Generation and tokenisation
PAN creation with atomic sequencing, immediate tokenisation and managed encryption. The real PAN stays inside the secure perimeter for its whole lifecycle; the rest of the issuer stack works on the token.
Card Data Environment
M-CDEThe secure environment where the PAN lives — and which it never leaves. Optional: it is a prerequisite for no other module.
PAN lifecycle
Generation, activation, suspension, reactivation and cancellation, with a state machine and complete trail.
Per-issuer isolation
Physically isolated database, dedicated key vault and independent M2M credentials per issuer, with individual access governance, limits and metrics.
Performance and segregation
Three concurrent issuers at 1,500 TPS, with 100% success, p95 latency below 50 ms and physical per-issuer segregation throughout the test.
Security references
Principles and controls from ISO/IEC 27001:2022, PCI DSS v4.0.1 and PCI PIN guide privilege segregation, data protection and audit trails. Mentioning these references does not represent certification, validated compliance or an AoC.
Where this connects
Technical material →You keep what already works
Your BIN, your authoriser and your transaction flow stay yours. The CaaS enters as an API call inside the flow you already run: where the cryptographic primitive is missing today, an answer appears. This is not handing your operation to a third party — it fills the gap without touching the rest.
Lower cost of change
No database migration, no platform swap, no integration rewrite. What changes is where one answer comes from inside the flow, not the flow itself.
Faster to deploy
No infrastructure project, no HSM procurement, no secure perimeter to build and certify. The timeline becomes integration, not construction.
Transparent process
Every call is traceable, with per-issuer metrics and audit trail. You see what the service does, when it does it, and how fast.
UNCHANGED — Card core and customer records, authoriser, fraud tooling, portals and channels, personalisation bureau and your databases stay exactly as they are.