Arca provides virtual accounts that may be linked to BSBs and card programs.

Technical specifics:

Each account represented as a ledger object with real-time balance updates

Supports unique identifiers (BSB + Account Number)

Can be mapped to cards, wallets, sub-accounts, or external payment rails

Balance validation performed during authorisation in <200 ms latency

Use cases:

Corporate expense wallets

Escrow-style accounts

Multi-wallet fintech applications

Arca supports complex financial structures including:

Joint accounts with shared ownership and signing rules

Hierarchical accounts (e.g., corporate master → subsidiary → employee card)

Multi-tier accounts for marketplaces, gig economies, franchise models

Technical aspects:

Shared ownership defined via metadata and permission models

Ledger supports parent/child relationships with cascading limits

Routing rules define whether debits flow from primary or pooled balances

Audit trails maintained for all role-based access actions

The financial core can represent lending or asset products as ledger-backed instruments.

Technical considerations:

Asset and liability accounts separated via ledger type

BNPL instalments represented as amortisation schedules stored in ledger metadata

Loan disbursement and repayment flows integrated into domestic rails

Stock/crypto/points balances maintained as abstract currency types

This enables embedded-finance use cases without requiring a full core-banking replacement

The ledger can maintain balances for:

Reward points

Gift card balances

Stablecoins / tokens

Non-fiat digital assets

Technical details:

Each asset type defined as a currency object with conversion rules

FX or points exchange can occur via configurable rate engine

Multi-currency ledger ensures atomic transaction posting across different asset types