MARCH 2026 • 5 MIN READ
Basel IV & core banking: what the new capital rules mean for your platform stack.
Basel IV tightens the link between risk measurement and what you can run in production. If your core still behaves like a single deployable with seasonal freezes, you will feel this as a scheduling problem first — and a capital problem second.
Where platforms break first
Most pain shows up at the seams: instrument masters, collateral feeds, and the reporting warehouse that was never meant to be a system of record. The fix is rarely “a new module”; it is a phased boundary around what must be immutable versus what can iterate.
How we phase the work
We start with a thin reporting spine that can replay the past reliably, then migrate risk-bearing paths incrementally. Parallel runs are treated as product features: comparable outputs, explainable deltas, and operator tooling that survives a real audit week.