Banking
The vault isn’t
holding money.
It’s holding rules. Interest accrual, AML screens, fee schedules, charge-off logic — forty years of regulated decisions sealed inside CICS, IMS and nightly batch.
The true ledger
Every rule on the ledger. Audit-ready.
Forty years of decisions, behind a wheel no one turns. Palm opens it without moving a thing.
Core banking · CICS · IMS · DB2
The regulator-grade answer
When the regulator asks why an account accrued the way it did, “that’s how the batch job works” is not an answer. The truth lives in COBOL paragraphs that three people can still read — and two of them have retirement dates.
Palm Key maps the core — programs, copybooks, JCL, the CRUD trail through DB2 and VSAM. Palm Ark extracts every rule deterministically, each one carrying its source lines, ~95% accurate in benchmark. What you get is the bank’s true ledger: not balances, but the logic that produces them, written down at last.
From there, Palm Ray rebuilds the core as services your real-time payments roadmap can actually call — or maps it into your banking platform’s native model. The batch window stops being the business’s heartbeat.