← State of Embedded Finance 2026

Constantinople

Can a single AI-native platform replace the legacy core banking stack and run banks' entire technology and operations at a fraction of the traditional cost?

HQAustralia
IndustryInfrastructure / BaaS
The story

Constantinople is an AI-native banking platform (operating under the brand/domain cxnpl.com) that positions itself as a full-stack technology and operations service for banks and fintechs globally. Rather than being a bank itself, Constantinople provides the core banking software, operations, compliance, and card infrastructure that enables clients to launch or modernise banking products — from everyday accounts and term deposits to lending, payments, and cards — in months rather than years. Its partnership with Paymentology for card issuing and its Tyro case study illustrate a model aimed at reducing time-to-market for licensed banks and embedded finance players.

Last 12 months
2024
2024
Product timeline
2024
Partnered with Tyro (ASX-listed business payments company) to power expansion from payments into full-service banking in under 6 months.· banking
2024
Tapped Paymentology to drive payments innovation on the Constantinople platform.· card
The stack
Card issuing
Paymentology
Lending
Lending lifecycle management (application to collections)Working capital promptsBatch payment-linked lending
Accounting
XeroMYOB
Accounting gap: minor