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Banking verified Verified Outcome TRL 9

Immutable Ledger for Massive Scale

domain Client: Leading Latin American Neobank handshake Provider: Datomic (Cognitect) schedule Deploy: Launch-Present
95 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The digital bank built its core ledger on an immutable database using functional programming, allowing it to scale to nearly 100 million customers with minimal operating costs.

rate_review Analyst Verdict

"Technological outlier success. The choice of a functional programming stack (Clojure) and immutable database provided a massive concurrency advantage, enabling the lowest cost-to-serve in the industry."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

As a hyper-growth digital challenger, the bank needed a core ledger that could scale indefinitely without the performance degradation or locking issues common in traditional relational databases. They also required perfect auditability of every state change for every account since inception.

psychology The Solution

The fintech architected its core systems using Datomic, a transactional database with an immutable data model, written in Clojure. This architecture ensures that data is never overwritten, only accreted, providing a perfect, queryable history of the past. It utilizes a microservices architecture to scale components independently.

settings_suggest Technical & Deployment Specs

Integrations
Custom Microservices
Deployment Model
Cloud
Data Classification
Financial
Estimated TCO / ROI
Low (OpEx)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Niche Tech Talent Medium Internal training academy

trending_up Impact Trajectory

Audited value realization curve

Cost to serve per customer <$1 Verified Outcome
Primary KPISupport for 90M+ customers
Audit CyclePerfect audit trail of all transactions

policy Compliance & Gov

  • Standards: Brazil Banking Regs
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Leading Latin American Neobank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-404
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-404

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