Standard Hardware
Runs on standard x86 servers, free from proprietary hardware lock-in
CAKU
CAKU | Open-Platform Card Processing System
CAKU is an open-platform card processing system built on a distributed microservices architecture. It is engineered for high concurrency and seamless, real-time transaction processing at scale.
Cloud-Native + Cell-Based Deployment
Achieves high availability (RPO = 0, RTO ≤ 30 seconds) and high scalability
Hundred-Million-Level Account Capability
Supports hundreds of millions of accounts through horizontal scaling
Redefining the scalability and reliability of card processing systems.
High Performance
3 servers (2 APP + 1 DB) test environment · TPS > 4,000, 100% success rate
High Availability
RPO = 0, RTO ≤ 30 seconds
High Security
Compliant with PCI-DSS, ISO27001, GDPR; supports AES/3DES/RSA/SM3/SM4; zero trust architecture
Multi-Card Organization Compliance
Fully compatible with Visa, Mastercard, UPI, JCB, CUP
Business Agility & Architecture
Customer as Key Unit · Scenario-Driven Business Model
Customer-Level View
Shifting business functions from product level to customer level, providing complete customer view to support personalized services
5W1H Scenario-Driven
Based on Who, What, When, Where, Why, How methodology, dynamically configuring products, pricing, and limits
1,000+ Standardized Components
Pre-built rich business process components, flexibly assembled through open API platform to rapidly build new business
Rapid Launch
Composable architecture significantly shortens new product time-to-market
Technical Integration Capability
CAKU possesses powerful connectivity and security capabilities, adapting to modern payment ecosystems.
External Connectivity
Standard ISO 8583 messaging, seamlessly connecting with VISA, Mastercard, UnionPay and other card organizations and acquiring institutions
JSON format RESTful APIs, efficiently integrating with core banking, risk management, HSM and other peripheral systems
Security Mechanisms
Zero Trust architecture, default distrust of any internal or external access
Static data encryption + Transmission data encryption
Automatic vulnerability detection, building end-to-end security defense
Real-Time · Flexible · Multi-Channel Support
From real-time transactions to multi-channel payments, CAKU makes card processing more agile and open.
Real-Time Posting
Eliminating traditional batch processing windows, supporting 24/7 uninterrupted service
Parameter-Driven
Over 8,000 business scenario-classified parameters ensuring extreme business flexibility
Multi-Channel Support
Chip cards, magnetic stripe cards, Apple Pay / Google Pay (DPAN), digital currency wallets, fully adapting to modern payment scenarios
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