Cryptomathic OBSIDIAN Card Issuer Platform is a software-based card issuance solution designed for financial institutions and payment card issuers. It handles the secure personalization and issuance of payment cards, including EMV chip cards and digital payment credentials. The platform manages the cryptographic processes required for card personalization, including the generation and management of card keys, PIN generation and distribution, and the secure delivery of card data. It supports both physical card issuance and digital/virtual card issuance workflows. OBSIDIAN is built around a security-first architecture, using hardware security modules (HSMs) to protect sensitive cryptographic operations. It enables issuers to comply with payment industry security standards such as PCI DSS and EMV specifications. Key functional areas include: - Card data personalization and script generation - Secure PIN management and distribution (PIN mailers, PIN SMS, PIN online) - EMV chip card issuance - Mobile and digital credential issuance - Key management for card issuance operations - Integration with card bureau and personalization bureau workflows - Support for multiple card schemes and payment networks The platform is designed for use by banks, payment processors, and card bureaus that need a scalable, standards-compliant infrastructure for issuing payment credentials both physically and digitally.