Own it

The licence

Licence to use

For your own operations. Not to resell, and not to build a competing product on.

Source-available

The whole engine, under a commercial licence of the Business Source family.

The skills ship too

The procedures that maintain and extend it.

Multi-currency and multi-calendar included

They are the engine, not an add-on.

Priced by band and capability

Active accounts in bands; capabilities switched on. One annual number, at most three lines.

Three tiers

Tier	Shape	Lock-in	Support from us
1	Hosted by us, one tenant, yours	High	Highest
2	Licensed runtime and configuration packages, supported by us	Medium	Medium
3	Source-available foundation; you own and run your copy; optional update subscription	Low	Lowest

Tier 3 turns a small vendor into a feature: a bank nervous about the size of the company holds the code from day one.

Evaluation

Hosted triala tenant from a template with sample data, on our infrastructure, no source
Code evaluationyour team on a private mirror with an AI workspace: read, run, modify, use the skills; we keep an audit log; you build the thing you came to test
Free firstno commitment for the first period; then a monthly evaluation licence credited against year one
A release tag, not the main branchyou evaluate a snapshot; the update stream is what the licence pays for

Both open with launch.

Who it's for

Banks and lenders

Replace or augment your core. Own the result.

Run the book your core platform handles badly, or run the whole book. Either way you hold the source, the tools and the decision records. No vendor lock-in.

Consultants and integrators

Offer it to your customers.

Configure the engine for a market you know, keep the customer relationship, and price the capabilities you switch on. You know the legislation. We bring the engine.

Fintechs

An API-first back office behind your app.

Every operation is an API call: open accounts, post transactions, run schedules, take payments, issue statements, feed your general ledger. You keep building the front end. We run the part that gets teams stuck.

Try it

Hosted trials and code evaluation open with launch.

Where we are

Two demonstration tenants run today: a structured-finance book and a retail lending book, each with sample data.

The first production upgrade, moving the structured-finance book of one of the world's safest banks from the previous generation of this engine onto LedgerTM, is in progress. Code evaluation and hosted trials open with launch. If you want to see it before then, write to us.

jrich@tvm.co.za