THE AGENTIC BANKING ECONOMY
Bring clients, teams and approved partner services into one banking experience. Let agents prepare the work, while people keep control of the decisions.
Explore USD1 & yield swapping Non-value Testnet →
Built for banks & electronic money institutions Non-value Testnet
Illustrative contract writer · Fixed-term USD1 yield.
Illustrative terms · Zero-fee scenario · No early redemption. Principal and reward are at risk.
FROM INTENT TO OVERSIGHT
See who does what. Your agent prepares, you confirm, and an authorized team reviews.
01 / AGENT PREPARATION · ILLUSTRATIVE
Check the asset, provider and fixed term before confirming. Preparation does not authorize an investment.
01 / PARTICIPATE IN A FINANCIAL ECONOMY
Connect the client journey to identity, investment infrastructure and verifiable records. Explore what each participant contributes—and what is available today.
IDENTITY & ACCESS
Sign into Banking with your Hybrid-ID. Optional verification sharing remains consent-based; the institution makes its own onboarding and investment decisions.
Connections have different stages of readiness. Proposed roles require agreements, eligible markets and provider approval; licences remain with the licensed entities.
Meet the wider ecosystemUSD1 & YIELD SWAPPING
Start with a prepared USD1 example. Switch between the client, institution and evidence views, then test repayment or recovery.
Try it today. No real funds required.Illustrative rates and fictional providers. Client consent, team approval and repayment scenarios are ready to explore. Live offers remain a separate integration step.
1,000 USD1. One scenario.
Every perspective.
HYBRID MATCHING ENGINE / CONNECTED MARKETS
Bring conventional shares, tokenized instruments, crypto, private markets and yield opportunities into one banking experience. Hybrid Matching Engine sits at the centre of the proposed liquidity network, with product-specific adapters and institutional controls.
Order-book execution
Bring share discovery, client instructions, institutional controls and connected liquidity into the same banking journey.
Try the equity trading demo →Share ownership, custody and corporate actions follow the instrument and custodian. Sessions, holidays and halts remain venue-specific.
Explore the experience today in non-value Testnet. 24/7 execution is specific to the instrument, venue and available liquidity. Banking’s matching and routing connections are not activated.
02 / THE CONNECTED INFRASTRUCTURE
The workspace, connections, and core work together as your institution’s operating foundation within a wider financial economy. Choose the capabilities that serve your business.
Make the infrastructure approachable. Employees and clients express what they need; approved agents prepare the workflow, surface the details, and seek the right authorization.
See the interactionConnect to participating providers, their infrastructure, and eligible financial services. Build the commercial relationships that open new possibilities for your institution.
Explore the possibilitiesExplore accounts, payments and investments in the native Testnet core. Existing-core connectors are a separate integration path, with your bank’s core remaining authoritative.
Find your starting pointDESIGNED FOR A FASTER START
One implementation path, modular capabilities, and guided workflows are designed to simplify setup and reduce the work of bringing services together.
Choose the clients, markets, and services you want to support.
Plan identity, data, deployment, and your native or existing core.
Complete partner onboarding and approvals, then enable the agreed services.
Explore the agentic journeys now. Production readiness follows the agreed implementation, integration, and service activation process.
03 / AGENTIC BANKING, FOR EVERYONE
Ask an agent to prepare a payment, review a file, or request a card. The intended experience brings context and the next step together, with approval in the right hands.
THE EMPLOYEE WORKSPACE
Help new employees find their feet and experienced teams move faster. Bring context, policy, and the next step into one place.
Illustrative workflows. No accounts connected.
Review Meridian Trading’s onboarding file.
I can review the example file, identify missing evidence, and prepare a request for your approval.
04 / YOUR CORE. YOUR CHOICE.
Your route into the ecosystem can begin with a native core or an existing system. Both models share the ambition: connected services and simpler agentic operations.
For new institutions exploring Hybrid Core: bring accounts, workflows, and agent access together around a native banking foundation.
Hybrid Core pilot: persisted accounts, payment reviews and an internal ledger.
For established banks: connect the Hybrid workspace to an existing core, such as Temenos or Avaloq, through institution-specific integrations.
Your core remains authoritative. Connectors are planned.
Your designated system executes. Hybrid reflects the confirmed outcome. Existing approval and compliance processes remain part of the workflow.
05 / BUILT AROUND YOUR BOUNDARIES
Plan a deployment around your data requirements, operating model, and approved AI providers. Your institution defines the boundaries.
Design for local models, local context, and institution-controlled records. Include identity dependencies, backups, and support access in the deployment plan.
Deployment architecture is agreed during implementation.
06 / CONTROL IS THE FOUNDATION
Prepare work faster with agents. Keep institutional policy, human approvals and verifiable records at the center of the operating model.
Explore compliance in action →View the compliance PDF →Discover Hybrid IDScoped, revocable agent access linked to an accountable person. Your permissions set the ceiling.
Review the proposed action and its exact details. Sensitive instructions follow the institution’s authorization process.
Pilot workflows retain private audit records. Selected policy amendments publish commitments with independently verified Testnet inclusion.
A LITTLE MORE CONTEXT
Hybrid Banking is a financial infrastructure and economy platform. The proposition combines participation in a partner ecosystem, access to eligible services and business opportunities, and agentic operations for employees and clients. Banking software is one component of that wider operating model.
Participating providers operate within their own legal entities and permissions. A service relationship must establish the provider, jurisdiction, permitted activity, and eligible customers. Joining the ecosystem does not transfer a partner’s license or automatically authorize your institution to offer every service.
The design aims to shorten setup through shared infrastructure, modular connections, and approachable agentic workflows. You can explore the illustrative journeys on this site immediately. A production launch requires an agreed scope, integration, security and operational acceptance, and activation of the selected partner services; no universal instant-launch timeline is promised.
No. Hybrid Banking is a banking technology and infrastructure initiative. It does not accept deposits or provide banking services to the public. Financial services are provided by the relevant authorized institutions.
No. The connected model is designed to keep the existing core as the authoritative execution and accounting system. Hybrid provides the interaction layer and synchronized operational view. Each connector requires its own integration work; no live Temenos or Avaloq connector is represented in this preview.
The intended model supports institution-approved agent clients using scoped permissions. The bank decides which clients and models may connect, what information they can access, and which actions require separate approval. Hybrid ID sign-in and agent connectivity are future integration milestones for this website.
On-premises, private-cloud, and hybrid architectures are part of the planned offering. A local model alone does not determine residency: context, logs, identity services, backups, and support access must also fit the institution’s requirements.
Take the guided tour or try the public demos without signing in. Sign in with Hybrid-ID to open the working Hybrid Core pilot: apply for a relationship, manage recipients and prepare payment or card requests. Accounts start at zero; institutional review is required. External payment rails, card issuance and live trading are not connected. Contact OVRYDE to discuss an implementation scope.
Commercial discovery and implementation discussions are routed to OVRYDE. Scope and pricing depend on deployment, required integrations, modules, and support. No public price or institution onboarding commitment is offered in this preview.
YOUR PLACE IN THE NEXT FINANCIAL ECONOMY
Start with the business you want to build. Explore the partners, jurisdictions, infrastructure, and agentic journeys that could bring it to life.
Request a demo Preview the system first, or speak directly with OVRYDE, our implementation and commercial engagement partner.