Blog | June 5, 2026

Bringing fintech speed to enterprise banks with CoreIgnite

Securely layering modern interfaces and services onto a proven, bulletproof foundation.

By Sandeep Bhanote, Global Head and General Manager of GrowthX at DXC Technology

The digitization of banking has reset customer expectations. Fintech alternatives have raised the bar on speed and convenience, leading bank customers to demand services their institutions weren’t built to deliver — including tokenized deposits and digital asset custody.

Responding to evolving market demands doesn’t mean banks must start over, however. The core systems running the world’s largest banks, such as DXC Hogan, exist because they work. Hogan alone handles more than 300 million accounts and $5 trillion in deposits, backed by 40 years of the kind of mission-critical reliability banks stake their reputation on. Ripping that out isn't a viable option.

The real challenge is how banks can layer digital asset capabilities and real-time orchestration on top of what already works, without introducing operational risk or regulatory scrutiny. 

That's where DXC CoreIgnite comes in.

Tokenized deposits repackage existing bank deposits using distributed ledger infrastructure, keeping the asset as a bank liability while enabling programmable, instant settlement. For banks, this means offering customers faster transfers, programmable payment logic and digital asset services without losing customers to crypto-native alternatives.

With DXC’s partnership with Ripple, CoreIgnite enables programmable payments and the tokenization, custody and transfer of digital assets, so banks can offer regulated digital asset services without touching the core systems they depend on every day. Banks can offer tokenized asset services, stablecoin integration and secure custody directly within their existing environment.

Real-time payments across every rail

Banks today operate across a patchwork of payment networks, each with its own protocols, timelines and integration requirements. CoreIgnite unifies orchestration across ACH, FedNow, RTP, wire, and card networks into a single API layer, so banks can route payments in real time without building and maintaining separate integrations for each rail.

Because CoreIgnite exposes core banking capabilities as RESTful APIs, it enables real-time ledger transactions while preserving the reliability of the underlying system.

DXC's partnership with Aptys Solutions brings real-time transfers to traditional banks and credit unions via FedNow. With Euronet's Ren Payments Platform, those same institutions can expand globally with international card programs and cross-border remittances.

CoreIgnite's standards-based, API-first architecture creates secure, isolated environments where real-time applications integrate with the bank's core, whatever that core happens to be.

Splitit is a strong example. A major player in Buy Now, Pay Later (BNPL), Splitit can plug directly into a bank's offerings with CoreIgnite and help create better customer experiences. Say a customer's routine grocery run turns into an unexpected $300 expense. With Splitit integrated, the bank offers immediate cash flow relief with a 75% refund, all without the customer leaving their trusted banking app.

The API-first architecture enables DXC to continue adding trusted partners without introducing security risks or development overhead.

The path forward

CoreIgnite is core-agnostic by design. The point isn't which platform a bank runs. It's whether that bank can deliver what its customers are asking for, without rebuilding the foundation that keeps everything running.

By decoupling innovation from the core, banks stop choosing between stability and speed. They get both.

Learn more

• Community banks break the legacy lock to reach digital transformation
• Hogan’s API & Microservices solution bridges modern and mainframe banking
• Financial Services IT Solutions