Credentis

PURPOSE-BUILT AUTHORIZATION INFRASTRUCTURE

Credentis Platform

A complete authorization layer for digital banking.

Dedicated deployment. Private connectivity. Secure bank integration. Real-time authorization operations. Evidence and institutional control.

Built as independent authorization infrastructure for each bank

Mobile, internet, and other banking channels initiate a protected banking action. Separate authorization combines transaction context, identity as tokenized authority, a distinct authorization environment, and deliberate customer intent. The bank receives an authorization outcome and structured evidence.

Layer positioning

Where Credentis sits

Customer banking and mobile-network paths connected through Credentis, with Bank Portal and Operations Portal responsibilities.
The customer uses the bank’s digital channels and the telco’s mobile service. Credentis provides the distinct authorization layer between them.View full-size diagram (opens in a new tab)

Bank

Digital channels and core banking initiate the banking action and exchange authorization requests and responses with Credentis.

Credentis

The authorization platform connects the customer’s tokenized authority, deliberate intent, and transaction context through a separate authorization process.

Telco

Mobile-network identity and verification support sending an authorization challenge and receiving the customer’s response.

Authoritative identity

Identity and authority are tokenized.

The Super Token

  • Cryptographic vault-key
  • Network identifier
  • Mobile number
  • Optional device identifier

Secret-less authorization does not rely on a customer approval secret. Cryptographic protection remains part of the tokenized authority model.

Network and mobile identity components linked through verification to Credentis tokenized authority.
Biometric verification linked to an identity record and tokenized authority.

Establish Tokenized Authority

Biometric verification establishes the customer’s tokenized authority, which is retained for subsequent transaction authorization.

Validate for each transaction

The authoritative token is validated per transaction. Identity, deliberate intent, and the transaction context come together at authorization.

Authorization stages

One authorization. Five connected stages.

The successful authorization sequence connects transaction eligibility, authoritative identity verification, transaction authorization, auditable evidence, and bank confirmation.

  1. Transaction initiation & eligibility

  2. Authoritative identity verification

  3. Transaction authorization

  4. Auditable evidence

  5. Bank processing & confirmation

Two portals. Distinct responsibilities.

Bank Portal

View authorizations, evidence, and reports. Manage bank configuration.

Operations Portal

Manage banks, telcos, users, configurations, and audit.

Bank Portal

Monitor Authorizations, Evidence, and Bank Configuration

Authorized users can view authorizations, evidence, and reports, and manage bank-specific settings.

Credentis Bank Portal bank profile and configuration.
Controlled Bank Configuration
Credentis authorization record viewer showing protected evidence records.
Authorization Records
Credentis Bank Portal reporting interface.
Reporting
Credentis Bank Portal overview showing authorization metrics, recent transactions and reporting access.
Operational visibility

Operational visibility

Monitor authorizations, outcomes and evidence.

Controlled Bank Configuration

Manage bank-specific settings within controlled access.

Authorization evidence

Inspect retained Write-1 authorization records.

Reporting

Review operational records and authorization outcomes.

Platform outcomes

Built to deliver what matters

Consistent

The authorization lifecycle follows defined states and controls.

Responsive

Decisions progress without unnecessary steps.

Resilient

Recovery behavior is designed into the flow.

Secure

Controls protect each authorization event.

Visible

Operational information and authorization evidence remain visible.

Policy Control

Institutions retain control over their authorization policies.

Continue the review

Examine the controls and evidence behind the architecture.

Review how Credentis separates authorization from the banking session and records the resulting authorization decision and evidence.