned and promoted through DEV, SIT, UAT, PROD and DR
  • Hot-swap and rollback without a platform release
  • Security, schema and performance gates run automatically
Future Connector Ecosystem

The Layer Keeps Learning New Systems.

UBIL is not a fixed list of integrations — it is a registry that grows. Here is what is certified today, what is in the workshop, and what the horizon looks like.

REF. SDK-01

Connector SDK

A typed scaffold, contract tests and a mock harness. A new system becomes a connector, not a project.

Ecosystem Velocity Stable Release v2.4

Strategic Roadmap

Live Now

  • Core banking
  • Cards & authorisation
  • Payments & transfers
  • CRM & party
  • Middleware / ESB
  • Enterprise services

In Build

  • Open banking APIs
  • ISO 20022 rails
  • Wallets & instant payments
  • KYC / AML providers
  • Credit bureaus

On The Horizon

  • Agent-to-agent commerce rails
  • Tokenised assets & custody
  • Embedded lending marketplaces
  • Partner-published connectors
REF. REG-02

Versioned registry

Every connector is published with a version contract, so consumers upgrade on their own timeline.

REF. PIPE-03

Certification pipeline

Security, schema and performance gates run automatically — new connectors land without a platform release.

Custom needs?

Request a specialized connector for your banking infrastructure.

Request a connector

Build Once. Connect Everything.

UBIL turns complex banking integrations into one governed layer, so your teams can move faster without rebuilding the foundation every time your technology changes.

Discuss Integration Architecture