--- title: "_able Core Infrastructure: Core Banking, KYC, Partner Integration and Product Studio" description: "_able's core infrastructure is a white-labeled, channel-agnostic layer for credit and savings with four modules: Core Banking, KYC & Onboarding, Partner Integration and Product Studio." canonical: "https://ai.ablegroup.io/platform/core-infrastructure" --- # _able Core Infrastructure: Core Banking, KYC, Partner Integration and Product Studio _able's core infrastructure is a channel-agnostic, white-labeled layer that extends a partner's existing core systems instead of replacing them. It has four modules: Core Banking, KYC & Onboarding, Partner Integration and Product Studio. The company reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks. ## Key facts - _able's core infrastructure extends existing core systems rather than replacing them, and is channel-agnostic. - It has four modules: Core Banking, KYC & Onboarding, Partner Integration and Product Studio. - The company reports the white-labeled core banking and infrastructure platform can go live in as little as 6 weeks. - The company reports onboarding and authentication can be completed in under 60 seconds. - The company reports partner connections (wallets, CRBs, SMSC) can be established in under 30 days. - The company reports the platform enables new product deployment roughly 3x faster than traditional builds. - _able describes the platform as deployable on cloud or on-premise, ISO-certified, with full observability and auditability. - _able was formerly Credable and rebranded as its platform expanded beyond credit enablement into broader financial infrastructure. - The company reports its platform has been shaped by deployment across more than 35 million users across markets, products and channels. ## What is _able's core infrastructure? _able's core infrastructure is a channel-agnostic layer that extends a partner's existing core systems, so those systems do not need to be rebuilt. It integrates within the partner's existing environment and enables end-to-end digital credit and savings product deployment within weeks. It consists of four modules: Core Banking, KYC & Onboarding, Partner Integration and Product Studio. ## What are the core modules of the _able platform? - Core Banking: _able's module for the full lifecycle of credit and savings, from origination and disbursement through repayment, restructuring and closure. - KYC & Onboarding: configurable identity verification and onboarding flows for customers and businesses. - Partner Integration: pre-built connectors, a secure API gateway, and configurable app and USSD tools that connect wallets, CRBs, SMSC, apps and partner channels. - Product Studio: configuration of loans, overdrafts, revolving credit, cards and savings products for a given market and user base. ## What does the Core Banking module do? _able's Core Banking module manages the full lifecycle of credit and savings: origination, disbursement, repayment, restructuring and closure. Its enabled features are loan and savings management, an app SDK and USSD builder, partner connectors, and an API gateway. The company reports it is white-labeled, designed to feel like the partner's own, and can go live in as little as 6 weeks. ## How does _able handle KYC and onboarding? _able's KYC & Onboarding module provides fully configurable identity verification and onboarding flows for customers and businesses, intended to meet local regulations and global best practices. Features include an onboarding journey, ID verification, biometric authentication and profile linking. The company reports onboarding and authentication can be completed in under 60 seconds. ## How does _able connect to partner systems and channels? _able's Partner Integration module lets partners launch embedded finance products across their existing ecosystem without disrupting core systems. It offers pre-built connectors, a secure API gateway, an app SDK and a USSD builder, plus wallet, CRB and SMSC integrations, all through one platform. The company reports these connections can be established in under 30 days. ## What can be configured in Product Studio? Product Studio is _able's module for defining the products, journeys and credit structures that run on the platform. Loans, overdrafts, revolving credit, cards and savings products are configured to a market and user base without requiring a new deployment. _able describes new products as launching by configuration rather than integration, and reports deployment roughly 3x faster. ## How quickly can a partner deploy on _able? _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, and that its white-labeled core banking platform can go live in that time. It also reports onboarding in under 60 seconds, partner connections in under 30 days, and new product deployment about 3x faster than traditional builds. ## Is _able's platform secure and flexible to deploy? _able describes its core infrastructure as secure, scalable and production-grade, built to enterprise standards, ISO-certified, with full observability and auditability. It can be configured to a partner's market and channels, with flexible deployment across cloud or on-premise. Integration is light-touch and sits alongside existing systems, and _able manages the complexity once the platform is deployed. ## Frequently asked questions ### Do I need to replace my core systems to use _able? No. _able provides a channel-agnostic infrastructure layer that extends existing core systems and integrates within the existing environment without disruption. ### How long does it take to go live on _able's core infrastructure? The company reports partners can deploy their own credit and savings infrastructure, and the white-labeled core banking platform can go live, in as little as 6 weeks. ### Which systems does _able's Partner Integration connect to? It connects wallets, CRBs, SMSC, apps and partner channels through pre-built connectors, an API gateway, an app SDK and a USSD builder. ### Which products can be set up in Product Studio? Loans, overdrafts, revolving credit, cards and savings products. ### Can _able's platform run on-premise? Yes. The platform offers flexible deployment across cloud or on-premise, configured to the partner's market and channels. ### What identity checks does _able support? ID verification, biometric authentication and profile linking, within configurable onboarding journeys for customers and businesses. ## Pages on this host This is one page of several on this host. 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