An integration you can staff.
Real-time writes on eleven of thirteen cores — including all six Fiserv platforms, certified by Fiserv — published down to the protocol, with a three-week commitment on anything we haven’t met yet.
Core connections, with production status stated.
| Core | Vendor | Method | Data flow |
|---|---|---|---|
| Symitar (Episys) | Jack Henry | SymXchange · SOAP/XML over TCP | Real time |
| SilverLake, CIF 20/20, Core Director | Jack Henry | jXchange · SOAP 1.1, WS-Security | Real time |
| KeyStone | Corelation | KeyBridge API · REST with XML | Real time |
| DNA | Fiserv | CMC / OpenSolutions · SOAP over TLS | Real time |
| XP2, Portico | Fiserv | APEX REST · EHPRMR with IFX | Real time |
| Premier, Precision, ClearTouch | Fiserv | REST via AppMarket · Fiserv certified | Real time |
| CUSA, Loan Director | — | Flat file export | Near real time |
What you’re taking on.
Three weeks for anything new
Give us test access and API documentation for a system we have not met and we build the integration in three weeks at no additional cost. A date rather than a roadmap position.
36+ direct API integrations already live — cores, digital banking, identity and fraud, decisioning, e-signature, imaging, payments and funding.Current as of September 2026
Named effort, before you commit
Your team provides core credentials and sandbox access, validates test records, and signs off on product mappings and disclosures. We configure, you approve. About thirty days to live for account opening.
Blue Federal Credit Union launched a full online account-opening platform in 30 days.Client-reported · January 2024
Nothing gets replaced
Your core, your loan origination system and your digital banking platform all stay. Changing origination does not mean changing any of them — and where the decision to move has already been made, a contract end date is not a reason to wait — we can start before your incumbent agreement ends. Ask us how.
Cotribute sends application and supporting data to any open LOS and consumes decisions and statuses back. Underwriting, pricing, decisioning, booking and funding stay in the LOS. See the 7-of-9 Cotribute + LOS workflow →
Thirteen core platforms, with real-time writes on eleven — including all six Fiserv cores, certified by Fiserv. No core conversion is required.Current as of September 2026
“Our collaboration with Cotribute has truly been lifesaving. We experienced a critical setback with another vendor who couldn’t deliver on their technology promises, and we turned to Cotribute. Cotribute was able to blend speed and professionalism under the tightest of deadlines. Proving to be an excellent strategic partner, we look forward to scaling new heights together.”
Questions we get
Is it real-time to my core, or a nightly file?
Real time on eleven of thirteen cores, including all six Fiserv platforms — DNA, XP2, Portico, Premier, Precision and ClearTouch — certified by Fiserv. The account opens, funds and appears in your system of record inside the same session rather than appearing overnight. Two flat-file cores are near real time, and we say so.
We’re mid-way through a core evaluation. Should we wait?
No. We run on thirteen cores and have never replaced one, so the work is not wasted whichever way your evaluation lands. And if you have already decided to leave your origination provider, we can start before that agreement ends — ask us how.
What if you miss the three weeks?
Ask us for the terms in writing and the log of what we have delivered and when. A commitment without a record behind it is a sentence, not a commitment.
Which cores does Cotribute write to in real time?
Eleven of thirteen integrated core platforms take real-time writes, including all six Fiserv cores — DNA, XP2, Portico, Premier, Precision and ClearTouch — under Fiserv certification. Cotribute publishes the connection method for every core, so you can see which API and which authentication rather than taking "we integrate" on trust.
What does my team have to do during implementation?
Provide core test access and API documentation, and take part in configuration decisions on products, disclosures and decisioning rules. A named project manager and a full implementation team own the build. Blue Federal Credit Union went live with a full online account-opening platform in thirty days.
What if we use a system you have never integrated with?
Give Cotribute test access and API documentation and the integration is built in three weeks at no additional cost. Both conditions are stated up front, and what you get is a date rather than a place in a roadmap queue.
Is this a replacement for our loan origination system or digital banking?
No. Cotribute is a digital experience layer between your applicants and the systems you already run. It sends application and supporting data to any open LOS and consumes decisions and statuses back; underwriting, pricing, decisioning, booking and funding stay in the LOS.