One runtime. N tenants. Per-bank bindings. Cooperative and mutual banking networks share a shape no tier-1 vendor was built for: federated governance, modest per-bank IT budgets, the regulatory burden of a tier-1, and a fierce attachment to local autonomy. Klyqo is the composable orchestration layer that fits.
~1,500 cooperative & mutual banks across the EU · same governance shape · same modernization gap
The platforms pitched to a Crédito Agrícola or a Volksbank were designed for tier-1 commercial banks. The fit is consistently wrong, in three predictable ways.
A municipal cooperative has €300k to €1.5M for the entire modernization. Tier-1 vendor sales motions, implementation timelines, and licensing structures don’t work at this scale. The proposal arrives at €1.45M and 18 months for a build that the bank operates on for fifteen years.
Some federations (Crédito Agrícola group) share back-office, reporting, bancassurance through a central institution. Others (Agrimutuo) don’t. One-size proposals from horizontal vendors either over-build what the group already provides or under-build what the bank actually needs.
Eighty Caixas Agrícolas, eighty separate vendor contracts, eighty separate consumer onboarding builds, eighty separate compliance integrations. Nothing in the existing market treats a federated network as a single deployment target. Every modernization is the first modernization.
Klyqo’s runtime was built for the shape cooperative networks actually have: multi-tenant by default, federation-aware, per-bank bindings, group-level visibility. The work each bank pays for compounds into the network the group runs.
Each member bank is a Klyqo tenant. Tenant A binds KYC to Onfido and ledger to Mambu; Tenant B binds KYC to IDnow and ledger to the group’s shared instance. Same journey definitions, different providers per tenant. Postgres row-level security isolates everything by tenant from the database up.
Every customer-facing flow — account opening, lending, transfers, KYC refresh — is a TypeScript journey definition. Every step is signed, append-only, regulator-replayable. Banco de Portugal, BaFin, FinCEN, Banca d’Italia all ask for the same artifact. Klyqo produces it without an export pipeline.
A group sees aggregate posture across all member banks — AML alerts, regulatory metrics, provider SLAs — without breaking tenant isolation. Each member bank sees only its own data. The network operator gets the consolidated view the existing market doesn’t produce.
Agricultural lending. Cooperative member onboarding and share capital subscription. AGM workflows. IFAP subsidy reconciliation. The journey blueprints unique to mutual and cooperative banking, packaged and ready to bind to your providers. No tier-1 vendor will build these; we already have.
Klyqo’s signed audit log is the substrate for a regulator-friendly operator assistant. Help a branch advisor triage twenty KYC exceptions, draft a customer email about a declined transaction, pre-fill a Banco de Portugal query, summarize a loan file. Human approves every action. No autonomous customer-facing agents.
Cooperative banking has its own product catalogue. Klyqo ships journey templates for the ones that matter, ready to bind to your providers and adapt to your federation.
Farmer registration with IFAP eligibility check, parcel data capture, harvest-aligned amortization schedules, CAP subsidy reconciliation into the loan. Designed around how Portuguese, Spanish and Italian cooperatives already lend.
Income verification, credit scoring through your bound engine, eIDAS-signed contracts, disbursement to a Mambu current account. Fifteen-minute application path for the local-market consumer who already banks with you.
KYC with Cartão de Cidadão or local eID, AML screening, board-approval workflow, share-capital subscription, member-services provisioning. The flow no horizontal challenger has bothered to build.
Subscription, certificate issuance, dividend distribution, capital withdrawal under cooperative statutes. Per-bank rules, group-level reporting, audit trail every step.
Convocation, agenda distribution, identity-bound remote attendance, e-voting per resolution with audit-grade traceability. Designed to satisfy cooperative statutes and EU governance regulation simultaneously.
Per-customer consent capture, scope management, revocation, audit log, regulator-export bundling. A capability nobody in your category provides; a regulatory line item that doesn’t care that you’re a small bank.
A reference point, not a customer. AWS published a case study on Raiffeisen Digital Bank in Romania: Mambu on AWS, loan decisions in 15 minutes, disbursement under 30 minutes, full digital deployment from greenfield. The architecture pattern is the same one Klyqo builds toward for federated cooperative networks. Klyqo is in design-partner phase; first public Klyqo case studies are gated on launch partners being ready to be named.
Public AWS reference · Raiffeisen Digital Bank, 2024 · not a Klyqo customer
A pre-packaged set of journey templates, recommended provider bindings, and federation-aware configuration. Clone the repo, bind to your providers, deploy. The work compounds: every adapter you wire becomes a template the next bank in your network reuses.
TypeScript journey definitions for the workflows that define a cooperative bank, with Mambu adapter bindings, eIDAS contract signing via Multicert, SEPA Instant payments through TIPS, Cartão de Cidadão identity, and the signed audit log spanning every step. Default mock adapters let your team run locally before binding to live providers.
Talk to us about your cooperative network. Thirty minutes, no deck. We’ll walk through the runtime, the cooperative blueprint, and tell you honestly which member bank should go first.