The Kernel , which is the mandatory component of Vault is responsible for a range of key activities

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Customer and Internal Account Management.

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Storage of Products as Smart Contracts.

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Managing and executing the schedules of financial products.

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Using Flags and Restrictions to modify account behaviour

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Cross Product pricing and other cross product functionality using Supervisor Contracts.

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Managing the Calendar Service.

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Running an audit service to capture incoming API requests

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The Kernel is made up of five key APIs

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The Core API which is used for most account management and product management activities, this will typically integrate with the various channels of the bank and other bank systems

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The Postings API is the single point of contact for all payments integrations into Vault.

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The Data Loader API is used to migrate data from legacy systems onto Vault.

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The Audit API provides a comprehensive audit system monitoring incoming API calls and their results

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And finally the Access API facilities the management of employee roles and permissions on the Vault system.