Wallets & ledgers
Double-entry ledgers where every kobo has a story. Balances that reconcile themselves, nightly and on demand.
- Double-entry
- Reconciliation
- Audit trails
HOME ▸ INDUSTRIES ▸ FINANCE
Building smarter financial
solutions for a better tomorrow.
Wallets, lending, collections and agent networks — engineered with the auditability regulators want and the speed your users expect.
SEC.03 // WHAT WE BUILD FOR FINANCE
Money software, done properly.
Collections & disbursements
Paystack/Flutterwave rails, bank transfers, USSD fallbacks and bulk payout queues with retry logic.
Payment integrations →Lending & scoring
Application flows, document capture, scoring hooks and repayment dashboards — built for CBN-aligned operations.
Scope a lender →KYC / AML flows
BVN/NIN verification, tiered onboarding, sanctions screening hooks and consent management under NDPR.
Compliance systems →Agent networks
Agent apps, float management, commission engines and territory dashboards for last-mile finance.
Agent mobile apps →Customer portals
Statements, cards, disputes and support — self-service that cuts call-centre volume by a third.
Portal craft →SEC.04 // TRUST ENGINEERING
Security isn’t a feature. It’s the foundation.
Every fintech build ships encrypted at rest and in transit, with immutable audit logs, role separation, secret rotation and pen-test-ready documentation your CISO (or your regulator) can read.
- NDPR-aligned
- PCI-DSS-aware architecture
- AES-256 at rest
- Immutable audit log
- 2FA / OTP flows
- Fraud rules engine
0₦ processed via our builds
0Fraud-related breaches to date
0Transactions with audit trail
0Platform uptime
KoboPay — collections that reconcile themselves
Merchant dashboard with automated reconciliation across cards, transfers and USSD — 3 days of monthly matching became 20 minutes.
₦2.8B processed“Reconciliation that took my team 3 days now runs in 20 minutes. The audit log has answered every regulator question so far — before it was asked.”Tunde Bello · CEO, KoboPay
SEC.06 // GET STARTED
Let’s build the smarter financial solution.
Compliance-aware architecture from the first sketch. NDA signed before you share anything.