Why this matters: Your core, treasury, and custody systems stay. 4orm composes above them.
Bounded integrations, not rip-and-replace
4orm is being designed as a settlement layer above existing payment rails (SWIFT, Lynx, Real-Time Rail, Interac). Those rails keep running.
Issuers, custodians, KYC vendors, and banking adapters are bounded integration domains under platform governance - swappable, not authoritative over the canonical record.
Your bank still issues deposits. Your custodian still holds assets. Your CAMLO still reports.