Major U.S. Regional Bank Selects Matera Digital Twin to Become a Real-Time Bank Without Replacing Its Core
Always-on ledger and authorization layer runs alongside the bank’s existing core, enabling 24/7/365 banking, instant payments and digital assets
Matera, which helps banks operate in real time and adopt digital assets without replacing their core banking systems, announced that a major U.S. regional bank has selected Matera Digital Twin as a component of its modernization initiative.
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“That takes the biggest risk out of the journey and lets technology leaders deliver what the business needs now, at a pace they control.”
Like many U.S. financial institutions, the bank runs on core infrastructure built for a batch-oriented world. Customers, payment networks and forms of digital money increasingly expect banks to operate 24/7/365.
Replacing the core would have introduced cost, complexity and operational risk. Instead, the bank chose to modernize around its existing infrastructure, building a real-time foundation without risking daily operations.
Matera Digital Twin provides that bridge.
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An Always-On Layer Alongside the Core
Digital Twin runs alongside the bank’s existing core as a real-time authorization engine and high-performance ledger. It maintains account balances and keeps processing transactions even when the core is offline or running batch cycles.
Matera and the bank are integrating Digital Twin with the bank’s API, event-streaming and real-time data architecture. These capabilities establish a foundation for:
- 24/7/365 transaction authorization and processing
- Real-time balances
- RTP®, FedNow® and other instant payment services
- API- and event-driven banking experiences
- Future digital-money capabilities, including stablecoins and tokenized deposits
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Built for Where Banking Is Going
The selection reflects a shift across financial services. Instant payments now move money around the clock, customer expectations no longer stop at banking hours, and stablecoins and tokenized deposits are creating new requirements for real-time financial infrastructure.
Meeting those demands takes more than faster payment rails. It requires a ledger and authorization layer that lets a bank operate continuously, and that is what Matera and the bank are building together.
“Core modernization does not have to begin with core replacement,” said Carlos Netto, co-founder and CEO North America of Matera. “Digital Twin lets banks become real-time and prepare for digital assets on top of the infrastructure they already have. That takes the biggest risk out of the journey and lets technology leaders deliver what the business needs now, at a pace they control. We’re excited to partner with a forward-thinking U.S. bank that shares our vision for real-time banking.”
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