Core Banking & Integration Partners
Pre-built, certified integrations with leading core banking systems, digital banking platforms, loan origination systems, and payment processors. Your core is not a blocker — it's where we start. Integration is one of our superpowers: it's the part other vendors avoid, and the part we've made routine.
Proven in production
These aren't roadmap integrations. They're running today at credit unions and community banks — including First Fidelity Bank, where account opening runs in production on Jack Henry SilverLake with lending decisions flowing into Decision Pro.
Explore integrations by category
Six integration families cover cores, digital banking, lending systems, and payments.
Jack Henry
VIP Partner integrations including Symitar (Episys), SilverLake, CIF 20/20, Core Director, and the Banno Digital Platform.
Explore Jack Henry integrations →Corelation KeyStone
Comprehensive integration via the KeyBridge API with sophisticated account opening, loan applications, and work task management.
Explore Corelation integration →Fiserv
Enterprise integrations with DNA, XP2 (APEX), Portico (EHPRMR), and Premier for robust account and membership management across banks and credit unions.
Explore Fiserv integrations →Digital Banking
Alkami and Jack Henry Banno integrations for online banking enrollment, SSO, and cross-sell placements inside the digital banking experience.
Explore digital banking integrations →Loan Origination Systems
Connect Cotribute's digital lending experience to any open LOS, including direct connectivity to LOS capabilities that are part of Corelation. Finastra Decision Pro and Sync1 Systems are additional production examples, not the limit of compatibility.
Explore LOS integrations →Payments & Verification
REPAY, Stripe, Jack Henry SmartPay Vault, and NACHA ACH export for funding flows — plus the identity and fraud verification ecosystem.
Explore payments integrations →Cotribute runs 7 of 9 steps. Credit stays in your LOS.
Cotribute creates the connected digital experience around the two stages your loan origination system owns: underwriting and pricing, then booking and funding.
Cotribute runs 7 of the 9 steps
Cotribute sends the completed application and supporting data by API. Decisions and statuses return from the LOS and trigger the appropriate next digital step. That includes direct connectivity to LOS capabilities that are part of Corelation, as well as any open LOS with usable APIs.
Any open LOS works. If the system provides usable APIs, give us the API documentation and a test environment. We will build the connection in three weeks at no additional cost. See how LOS integration works →
Product × core capability matrix
Every Cotribute product runs on every core we integrate with directly. No "supported on some cores" asterisks.
| Product | Symitar | Corelation | Fiserv DNA | Fiserv XP2 | Fiserv Portico | SilverLake |
|---|---|---|---|---|---|---|
| MAO (Member Account Opening) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| LAP (Loan Application) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| BAO (Business Account Opening) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| BLA (Business Loan Application) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| FraudGuard+ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| BusinessGuard+ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| AIA (AI Acquisition Agent) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| AIC (AI Cross-sell Agent) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| AIR (AI Relationship Growth Agent) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Check your core
Every core and system we support today, A–Z, with how the connection works. Real-time means direct API — data lands on your core the moment an application is approved. Near-real-time means structured file export (CSV or JSON via S3, SFTP relay, or Kinesis stream).
| Core / system | Vendor | Connection | Data flow |
|---|---|---|---|
| CIF 20/20 | Jack Henry | jXchange · SOAP 1.1 with WS-Security | ✓ Real-time |
| ClearTouch | Fiserv | REST via AppMarket Developer Studio | ✓ Real-time (AppMarket-enabled; first cohort now being accepted) |
| Core Director | Jack Henry | jXchange · SOAP 1.1 with WS-Security | ✓ Real-time |
| CUSA | — | Flat file export (account/loan data) | Near-real-time |
| DNA | Fiserv | CMC / OpenSolutions API · SOAP/XML over TLS | ✓ Real-time |
| KeyStone | Corelation | KeyBridge API · HTTP REST + XML | ✓ Real-time |
| Loan Director | — | Flat file export (loan application data) | Near-real-time |
| Portico | Fiserv | EHPRMR · SOAP/XML with IFX | ✓ Real-time |
| Precision | Fiserv | REST via AppMarket Developer Studio | ✓ Real-time (AppMarket-enabled; first cohort now being accepted) |
| Premier | Fiserv | REST via AppMarket Developer Studio | ✓ Real-time (AppMarket-enabled; first cohort now being accepted) |
| SilverLake | Jack Henry | jXchange · SOAP 1.1 with WS-Security | ✓ Real-time |
| Symitar (Episys) | Jack Henry | SymXchange · SOAP/XML over TCP | ✓ Real-time |
| XP2 | Fiserv | APEX · REST API with XML payloads | ✓ Real-time |
Don't see your core, LOS, or digital banking platform? Contact us — we'll show you how to get a near real-time interface in place quickly. Our flat file export adapter connects systems without real-time APIs — 55+ export configurations run in production today, including Salesforce, HubSpot, Trellance, and Verafin. Talk with us to confirm compatibility for your core — we'll give you a straight answer in one call.
How the connections work
For your IT team: the protocols and authentication methods behind each integration.
Connection protocols
TCP/TLS SOAP/XML — Symitar (SymXchange), Fiserv DNA
HTTP REST/XML — Corelation (KeyBridge), Fiserv XP2 (APEX)
HTTP REST/JSON — Sync1, Alkami, REPAY, Stripe, Banno
SOAP 1.1 + WS-Security — SilverLake, CIF 20/20, Core Director
SOAP/XML + IFX — Fiserv Portico (EHPRMR)
Webhook (HTTPS POST) — Finastra Decision Pro
Authentication methods
Device credentials — Symitar (SymXchange)
Session tokens (auto-refresh) — Corelation, Portico, Banno (OIDC)
SAF two-phase auth — Fiserv DNA
API credentials — Fiserv XP2 (APEX), Sync1 Systems
HMAC-SHA256 signing — Alkami, Finastra Decision Pro
WS-Security UsernameToken — SilverLake, CIF 20/20, SmartPay
Bearer tokens — REPAY, Stripe
Data handling
Full XML namespace handling · JSON transformation · phone number parsing (E.164) · SSN/TIN normalization · address parsing (primary/mailing) · date timezone conversion (ISO 8601) · currency decimal precision.
Partner ecosystem
Jack Henry
Corelation
Fiserv
FIS
Alkami
OnBase
Alogent
Stripe
Plaid
Atomic
Vital
DocuSign
Socure
Middesk
Vouched
Effectiv
Microbilt
TruStage
Glia
TwilioCoresDigital bankingIdentity & verificationKYB & complianceDecisioningE-signaturePayments & funding
SOC 2 Type 2 certified · FIS GKYC certified · Jack Henry VIP Partner · Corelation Preferred Partner · Banno Certified · Fiserv AppMarket Partner
Integration questions, answered
ITAre your core integrations real-time or batch?
Both, depending on the core. Our 36+ direct API integrations are real-time with Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) cores — approved applications post to the core immediately. For systems without real-time APIs, our flat file export adapter delivers CSV or JSON via S3, SFTP relay, or Kinesis stream, with 55+ export configurations in production.
ITWho builds and maintains the integrations?
Cotribute does. Integrations are pre-built and certified through formal partner programs — Jack Henry VIP Partner, Corelation Preferred Partner, Banno Certified, Fiserv AppMarket Partner — and we maintain them as core vendors release updates. Your implementation includes a dedicated integration engineer, sandbox environment access, and technical documentation.
ITWhat do core integrations cost?
Certified core banking integrations are included in the platform price. You're not buying a connector, then paying again for the platform. Custom integrations outside the certified set are scoped separately. See pricing for how platform pricing works.
ITHow long does an integrated implementation take?
Account opening goes live in about 30 days — Blue Federal Credit Union launched its entire Online Account Opening platform in 30 days. Loan modules typically take 45–60 days depending on the core. Existing certified integrations mean we start from a working connection, not a discovery project.
See it running on your core
Try the live demos, or bring your core and your questions — we'll confirm compatibility in one call.