Unit21 has formed a partnership with Corelation, the core processing company behind KeyStone, to give credit unions a single environment for spotting, investigating, acting on and reporting financial crime.
The integration works in two directions. Member, account, card and transaction records move from KeyStone into Unit21, where they feed detection and investigation work.
Analysts can then respond inside KeyStone through Corelation’s KeyBridge API, freezing cards, halting payments and applying holds while remaining within the case they are reviewing.
Until now, credit union staff have often had to bridge this divide manually. An analyst might identify suspicious activity in one tool, then switch to the core system, search for the member a second time and re-enter account details before any protective step could be taken. Under the new arrangement, evidence, decisions and actions sit together on one record, and an audit log is generated at the point the analyst responds.
Both customer bases stand to gain. Credit unions running on Corelation can bring their core data into an AI-native platform covering fraud prevention, AML transaction monitoring, case management and regulatory filing, supported by a data feed that Corelation itself builds and maintains.
Meanwhile, Unit21 clients already using KeyStone can trigger card blocks, card activations, stop payments and cheque holds from within a Unit21 case, with each request, response and user action recorded next to the supporting evidence.
On the technical side, Corelation provides a dedicated Unit21 AML Extract, which each credit union’s own administrator or data team configures within its KeyStone environment. Following an initial load of historical data, the extract pushes incremental updates covering entities, joint account holders, accounts, cards and transactions roughly every five minutes, giving Unit21 a near real-time picture of member behaviour.
Unit21 applies the credit union’s self-service rules and AI Agents to this data and routes any required response back to KeyStone via KeyBridge. Credit unions may also link their digital banking platform to Unit21 to make real-time decisions on logins, profile changes and payments.
Corelation serves more than 300 credit union clients with a person-centric core, while Unit21 contributes a flexible detection platform. Combined, the firms aim to create one defensible workflow running from a suspicious transaction through investigation and account protection to the filing of a SAR or CTR.
The deal underlines Unit21’s wider commitment to the credit union and community banking market. The company will also attend and sponsor the Corelation Executive Forum next week in Chula Vista, California.
Unit21 CEO Tyler Allen said, “Fraud moves at the speed of real-time payments, and credit unions can’t fight it with next-day files and a second login. Together with Corelation, we’re giving credit unions a way to catch fraud, stop it in the core, and file on it, all from a single case. That means fewer dollars lost, fewer members harmed, and fraud teams that finally get ahead instead of cleaning up.”
Corelation chief revenue officer Tim Maron said, “Our clients choose KeyStone because it puts the member at the center of everything. Partnering with Unit21 extends that to fraud and BSA, giving credit unions a modern way to protect members and act on risk directly from their investigations.”
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