Takara Solutions
Platform

A layered architecture, designed to compose.

The Takara platform is organised into layers with defined module boundaries, integration patterns and responsibilities. Each layer can be adopted individually or as part of a broader deployment.

Layer 1

Experience Layer

Merchant, consumer and operations experiences delivered on top of the platform.

Merchant portalsConsumer walletsOperations consolesSDKs & apps
Layer 2

Payment Services Layer

Product-level payment services composed from platform capabilities.

AcquiringIssuingWalletsEmbedded finance
Layer 3

Core Infrastructure Layer

The processing, switching and settlement core of the platform.

SwitchingGatewaySettlementLedgering
Layer 4

Connectivity Layer

Standards-based integration with schemes, networks and partner systems.

Card schemesReal-time railsCore bankingPartner APIs
Layer 5

Security & Control Layer

Security, identity, risk and control functions applied across every layer.

Identity & accessCryptography & HSMRisk & fraudAudit & observability
Institutional fit

How Takara fits into an institution's architecture.

Takara sits between customer channels and the institution's downstream banks, schemes and networks — with defined ownership at every layer.

Layer 1
Customer Channels
Web · mobile · POS · APIs · portals
Layer 2
Experience & Operations
Merchant, operator and admin surfaces
Layer 3
Payment Services
Acquiring · gateway · issuing · wallet · fraud
Layer 4
Core Processing
Switching · settlement · reconciliation
Layer 5
Banks, Schemes & Networks
Card networks · RTGS · schemes · external

Layer ownership varies by deployment model. Responsibilities are confirmed per engagement.

Module boundaries

Independent modules, consistent contracts.

Modules are designed as independent services with explicit APIs, event contracts and data boundaries.

Experience & Operations
Merchant portals, operator surfaces, developer consoles, admin interfaces.
Payment Services
Acquiring, gateway, issuing, wallet, tokenisation and merchant services.
Core Processing
Switching, settlement, reconciliation, routing and ledger interactions.
Data & Intelligence
Event streams, reporting, analytics, and governed AI operations.
Connectivity & Security
APIs, network adapters, HSM-based cryptography and access controls.
Integration patterns

Predictable connectivity.

Integration follows a small number of well-defined patterns, applied consistently across modules.

API-first
REST and messaging APIs across every service, with schema-based contracts.
Event-driven
Event streams for state changes, decisioning and downstream integrations.
Adapters
Standards-based adapters for schemes, networks, core banking and ledgers.
SDKs
Client and server SDKs for common languages and mobile platforms.
Operating properties

Security, observability, resilience.

Operating properties are shared across modules rather than reinvented per product.

Security envelope
Cryptography, key management, access controls and segregation of environments.
Observability
Metrics, logs and traces across services, with support for institution-side monitoring.
Resilience
Health checks, circuit breakers, graceful degradation and staged rollouts.
Data boundaries
Data minimisation, retention control and separation between processing and analytics.
Deployment

Deployment models.

Takara supports a range of deployment models. Availability depends on product, market and project scope.

Cloud
Hosted, managed and scaled in the cloud.
Private Cloud
Deployed in a dedicated private environment.
On-Premise
Deployed within the institution's own data centres.
Hybrid
Combined cloud and on-premise deployment.
Modular
Adopt individual modules without a full-stack commitment.
API-Based
Consume capabilities as APIs from an existing product.
White-Label
Deliver services under your own brand.
Managed Service
Takara manages the platform layer for you.

Deployment availability depends on product, market and project requirements. Specific models are confirmed on a case-by-case basis.

Responsibility model

Clear ownership across the stack.

Every deployment model has a documented split of responsibilities between Takara, the customer and third parties.

Takara-managed
Platform services, upgrades and shared infrastructure in managed deployments.
Customer-managed
Institution-specific configuration, business processes and end-user interfaces.
Partner-managed
Third-party services, network memberships, hardware and certified components.
Implementation

The implementation journey.

A staged approach from discovery to steady-state, adapted to each institution.

  1. 1

    Discovery

    Understand the institution, current systems, target outcomes and regulatory context.

  2. 2

    Solution Design

    Design the target architecture, modules, integrations and deployment model.

  3. 3

    Configuration & Integration

    Configure the platform and integrate with core banking, schemes and partner systems.

  4. 4

    Testing & Readiness

    Functional, non-functional and operational testing before go-live.

  5. 5

    Launch

    Controlled launch with agreed rollout, monitoring and support model.

  6. 6

    Scale & Optimise

    Extend usage, add capabilities and continuously optimise the platform.

Implementation scope, milestones and timelines are defined per engagement. Takara does not commit to standardised implementation durations.

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