UniRail℠ is Capstone’s Banking-as-a-Service platform, licensed and deployed on your own infrastructure — branded web and mobile banking applications, operational modules, a library of 20+ white-label deployment templates, and implementation resources, so teams move from planning to a controlled, branded launch.
Front end and back end for the client experience — licensed, deployed, and operated by you. Web and mobile applications, an API-first backend, and a full operational back office, built on a modern TypeScript / Next.js / Prisma stack and delivered with full source access under a perpetual, royalty-free licence.
UniRail is a technology product, not a regulated banking service. It gives product and engineering teams a head start on the interfaces and operational workflows behind a modern financial product, so they configure and brand rather than rebuild every screen and flow from scratch.
Built for teams that need banking technology with controlled deployment and clearer operational visibility.
UniRail is built around an API-ready implementation structure so the interface and operational layers can connect to the banking, payment, and provider systems a program already uses. Integrations are established during implementation and depend on the provider relationships and licences the client holds — Capstone does not itself provide regulated banking services.
Select the interfaces, modules, and branding that match the intended product.
Wire the interface layer to approved APIs, providers, and internal systems.
Validate flows, controls, and audit requirements before go-live.
Move to a controlled, branded deployment with implementation guidance.
The product supports audit-oriented workflows and administrative dashboards intended to keep operations reviewable. Regulatory approvals, banking licences, and provider compliance remain the responsibility of the client and its partners. No security guarantee, certification, or banking authorisation is implied by the product.
Review systems, risks, operating model, and product requirements.
Select modules, integrations, branding, workflows, permissions, and reporting.
Connect with approved systems, APIs, data sources, and processes.
Monitor adoption, review performance, and expand when required.
No. UniRail is a technology product that provides interfaces, modules, and implementation resources. Regulated banking services depend on the client’s own licences and partner relationships.
Yes. Configurable branding and design systems let teams apply their own identity across the interface templates.
The implementation structure is API-ready. Specific integrations are configured during deployment and depend on the systems and providers the client uses.
Deployment documentation and implementation guidance accompany the product to support a controlled rollout.
Share your requirements, existing infrastructure, integration needs, and intended deployment model.