Built on Advanced Technology
Microservices architecture with AI guidance and deterministic optimization
System Architecture
Microservices architecture with scalable, cloud-based deployment
Client Layer
Application Services
Data Layer
Production Deployment
AWS cloud architecture with microservices and event-driven automation
Microservices
Frontend
ECS FargateBackend API
ECS FargateLLM Service
ECS FargateExecution Worker
ECS FargateInfrastructure
Database
- •Multi-AZ
- •Auto Backups
Cache
- •Sessions
- •Rate Limiting
Vector Store
- •RAG
- •Semantic Search
Storage
- •Configs
- •PDFs
- •Secrets
Event-Driven Automation
Periodic Rebalancing
EventBridge Schedule
Automated portfolio rebalancing
Savings Allocation
Monthly/Bi-Weekly
Automatic fund transfers
Price Updates
Market Hours
Real-time market data sync
Platform Workflow
The complete journey from goal creation to automated execution
Goals
Create and manage multiple financial objectives with customizable parameters
Forecast
Advanced Monte Carlo simulations to project goal success probability
Optimize
Intelligent prioritization and automated monthly surplus allocation
Invest
Professional-grade portfolio construction with risk assessment
Execute
Tax-aware trading, rebalancing, and continuous monitoring
AI Assistant & Deterministic Optimization
AI Assistant
- •RAG-powered guidance
- •Context-aware assistance
- •Helps investors & advisors
- •Multi-agent orchestration
Deterministic Optimization
- •Transparent algorithms
- •Priority scoring (APR, funding ratios, time horizons)
- •Explainable decisions
- •Consistent results
Security & Compliance
Security
- •End-to-end encryption
- •Secure data storage
- •Access controls & authentication
- •Regular security audits
Compliance
- •Financial industry regulations
- •Data protection standards
- •Privacy policy compliance
- •Audit trail & recordkeeping
For Institutions
Financial institutions, recordkeepers, and fintech platforms partner with kernsysteme to offer comprehensive financial planning to their customers—empowering individual investors through trusted channels.
How B2B2C Works
Financial Institution
Banks, retirement plan providers, fintech platforms partner with kernsysteme
White-Label Integration
API integration, brand customization, and seamless deployment under institution's brand
Individual Customers
Institution's customers access comprehensive financial planning through trusted channel
Partnership Benefits
Enhance Customer Value
Offer comprehensive financial planning as a value-added service
Increase Engagement
Drive higher participation and retention through better financial outcomes
White-Label Integration
Deploy under your brand with full customization and API integration
API Integration
RESTful API
Comprehensive REST API for all platform capabilities
- •Goal Management
- •Forecasting
- •Optimization
- •Investment Strategy
- •Execution
Authentication & Security
Enterprise-grade security for API access
- •OAuth 2.0
- •API Keys
- •Rate Limiting
- •Encrypted Communication
Webhook Support
Real-time event notifications for integration
- •Goal Updates
- •Trade Execution
- •Rebalancing Events
- •Custom Events
White-Label Deployment
Brand Customization
Full control over visual identity
- •Custom Logo & Colors
- •Branded UI Components
- •Custom Domain
- •Email Branding
UI/UX Customization
Tailor the experience to your brand
- •Custom Themes
- •Layout Options
- •Feature Toggles
- •Custom Workflows
Deployment Options
Flexible deployment models
- •Cloud Hosting
- •On-Premise
- •Hybrid
- •Multi-Region
Backend Architecture
Scalable Infrastructure
- •Microservices architecture for independent scaling
- •Containerized deployment with Kubernetes
- •Multi-region support for global reach
- •Auto-scaling based on demand
Multi-Tenancy & Security
- •Complete data isolation between institutions
- •Role-based access control (RBAC)
- •Comprehensive audit logging
- •SOC 2 Type II compliant infrastructure
Enterprise Features
- •API integration and white-label deployment
- •Scalable architecture for millions of users
- •Comprehensive compliance and security
- •Dedicated support and onboarding
Business Benefits
- •Increase customer engagement and retention
- •Differentiate your offering in the market
- •Reduce development time and costs
- •Faster time-to-market for new features
Ready to Transform Your Financial Planning?
See how kernsysteme can help you achieve all your financial goals