Infrastructure

Built for banking. Designed to extend.

KOTA's architecture is built so several banks can share the same compliance methodology while each keeping its own private workspace. The same shape extends, beyond banking, to anyone with the same structural problem.

Roles

Different interfaces. Same customer records underneath.

01 · Adopting bank

Bank workspace

Live today. Private workspace per bank, with full KYC, AML and OECD operating context.

02 · Operator

Operator record

Held by the operator, shared selectively, recognised by every adopting party.

03 · Partner

Partner reader

Interoperability path for buyers, public-sector offices and certifiers.

The roles are settled. The shape that keeps them apart is the next thing to see.
Bank workspace isolation

Each bank has its own private workspace. Operators move across all of them.

Adopting banks operate inside private workspaces, with their own KYC, AML and OECD context. The shared methodology lives at the centre. Operator records travel across, scoped to what each operator has chosen to share.

BANK WORKSPACETrust Merchant BankLIVEKYC · AML · OECDprivate to this bankno cross-bank dataBANK WORKSPACEOther bank · RegionJOININGKYC · AML · OECDprivate to this bankno cross-bank dataBANK WORKSPACEOther bank · RegionJOININGKYC · AML · OECDprivate to this bankno cross-bank dataOPERATOR RECORD MOVES ACROSSscoped to what each operator has chosen to share
Each bank has its own private workspace. Operators move across.Adopting banks operate inside private workspaces, each with its own KYC and review queue. The shared methodology lives at the centre. Operator records travel across, scoped to what each operator has chosen to share.
The workspaces are private. The methodology that powers them is the same one.
Methodology

Scoring banks can trust. Consistent across every adopting party. Current over time.

Governed centrally

A single scoring methodology lives at the centre of KOTA. Versioned, audited, inherited by every adopting party.

Calibrated to banking

Built around the obligations banks already carry. No new compliance framework: a structured operating expression of the existing one.

Current over time

Operators update once. Counterparties read the current view. No more snapshot reports ageing out before the next decision.

Banking is the first track. There is a second one, at the boundary between finance and the state.
Digital Public Infrastructure

A shared record between finance and the public sector.

The artisanal mining sector touches both finance and the state. Banks need verified counterparties to lend. Public-sector offices need a clear view of who is operating, where, and under which permit. Today those records sit apart, in incompatible formats.

KOTA can serve as the shared layer that lets both sides read the same operator record. Same structured fields. Different scopes of access. Records align across institutions that today work in isolation.

The pattern travels naturally to public bodies that need to formalise ASM activity (organisations like CEEC or SAEMAPE in the DRC, or their counterparts elsewhere) and to aggregators that consolidate cooperative production for downstream markets. Each reads the same record at a different scope, with the operator's consent.

PUBLIC SECTORMining ministry registerProvincial cooperatives listFormalisation programmeTax & social contributionsFINANCEBank KYC filesCredit assessmentTrade financeInsuranceKOTA · SHARED RECORDOne operator profileread by both sidesaligning records between institutions that today work in isolationDIGITAL PUBLIC INFRASTRUCTURE FOR THE SECTOR
One record. Read by finance, by the state, by partners.The same operator record can carry banking onboarding on one side and public-sector formalisation on the other, letting records align across institutions that today work apart.
Where it extends

Banking first. The wider compliance ecosystem next.

Adopt KOTA as a bank if your role is to operate a compliance workspace in the sector. Interoperate with KOTA if your role is to read structured operator data without rebuilding the methodology yourself.

Talk to the team

Adopt KOTA. Or interoperate with it.

Both paths are open. Both are governed by the same shared methodology.

Talk to KOTA