Designed for event-driven, citizen-scale app development

Build without limits.
Deploy without dependency.

Torus is a general-purpose, enterprise-grade, citizen-scale low-code platform that delivers beautiful web and mobile applications. No lock-in. Source code available.

Attach a Swagger or CSV file, or drop it here

Trusted by banks, exchanges and financial institutions

FABAl MaryahFinance HouseDeemIndex ExchangeEquityUABKVBSirajCUBINGLuLu ExchangeNationalNSDLReemTMBLari Exchange

The Torus way of app development

You own what you build

Torus is purpose-built for enterprise scale, enabling financial institutions to design, build and deploy mission-critical applications faster, without ever being locked into a vendor’s roadmap. With an API-first, event-driven, in-memory microservices architecture, it powers web and mobile solutions that run on any on-premise, cloud or hybrid environment.

Source code availableYou own what you build.
No lock-inNever tied to a vendor’s roadmap.
Web & mobileBeautiful apps for both, from the same processes.
Any environmentOn-premise, cloud or hybrid, in a click.

Six fabrics, one app manager

Each fabric is a complete layer of a production app. The Torus App Manager ties them together, from build to release.

Torus Torus App Manager Manages builds, releases, deployments and dependencies.
API FabricBuilds and consumes APIs with a simple drag-and-drop approach.
Data FabricManages real-time datasets across tables, APIs, MQs, files and more.
UI FabricDesigns web and mobile application UIs.
Process FabricEnables event-driven BPM workflows with an in-built debugger.
Automation & Integration FabricSupports n8n integration and automation.
Deployment FabricGenerates infrastructure as code and CI/CD across environments.
  • API FabricBuilds and consumes APIs with a simple drag-and-drop approach.
  • Data FabricManages real-time datasets across tables, APIs, MQs, files and more.
  • UI FabricDesigns web and mobile application UIs.
  • Process FabricEnables event-driven BPM workflows with an in-built debugger.
  • Automation & Integration FabricSupports n8n integration and automation.
  • Deployment FabricGenerates infrastructure as code and CI/CD across environments.

Explore every fabric

One canvas for the whole app

APIs, data, screens, workflows, integrations and pipelines live on one drag-and-drop canvas. Every node is event-driven, reusable and debuggable.

Torus Studio — loan-origination / processLive
EventLoan submittedPOST /loan-applications
DataEnrich applicant3 sources · in-memory
RuleScore ≥ 700policy v12
HumanMaker reviewrole: credit_officer
HumanChecker approverole: branch_manager
ConnectNotify applicantSMS · Email

From event to outcome, in one flow

Follow a single loan application through an app built on Torus.

  1. API Fabric

    It lands on an API you generated

    The application arrives at POST /loan-applications, already validated against its Swagger contract.

  2. Data Fabric

    Data fills in what it needs

    Applicant, bureau score and KYC documents load into an in-memory dataset the moment the event fires.

  3. Process Fabric

    The process moves it, maker to checker

    Rules route it, a credit officer reviews it, a branch manager signs off. Every step is auditable.

  4. Integration Fabric

    It closes, and everyone is told

    The loan is sanctioned, the EMI is computed and the applicant gets an SMS and an email.

LA-20418Received

Loan application

Products built with Torus

Torus is the foundation behind Veracious, a suite of purpose-built financial platforms spanning the Global Payment Hub, Open Finance, Document Management and Automation.

Veracious

Global Payment Hub

A unified, multi-rail guaranteed payments platform streamlining domestic and cross-border transactions.

Bank-side railsRails with orchestration.
Digital payment railsPayment gateway and aggregator orchestration.
Instant paymentsReal-time, end-to-end processing for all payment flows, complying with payment market infrastructure requirements worldwide.
Cheque truncationImage-based clearing with bespoke, country-specific flows for central bank requirements.
EFT credit & debitBulk and individual transfers through domestic ACH and EFT, and automated mandate-based collections.
Cross-border paymentsInternational payments across major infrastructures and networks like SWIFT, Western Union and MoneyGram.
Real-time gross settlementInstant, irrevocable interbank transfers complying with central bank norms.
Standing ordersAutomates fixed and recurring payments.
Veracious

Compliance Platform

A universal platform supporting compliance automation for major ISO standards such as ISO 9001 and 27001, and SOC 2.

Veracious

Open Finance Platform

A robust, API-first platform to consume and expose APIs for monetisation and strategic integration, conforming to global open platform standards.

Payments

Mandate Management System

Digitises the debit mandate lifecycle.

Operations

Document Management System

Manages and archives every type of physical and digital document and information in an organisation.

Payments

Salary Engine

Automates payroll processing and disbursement via secure EFT and real-time rails, as per regulator compliance.

Business process reengineering & product development

Vertical-agnostic process automation through AI-enabled application development, the Torus way.

Services
Platinum partner Together with Global Software Solutions (TVL) Pvt. Ltd., India, Torus delivers a complete, regulator-aligned solution stack for any country’s compliance, covering payments infrastructure, open finance mandates, security, observability and enterprise-grade scalability.

Start from what your teams already run

Pick a starting point and Torus drafts the APIs, data, screens and workflow. Then make it yours.

₹12.4LHome loanApproved
₹3.2LPersonalChecker
₹48LMSMEMaker

Loan origination

Application to sanction with maker/checker and bureau checks.

PANDocumentVerified
AadhaarIdentityMatched
Video KYCLivenessScheduled

KYC onboarding

Capture, verify documents, score risk and activate accounts.

Matched1,284
Exceptions7
Variance₹0

Branch reconciliation

Import statements, auto-match, review exceptions, close the day.

Intake

Assess

Approve

Pay out

Insurance claims

Intake, assessment and payout with rules and an audit trail.

PO-3391RaisedPosted to SAP
PO-3392ApprovalFinance
PO-3393DraftVendor

Vendor payments

Purchase orders to ERP posting, with approvals in between.

Resolved212
Open18
Within SLA96%

Service desk

Log, assign and resolve customer requests across channels.

Deploy anywhere, in a click

The same app runs on any on-premise, cloud or hybrid environment. No rewrite between them, no dependency on one provider.

Runs inside your data centre, behind your firewall, on infrastructure you already own.

Your data centre
APIDataProcessUI
Any cloud
APIDataProcessUI

About us

Built by people who ship banking software

Torus Innovations is an R&D lab and platform organisation focused on offering Torus, the AI-enabled, event-driven, citizen-scale low-code app development platform. Through its global network of partners and platinum distributor Global Software Solutions, Torus creates domain-agnostic solutions in an accelerated fashion.

Know more about us
25years in business
150+dedicated professionals
Global footprintAPAC, EMEA and North America

Digitise your business and lead the market

Book a walkthrough with our team. Bring a process, leave with a working draft.

Book a demo Read the docs