TrustBankCBS: AI-Driven Core & Digital Banking, Cloud-Managed by TFL Tech

TrustBankCBS is a purpose-built, AI-driven, cloud-native SaaS core banking platform for credit unions, community banks, retail banks, NBFCs, fintechs, and financial service partners. It was built specifically for financial institutions — not adapted from a generic ERP or horizontal SaaS tool — so compliance workflows, audit trails, dual authorization, deposits, loans, ledgers, and regulatory reporting are native to the platform.

Through TFL Tech Inc., a subsidiary of Trust Fintech Limited, partners can license TrustBankCBS under either a SaaS Subscription or Perpetual License model. In both models, TFL Tech installs, hosts, operates, and manages the platform on TFL Tech-managed Microsoft Azure infrastructure, including server licensing, patching, disaster recovery, monitoring, and support.

⚡
300 TPS
Measured real-time transaction processing throughput
📉
~60%
Documented product cost reduction vs. legacy systems
☁️
100%
Cloud infrastructure purchased and managed by TFL Tech
📋 Licensing overview This page summarizes the updated white-label licensing agreement for TrustBankCBS. Full commercial terms, selected modules, licensed territories, end-user client categories, and elected license model are finalized in Schedule A and Schedule B of the agreement.

Why TFL Tech & TrustBankCBS

TrustBankCBS gives partners a production-proven core banking platform with embedded Agentic AI, live integrations, cloud-managed infrastructure, and documented operating benchmarks. Instead of building a core system from scratch or carrying cloud operations internally, partners can focus on client acquisition, implementation strategy, and market growth while TFL Tech manages the technology layer.

🤖 AI-Driven Banking Workflows
  • Agentic AI for credit underwriting and automated loan decisioning
  • Intelligent document verification for faster KYC processing
  • Probable delinquency identification for early portfolio risk detection
  • AI-enabled LOS designed to improve loan conversion and risk quality
  • Analytika dashboards for real-time operational and profitability insights
  • Embedded intelligence across credit, risk, documents, and operations
☁️ Managed Cloud & Delivery
  • TFL Tech purchases, provisions, and manages Microsoft Azure infrastructure
  • Windows Server and SQL Server licensing included in cloud tiers
  • Primary data center, disaster recovery, replication, and failover managed by TFL Tech
  • Security patching, monitoring, backups, and monthly health reports included
  • Dedicated Technical Account Manager for the duration of the agreement
  • Quarterly business reviews and roadmap input for strategic partners

Who the Program Is Built For

The TrustBankCBS licensing program is built for organizations that want to deliver core and digital banking capabilities to financial institutions without taking on the burden of developing, hosting, or maintaining the underlying platform.

💻Fintechs & Digital Banking Partners

Fintech companies that want a complete digital banking stack, AI-powered lending workflows, and banking APIs without building core infrastructure in-house.

✓Launch core and digital banking services faster
✓Add AI-powered LOS and credit decisioning
✓Use RESTful APIs for internal and external integrations
✓Avoid cloud procurement and server management
✓Support mobile, internet banking, payments, and notifications
✓Scale account volume through defined SaaS and cloud tiers
🏛️Banks, Credit Unions & Community Financial Institutions

Financial institutions that need a modern core banking platform with embedded compliance, accounting, reporting, payments, digital banking, and analytics.

✓Manage deposits, accounts, loans, ledgers, and transactions from one platform
✓Reduce reconciliation through a single unified database
✓Generate regulatory, MIS, and financial reports natively
✓Support branch, product, and customer-level profitability analysis
✓Improve onboarding speed and digital customer acquisition
✓Modernize without self-hosting the infrastructure
💼NBFCs & Lending Organizations

Non-bank financial companies and lenders that need lending, credit, delinquency monitoring, customer onboarding, payments, and portfolio analytics in one cloud-managed system.

✓Support personal, mortgage, commercial, HELOC, and line-of-credit products
✓Use AI-driven underwriting and credit risk assessment
✓Identify probable delinquency before defaults materialize
✓Integrate credit bureau pulls, scoring, and monthly reporting
✓Automate document verification and borrower onboarding
✓Track overdue accounts, NPA position, and profitability through Analytika
🤝Technology Resellers & System Integrators

Technology companies and consulting firms serving financial services clients that want to add a proven banking platform to their commercial offering.

✓Add core banking capabilities to your portfolio
✓Offer implementation and managed services around the platform
✓Leverage TFL Tech engineering and support for escalations
✓Support multiple client deployments through defined agreement scopes
✓Use co-branding rights subject to TFL Tech approval
✓Enter financial services markets with production-tested infrastructure
🏢Banking Groups & Financial Conglomerates

Multi-entity organizations that need a common technology platform across subsidiaries, branches, or acquired entities while maintaining centralized infrastructure governance.

✓Deploy consistent core functionality across entities
✓Consolidate infrastructure management under TFL Tech
✓Use the Perpetual License model for long-term platform rights
✓Add branches or entities under defined additional fee terms
✓Scale cloud tiers as account volumes grow
✓Maintain centralized reporting, dashboards, and compliance visibility
🌍Development Finance Institutions & Emerging-Market Programs

DFIs, NGOs, microfinance programs, and emerging-market banking initiatives that need a robust platform deployable across jurisdictions and institution types.

✓Support multi-market deployment with licensed territories in Schedule A
✓Use KYC, AML, OFAC, credit bureau, and reporting integrations
✓Serve smaller institutions through Starter and Launch tiers
✓Enable digital onboarding, payments, and account servicing
✓Use predictable SaaS pricing with separate cloud infrastructure tiers
✓Receive regulatory updates under AMS or SaaS support

TrustBankCBS Platform Capabilities

TrustBankCBS combines comprehensive banking products, AI-powered workflows, digital channels, payment processing, regulatory compliance, analytics, and integration architecture in a single platform.

🏦 Banking Products
  • Savings accounts, checking accounts, and term / certificate deposits
  • Safe deposit boxes and automated standing instructions
  • Personal loans, payday loans, unsecured loans, and mortgage loans
  • Lines of credit, HELOC, and commercial loans
  • Configurable product rules for interest, charges, and repayment frequency
  • Single posting to customer accounts, GL, cash book, and P&L
📱 Digital & Payments
  • Mobile banking app for iOS and Android
  • Web-based Internet Banking Portal
  • E-signatures for paperless account opening and documentation
  • SMS, WhatsApp, and email notifications
  • ACH, Fedwire, FedCommand, FedNow, and international wires
  • Debit card issuance and ATM switch integration
🛡️ Compliance & Security
  • Real-time OFAC and sanctions screening
  • AML transaction monitoring with configurable rules
  • Credit bureau integration and automated monthly reporting
  • Role-based authorization and two-factor authentication
  • AES-256 encryption at rest and TLS 1.2+ in transit
  • Comprehensive audit trail across transactions and system actions
📊 Analytika MIS & Analytics
  • Real-time dashboards and interactive data visualization
  • NPA and overdue account analysis
  • Self-service graphical report generation
  • Branch-wise cash position and credit-deposit ratio
  • Branch and customer profitability insights
  • No separate Tableau, Power BI, or BI tool license required

Included Modules & Interfaces

Schedule B defines which modules are selected for a specific Licensee. Several core AI, lending, accounting, document, and analytics capabilities are included, while third-party-connected modules such as KYC/AML, credit bureau, payments, card networks, digital banking channels, and notifications may carry interface fees.

ModuleWhat It CoversStatus
Core Banking (Retail) Checking, Savings, CDs, Account management, Transaction processing, Standing Instructions Included
Lending & Credit (AI-Powered) Personal, Mortgage, Commercial Loans, HELOC, Lines of Credit, AI-driven LOS & Credit Underwriting Engine Included
General Ledger & Accounting Chart of Accounts, Financial Statements, HO Accounting, MIS, Analytika BI Platform Included
AI Document Verification AI-based identity document authentication and validation Included
AI Delinquency Identification Early warning system for probable loan defaults Included
Analytika MIS & Dashboards Real-time data visualization, NPA analysis, KPI analytics, branch profitability, self-service reports Included
KYC / KYB & AML / OFAC Identity verification, watchlist screening, real-time transaction monitoring Interface fee
Credit Bureau Integration Credit pull, FICO scoring, business credit reports Interface fee
Credit Bureau Reporting Monthly automated bureau reporting Interface fee
ACH & Wire Transfer Domestic & international ACH, Fedwire, FedCommand, FedNow Interface fee
Debit Card & ATM Switch Card issuance, processing, ATM network integration Interface fee
Mobile Banking App iOS & Android white-labeled digital banking application Interface fee
Internet Banking Portal White-labeled web customer self-service portal Interface fee
E-Signature Integrated electronic document signing Interface fee
Notifications (SMS/Email) Multi-channel alerts, OTP, and communications Interface fee
Check Printing & Clearing In-house and FedWire-based check processing Interface fee
Intelligent Document Scanning Embedded document capture and processing Included

Performance Benchmarks & Business Impact

The agreement includes measured TrustBankCBS deployment benchmarks across transaction processing, batch operations, efficiency improvement, onboarding, lending, delinquency reduction, and cost reduction. These benchmarks are provided to help partners understand platform scale and commercial impact.

MetricMeasured Outcome
Overall product cost reduction ~60% vs. legacy systems
Processing cost reduction ~70%
Overall system efficiency increase ~7,500%
Transaction throughput ~300 TPS
EOD processing ~20 minutes for 300 branches
Centralized interest calculation ~125 hours reduced to ~3 hours
Loan application conversion ~15% increase via LOS
Delinquency rate ~10% reduction through AI decisioning
📌 Large-scale benchmark example For a large financial institution with 25 loan/deposit products and 1.5 million accounts per product, centralized interest calculation improved from approximately 125 hours to approximately 3 hours, with EOD batch processing time reduced by approximately 75%.

Implementation & Onboarding

TFL Tech manages implementation end to end, from discovery and environment setup through white-label configuration, integrations, customization, data migration, UAT, training, go-live, and hypercare support. Implementation activities are finalized in the statement of work based on modules, integrations, customization, and migration scope.

1
1. Discovery & Scoping
1–2 Weeks
Brand asset collection; module selection; integration mapping; white-label requirements; SOW finalization
2
2. Environment Setup
2 Weeks
Cloud infrastructure provisioning; Primary and DR environments; database initialization; domain/subdomain configuration
3
3. White-Label Configuration
2–3 Weeks
UI/UX branding; logo, color scheme, email templates; Analytika dashboard customization; customer portal setup
4
4. Integration & Interfaces
2–4 Weeks
API integrations with Licensee's systems; KYC/AML; payment processors; notification services; card network
5
5. Customization (if any)
2-8 Weeks
A separate estimate for customization will be submitted for approval. Any customization will be handled by TFL Tech Inc on Time and Material Basis at the rates listed in section 1.1
6
6. Data Migration (if applicable)
1–3 Weeks
Data extraction from legacy system; transformation; validation; test migration; Client data sign-off
7
7. Testing & UAT
2 Weeks
Functional testing; AI decisioning validation; performance testing; UAT by Licensee team; defect resolution
8
8. Training
1 Week
Admin and end-user training; Analytika training; documentation delivery; knowledge transfer
9
9. Go-Live
1–2 Weeks
Final migration; production cutover; hypercare support; post-launch performance monitoring

Support, Maintenance & Service Levels

Support includes L1 through L3 technical service, bug fixes, security patches, minor version upgrades, regulatory compliance updates, and major version upgrades under AMS or SaaS terms. A designated Technical Account Manager supports the Licensee for the duration of the agreement.

PriorityIssue TypeResponseResolution Target
P1 – Critical Platform or Cloud Infrastructure completely unavailable 30 minutes 4 hours
P2 – High Core functionality severely degraded; AI decisioning down 2 hours 8 hours
P3 – Medium Non-critical module defect; workaround available 4 hours 48 hours
P4 – Low How-to questions; Analytika queries; minor UI issues 1 business day 5 business days
📌 SLA commitments Platform uptime commitment is 99.5% monthly, excluding scheduled maintenance windows of up to 4 hours per month with 48-hour advance notice. Data backup includes daily incremental and weekly full backups with a 30-day minimum retention period.

Licensing & Pricing Overview

TrustBankCBS is available under two licensing models: SaaS Subscription and Perpetual License. SaaS fees are billed monthly and invoiced quarterly in advance. Perpetual License fees begin with a one-time platform license fee and require ongoing Annual Maintenance & Support. Cloud infrastructure fees apply to all models and are billed separately by tier.

SaaS Model
SaaS Subscription
From $3,000
per month for Tier 1 — cloud infrastructure billed separately
  • Tier 1 supports up to 3,000 accounts
  • Monthly subscription, invoiced quarterly in advance
  • Automatic upgrades and AMS included in subscription
  • Rights exist during the subscription term
  • Best for predictable OPEX and zero infrastructure burden
  • Year 1 fees fixed; annual adjustments capped by agreement terms
Perpetual Model
Perpetual License
From $150K
one-time platform license fee — AMS and cloud fees apply
  • Permanent usage rights after one-time license fee
  • Annual Maintenance & Support is 20% of license fee per year
  • Cloud infrastructure remains managed by TFL Tech
  • Source code escrow available under Perpetual License
  • Best for long-term platform rights and asset control
  • 50% due at execution and 50% due at go-live

SaaS Subscription Tiers — Year 1

TierAccount RangeMonthly (Yr 1)Annual (Yr 1)Cloud (add'l)Price Review
Tier 1 – Starter Up to 3K accounts $3,000 $36,000 See §9 See §6
Tier 2 – Launch 3,001 – 7K accounts $4,000 $48,000 See §9 See §6
Tier 3 – Build 7,001 – 10K accounts $6,000 $72,000 See §9 See §6
Tier 4 – Grow 10,001 – 50K accounts $10,000 $120,000 See §9 See §6
Tier 5 – Scale 50,001 – 200K accounts $16,000 $192,000 See §9 See §6
Tier 6 – Accelerate 200,001 – 500K accounts $30,000 $360,000 See §9 See §6
Tier 7 – Expand 500,001 – 1MM accounts $40,000 $480,000 See §9 See §6
Tier 8 – Enterprise 1 MM+ accounts Custom Custom See §9 Negotiated

Perpetual License White Label Pricing

Tier (Based on the Client Size)Account RangeAmount (USD)
Tier 1 – Bronze (Starter) <= 20,000 accts $150,000
Tier 2 – Silver 20K–100K accts $500,000
Tier 3 – Gold 100K–500K accts $750,000
Tier 4 – Platinum 500K–1MM accts $1,000,000
Tier 5 – Diamond 1MM accts onwards $1,500,000
💵 Additional fees The agreement includes a $25,000 White-Label Onboarding Fee, a $25,000 one-time setup fee for both license models, implementation and customization billed at $25/hr offshore or $250/day on-site U.S., and additional branch/entity licensing where applicable.

Cloud Infrastructure — Purchased & Managed by TFL Tech

All cloud infrastructure required to install, host, operate, and deliver TrustBankCBS is purchased, provisioned, configured, and managed exclusively by TFL Tech on Microsoft Azure. This applies to Perpetual License, SaaS Subscription, and white-label arrangements for the full duration of the agreement.

TierAccount ScaleAzure VM SpecificationStorageDR / ReplicationMonthly Fee
Starter + Launch ≤ 10,000 accounts Azure B4ms · 4 vCPU · 16 GB RAM 500 GB SSD ZRS + Active DR · Zone-redundant; hot active DR node; RTO ≤ 4 hrs / RPO ≤ 1 hr $2,500 / mo
Build + Growth 10,000 – 50,000 accounts Azure D8s v3 · 8 vCPU · 32 GB RAM 1 TB SSD ZRS + Active DR · Zone-redundant; hot active DR node; RTO ≤ 4 hrs / RPO ≤ 1 hr $4,000 / mo
Scale 50,000 – 200,000 accounts Azure D16s v3 · 16 vCPU · 64 GB RAM 2 TB SSD ZRS + Active DR · Zone-redundant; hot active DR node; RTO ≤ 4 hrs / RPO ≤ 1 hr $6,000 / mo
Accelerate 200,000 – 500,000 accounts Azure D32s v3 · 32 vCPU · 128 GB RAM 4 TB SSD Geo-Redundant Active + Active DR · Cross-region replication; dual active nodes; RTO ≤ 2 hrs / RPO ≤ 30 min $9,000 / mo
Expand 500,000 – 1,000,000 accounts Azure D64s v3 · 64 vCPU · 256 GB RAM 8 TB SSD Fully GR Active + Dedicated DR Cluster · Multi-region; dedicated DR cluster; RTO ≤ 1 hr / RPO ≤ 15 min $14,000 / mo
Enterprise 1,000,000+ accounts Dedicated Cluster · Custom sizing · SQL Always On 2 TB+ SSD Geo-Redundant DR (Custom) · Multi-region; custom RTO / RPO per SLA agreement Custom
☁️ Included in all cloud tiers Microsoft Windows Server licenses, Microsoft SQL Server licenses, Azure Blob Storage for backups, documents, and audit logs, Azure Monitor and Log Analytics, SSL/TLS certificate management, and monthly infrastructure health reports.

Commercial Terms, IP & Data Protection

The updated agreement clarifies license scope, permitted uses, restrictions, intellectual property, data protection, confidentiality, renewal, termination, and dispute resolution. Licensee rights are limited to the selected modules, territories, and end-user client categories specified in Schedule A.

📄 License & White-Label Terms
  • Licensee elects either SaaS Subscription or Perpetual License in Schedule A
  • Initial license term is one year, renewable annually
  • Client Agreement Term requires a minimum three-year commitment
  • Licensee may co-brand in a supporting capacity with TFL Tech approval
  • Licensee may market and distribute within the licensed territory
  • Any expansion of modules, territories, or client categories requires written amendment
🔐 IP, Security & Data
  • TFL Tech and Trust Fintech Limited retain all platform IP
  • Licensee retains ownership of its customer relationships and commercial data
  • Platform may not be self-hosted or moved to non-TFL Tech infrastructure
  • Confidential information protections apply to both parties
  • Data processing and security obligations are governed by the agreement
  • Upon termination, data export obligations follow the agreement terms
📞 Ready to review the full licensing program?

Schedule a discovery conversation with TFL Tech to review the complete licensing agreement, Schedule A commercial terms, Schedule B module selections, SaaS and Perpetual pricing, cloud infrastructure tiers, implementation scope, and support commitments for your specific deployment scenario.

→ Schedule a discovery call  ·  infous@softtrust.com  ·  (302) 981-5581

Frequently Asked Questions

What is TrustBankCBS?+
TrustBankCBS is an AI-driven, cloud-native SaaS core and digital banking platform purpose-built for credit unions, community banks, retail banks, NBFCs, fintechs, and financial service partners. It includes core banking, lending, accounting, digital banking, compliance, analytics, payments, APIs, and AI-powered workflows.
Who manages the cloud infrastructure?+
TFL Tech manages all cloud infrastructure exclusively. This includes Microsoft Azure subscription management, VM provisioning, Windows Server and SQL Server licensing, primary and disaster recovery environments, replication, failover, patching, backups, monitoring, SSL/TLS certificate management, and monthly infrastructure health reports.
What is the difference between SaaS and Perpetual License models?+
The SaaS model is a subscription with lower upfront cost, monthly/quarterly billing, automatic upgrades, and rights that exist during the subscription term. The Perpetual License is a one-time platform license that grants permanent usage rights, subject to ongoing Annual Maintenance & Support. In both models, TFL Tech hosts and manages the platform on its managed Microsoft Azure infrastructure.
What are the starting prices?+
SaaS Subscription pricing starts at $3,000 per month for Tier 1, supporting up to 3,000 accounts, with cloud infrastructure billed separately by tier. Perpetual License pricing starts at $150,000 for Tier 1 Bronze, covering up to 20,000 accounts. Additional onboarding, setup, AMS, cloud, implementation, customization, and branch/entity fees may apply.
What is included in the platform modules?+
Included modules include Core Banking, AI-powered Lending and Credit, General Ledger and Accounting, AI Document Verification, AI Delinquency Identification, Analytika MIS and Dashboards, and Intelligent Document Scanning. Interface-fee modules can include KYC/KYB, AML/OFAC, credit bureau services, ACH and wire transfer, debit card and ATM switch, mobile banking, internet banking, e-signature, notifications, and check clearing.
What is the minimum commitment?+
The agreement states an initial license term of one year, renewable annually, with a minimum three-year Client Agreement Term regardless of whether the Licensee elects SaaS Subscription or Perpetual License. Renewal, non-renewal, commercial review, and early termination terms are defined in the full agreement.
Can the platform be self-hosted?+
No. Under the agreement, TrustBankCBS must be installed, hosted, operated, and managed on TFL Tech's managed Microsoft Azure Cloud Infrastructure unless TFL Tech provides express prior written consent. This applies to SaaS, Perpetual License, and white-label arrangements.
What support levels are included?+
Support covers L1 through L3 service levels. P1 critical issues have a 30-minute response target and 4-hour resolution target. P2 high issues have a 2-hour response target and 8-hour resolution target. P3 medium issues have a 4-hour response target and 48-hour resolution target. P4 low/general queries have a 1-business-day response target and 5-business-day resolution target.