Matera Digital Twin chosen by major U.S. regional bank to enable real-time banking without core replacement

Matera announced that a major U.S. regional bank will deploy its Digital Twin as part of a modernization initiative, avoiding a costly core replacement. Digital Twin operates alongside the existing core as a real-time authorization engine and ledger, maintaining balances and processing transactions even when the core is offline or running batch cycles. The companies are integrating Digital Twin with the bank's API, event-streaming and real-time data architecture, enabling 24/7/365 processing, real-time balances, RTP and FedNow instant payments, and future stablecoin and tokenized deposit capabilities. CEO Carlos Netto said the approach removes the biggest risk from core modernization.

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