[ Kontor / Pricing ]
Two ways to run your book on Kontor
License it like software, or lease it until you own it. Same platform, same evidence, two commercial shapes — because a fintech's CFO and a bank's board buy infrastructure differently.
License
Most common$0.40
per active account · per month · from
An annual platform subscription that scales with your book. Everything included, nothing to build.
Key terms include
- All four products: Ledger, Decision Engine, Agent Runtime, Console
- Jurisdiction packs for every market you lend in
- Volume tiers: the unit price falls as the book grows
- No per-decision, per-authorisation or per-agent-action fees
- Run in Kontor cloud — UK, EU or US region
- Continuous upgrades, with an annual platform minimum
Lease to Own
For institutions36–60
months of fixed instalments · then you own it
The same platform, paid as fixed instalments over an agreed term. At the end, the core is yours.
Key terms include
- Fixed monthly amount, set by book size at signing — capex-friendly
- Perpetual licence and source-code release at the end of the term
- Option to move into your own cloud at ownership
- Upgrades and jurisdiction packs included during the term
- Support and maintenance contract after ownership, at your option
- Buy-out clause to complete ownership early
* Illustrative figures, to be replaced with audited numbers
[ Side by side ]
The same platform. A different balance sheet.
| License | Lease to Own | |
|---|---|---|
| Commercial shape | Annual subscription | Fixed instalments over an agreed term |
| What you pay | Per active account per month, tiered by volume | A fixed amount per month, unchanged as the book grows |
| At the end of the term | Renew, or exit with a full data export | Perpetual licence and source-code release — stop paying licence fees |
| Deployment | Kontor cloud: UK, EU or US region | Kontor cloud, with the option of your own cloud at ownership |
| Upgrades | Continuous, included | Included during the term; support contract afterwards |
| Best for | Lenders who want opex and elasticity | Institutions whose boards require ownership of the core |
[ How pricing behaves ]
Priced so your incentives stay clean.
Accounts, not actions
One meter: active accounts
Everything included
No modules, no editions
Exit in the contract
Leaving is specified up front
[ FAQ ]
Questions buyers ask.
What counts as an active account?+−
An account with a non-zero balance or any activity in the billing month. Settled, charged-off and dormant accounts aren't counted, so a book in run-off gets cheaper, not more expensive.
What does Lease to Own actually transfer?+−
At the end of the term you receive a perpetual licence to the platform version you run, a source-code release from escrow, and the tooling to operate it — in our cloud or yours. Jurisdiction pack updates and new platform versions continue under a support contract if you want them.
Can we switch between the models?+−
License to Lease to Own: yes, at any renewal, with instalments credited for tenure. The reverse is rare but negotiable at term end.
Is migration charged separately?+−
Yes — discovery, parallel run and cutover are a fixed-price implementation, scoped after the discovery phase, so platform pricing stays comparable between lenders.
Do jurisdiction packs cost extra?+−
Your first market is included. Additional live markets add a flat platform fee per market, not a new per-account rate.
Is there a sandbox or pilot?+−
Every evaluation gets a sandbox with synthetic portfolios at no cost. Paid pilots on a sub-portfolio can be agreed as part of a migration plan.
Which currencies can we pay in?+−
GBP, EUR or USD, matching the contract's governing market.
Run your credit book on Kontor.
Bring a product spec or a portfolio extract. We'll show you how the ledger, decisions and agents would run it, and what your regulator would see.