Opyn Universe is Opyn's proprietary platform, at the heart of our digital financial services. Opyn Universe lets us provide banking as a service: our software allows our customers to leverage innovative financial services that do not require a banking license. Our platform is based on a high-performance database capable of automating a large number of processes, depending on which financial service has been configured. This means that human operators can focus on the tasks they are truly needed for. In fact, time is a determining factor, and asynchronous services mean that timely responses are guaranteed. Using web services and APIs, it has become possible to integrate a great many external sources in a fast and agile way.