NOR Engine is a real-time financial control layer for multi-PSP operators — built on event-driven architecture, powered by AI, and designed to eliminate every black box in your payment flow.
No single source of truth. Decisions delayed by days. Money leaking silently between PSPs, settlements, and banks — discovered only when a client complains.
Fees are opaque. Duplicates and stuck funds surface only through customer complaints — not your monitoring system.
Detection takes 24–48 hours. Root cause analysis takes another 48. By then, the damage compounds.
Transaction volume grows. Headcount grows with it. Critical knowledge lives in people, not in the system.
T+1 manual exports from 100+ PSP portals. No cross-provider visibility. No real-time control. No audit trail.
An event-driven financial core with our immutable ledger at the center, Kafka at the input, and ClickHouse at the output. Every kopek — an explicit entry in an append-only journal.
Reconciliation deviation types detected automatically
Possible leak or processing delay — flagged immediately for investigation
Critical incident. Instant escalation with full transaction trace
Auto-detection of deviation from your rate table. No more trusting PSP reports
Every event published to the stream feeds the AI layer directly — no ETL, no latency, no data pipelines. Anomaly detection, routing optimization, and cash flow forecasting run on live data.
Clustering on transaction patterns. Deviations from baseline route to exception queue before they become incidents
Model ranks providers in real time by approval rate, fee, and latency. Route to the optimal PSP on every transaction
Seasonality, trends, and predictable rolling-reserve releases. Liquidity Ladder as a product — not a spreadsheet
90%+ of routine analyst questions resolved by dashboards and an AI assistant trained on your ledger data
Every HITL resolution becomes a training signal. The system improves its own match rate continuously — no manual rule updates
Four escalating tiers — from exact deterministic matching to AI-powered inference. Human-in-the-loop only for genuine exceptions. Every resolution trains the next iteration.
Calculate fees yourself — don't trust PSP reports. Transparent actual fee per provider. Detect hidden FX markups, routing losses, and settlement deductions automatically.
Real-timeNear real-time visibility of funds across PSPs and currencies. Detect idle funds, predict cash gaps, and control rolling reserve releases — before they affect operations.
30-day horizonAny transaction — found, analysed, explained. Drill-down to the original PSP event in seconds. Root cause in minutes, not days. No black boxes in the financial perimeter.
Sub-minute RCASHA-256 cryptographic chain on every entry. Retroactive modification is impossible. Every balance computed from the journal — never stored separately. Finance that cannot lie.
Tamper-proofParser Factory maps 100+ PSP report formats to a canonical data model. Add new providers without touching core logic. Batch and online sources unified in one stream.
100+ connectorsMulti-ledger architecture — isolated ledger per PSP and region. 50M tx/month target. Stateless services scale independently. Volume grows without growing the team or complexity.
50M tx/monthOur core is an operational ledger — not an accounting system, not an ERP. It handles the real-time movement of money with properties that enterprise finance has always needed but never had at the transaction level.
Either the full transaction is written or none of it. Debit always equals credit. No funds suspended between steps.
Cryptographic SHA-256 chain. Each entry hashes the previous. Retroactive modification is structurally impossible.
Business posting rules readable by a finance professional — no developer required to modify them.
Correct retrospective reports and point-in-time queries. The system always knows what it knew and when.
Dedicated ledger per PSP. No hot accounts, no PostgreSQL contention, no shared-state failures.
Append-only journal as the single source of truth. Balances are computed — never stored, never drifted.
Calculate fees independently. Detect FX markups, routing losses, and settlement gaps that PSP reports obscure.
Proactive detection of processing bugs before the customer complaint. Stuck funds surfaced in minutes.
1–4 days of manual investigation → seconds to detect, minutes to root cause. With full AI-assisted context.
From management KPI to individual transaction in a few clicks. Near real-time drill-down with full traceability.
Transaction volume grows. Team size does not. Matching rules and posting logic live in the architecture, not in people's heads.
Institutional knowledge encoded in the system. Decision-making becomes reproducible, auditable, and transferable.
Financial data of this scale and sensitivity never leaves your perimeter. NOR Engine is deployed entirely on your infrastructure — your cloud, your servers, your rules. We bring the architecture; you own every byte.
Processing millions of euros daily — security is not a feature, it is the foundation
NOR Engine was designed from day one for the high-risk financial environment: 7 days a week, 24 hours a day, hundreds of PSPs, zero tolerance for data exposure.
Two ledgers, two responsibilities. NOR Engine handles real-time operational control. Your ERP — 1C, SAP, Oracle, or any other — handles statutory accounting. We produce the aggregates; your General Ledger receives them clean, reconciled, and ready.
Real-time push of reconciled journal entries to any ERP. Configurable per entity, per ledger, per currency.
Daily, hourly, or on-demand export in your ERP's native format — CSV, XML, JSON, or custom mapping. Configured once, runs automatically.
Chart of accounts, cost center assignment, inter-company elimination — all mapped to your specific ERP structure during onboarding.
NOR Engine is purpose-built for high-volume, multi-PSP operators who need financial control at transaction level — in real time.