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open-bank-oss JiRaska/open-bank-oss

Cloud-native, open-source retail banking platform reference implementation (Kotlin/Quarkus, Next.js, event-driven microservices).

https://open-bank.tech/ ↗
HEALTH 98 / Healthy
// hidden gem// funded// release machine argocdbankingfintechhexagonal-architecturekotlinkubernetesmicroservicesnextjsopen-bankingopentofu
06-2026 · today · JiRaska
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// readme

OpenBank

Cloud-native, open-source retail banking platform built on Kotlin + Quarkus, Next.js, and event-driven microservices — with governance, supply-chain security, and AI-agent operations baked in as code.

🌐 open-bank.tech — project site & live sandbox · 🖥️ admin.open-bank.tech — operator backoffice (Keycloak auth)

OpenBank is an early-stage, community-driven banking platform reference implementation. It demonstrates how a modern retail bank can be built with domain-driven design, hexagonal microservices, double-entry ledger accounting, PSD2 compliance, machine-enforced governance, and end-to-end observability.

⚠️ This project is NOT production-ready and is NOT licensed to operate as a bank. It is a software platform that someone with the appropriate banking licence and capital may deploy. Operating a real bank requires regulatory approval from your jurisdiction’s central bank.

ℹ️ Trademark notice. “OpenBank” is used here only as the name of this independent open-source project. It is not affiliated with, endorsed by, or connected to Santander’s “Openbank”, any other bank, or any…

↑ The Undervalued Score +

How much a project earns versus how much attention it actually gets. Above 50 means the work is outrunning its audience. Recomputed nightly from commit velocity, contributor effort, issue resolution, fork utility, release cadence, and project maturity — divided by a logarithmic reach factor.

score  = signal / reach

signal = 0.25·commit_velocity   // commits in last 90 days (cap 30)
       + 0.20·contributor_work  // unique authors × velocity (cap 100)
       + 0.20·issue_resolution  // closed ÷ total issues
       + 0.20·fork_ratio        // forks ÷ stars (proxy for real usage)
       + 0.10·release_cadence   // releases in 90 days (cap 3)
       + age_bonus              // +0 to +0.30 after 6 months
       + homepage_bonus         // +0.05 if homepage is set

reach  = log₁₀(stars + watchers + 10)█
♥ The Health Score +

Is the project alive and maintained right now? A 0–100 pulse recomputed nightly from commit recency, rhythm, how fast issues close, and how quickly PRs get merged.

health = 0.35·recency       // days since last commit (90d decay)
       + 0.25·cadence       // commit rhythm consistency
       + 0.20·issue_health  // closed ÷ total issues
       + 0.20·pr_health     // merged ÷ total PRs█
◷ Health bands +

The colour and label on every card come straight from the health score.

Healthy   80 – 100   active, responsive, regular releases
Stable    60 – 79    maintained, steady, no alarms
Quiet     40 – 59    slowing down — watch this one
At Risk    0 – 39    going dark · candidate for rescue█
// Tags — what each label means +

Tags are independent behavioral signals computed nightly. A project can hold multiple at once. They drive the home page sections.

solo_builder      one person holds > 80% of commits (last 180d)
needs_contributors has open "help wanted" or "good first issue" labels
hidden_gem        < 100 stars · active in last 3 months · documented
legacy_hero       repo > 5 years old · committed this year
fork_magnet       forks/stars > 0.5 · used as template or dependency
release_machine   5+ releases in the last 90 days
under_pressure    > 10 open issues · ≤ 2 contributors · health ≥ 60
community_watch   watchers > stars · devs tracking before the public
community_hub     GitHub Discussions enabled · > 20 discussions
funded            maintainer has active funding channel█
★ Why rank against stars at all? +

Stars are an outcome, not effort. A project with 8 stars and daily commits is doing more interesting work than one coasting on 8k. We measure the building, then divide by the attention already received — so the genuinely undervalued rise to the top.

// stars   = lagging indicator
// commits = leading indicator
// we rank by the leading one█