Core Banking & Mobile Money for Africa
Two products, one platform — full-service core banking with ID.Banking and accessible mobile money with Nav.Wallet.
Our Products
Choose a product to review its capabilities, architecture, and investment potential.
Executive Summary
Market positioning, the gap being addressed, and target client segments for the ID.Banking core banking platform
- Self-hosted core banking for Africa
- BIAN-compliant modular architecture
- 8+ integrated payment rails
- Zero vendor lock-in
Core Capabilities
Full-stack banking engine with Ledger, Payments, Lending, Cards, Treasury, FX, Fraud, Warehouse, and Open Banking Gateway modules
- Double-entry immutable ledger
- 8+ African payment rails
- Real-time fraud detection
- Multi-currency treasury
Payment Rails
Pan-African payment coverage spanning real-time clearing, cross-border settlement, and mobile money across 15+ markets
- 7+ integrated payment rails
- Real-time settlement under 10 seconds
- Pan-African cross-border via PAPSS
- Mobile money reaches 400M+ wallets
API Marketplace & BaaS
Developer portal, embeddable widget ecosystem, API monetization, and Open Banking Gateway powering banking-as-a-service
- 200+ RESTful API endpoints
- Embeddable banking widgets
- Revenue-sharing monetization
- PSD2 & FSCA Open Banking compliant
Competitive Positioning
How ID.Banking differentiates against Temenos, Thought Machine, Mambu, 10x, Tuum, and Fineract in the African core banking market
- Self-hosted with full source access
- Africa-first with 8+ native payment rails
- BIAN-compliant service domain architecture
- Full-stack platform, not best-of-breed assembly
- Multi-jurisdiction wallet portability via configuration
Regulatory Compliance
Built-in South African regulatory reporting — FinSurv/BoP, SARB BA returns, IFRS 9, POPIA, and jurisdiction-portable compliance framework
- FinSurv/BoP reporting built into payment flows
- SARB BA returns with automated data extraction
- IFRS 9 expected credit loss staging
- POPIA-compliant with data residency controls
- Jurisdiction portability in 2–4 weeks
Technology Stack
Modern, cloud-native architecture built on .NET 10, PostgreSQL, Angular, Docker/Kubernetes, event sourcing, and BIAN-aligned service domains
- .NET 10 high-performance runtime
- PostgreSQL with read replicas
- Event sourcing immutable audit trail
- BIAN-aligned service domains
Roadmap
Platform delivery timeline showing completed, in-progress, and planned capabilities across the ID.Banking ecosystem
- 11 core modules delivered
- 1 module in active development
- 1 capability planned for next phase
Integration Architecture
Platform integration landscape showing how ID.Banking connects to external payment processors, fraud engines, sanctions screening, card networks, and notification channels
- Facade/adapter pattern for all integrations
- Card issuing via processor-agnostic adapter
- Push provisioning to Apple Pay & Google Pay
- Real-time authorization with sub-2s SLA
Nav.Wallet Overview
Mobile money wallet for Africa — P2P transfers, agent networks, multi-channel access, and tiered KYC powered by ID.Banking
- M-Pesa-style mobile money
- USSD, WhatsApp & mobile app
- Agent network with float management
- Tiered KYC for progressive access
Wallet Channels
Multi-channel access via mobile app, USSD for feature phones, and WhatsApp conversational banking
- Mobile app with eBucks theme
- USSD for feature phone users
- WhatsApp conversational interface
- Consistent API across all channels
Agent Network
Hierarchical agent network for cash-in/cash-out operations with float management, commissions, and real-time monitoring
- Super-agent / sub-agent hierarchy
- Real-time float management
- Automated commission calculation
- Dedicated agent portal
KYC & Compliance
Tiered KYC system with biometric selfie verification, liveness detection, progressive transaction limits, and regulatory compliance for mobile money
- 3-tier progressive KYC
- Biometric selfie + ID verification
- Active liveness detection (anti-spoofing)
- Configurable transaction limits
- Real-time fraud detection
- Sanctions screening on large transfers
Value-Added Services
Airtime purchases, bill payments, and biller integrations available directly from wallet balance
- Instant airtime purchases
- Bill payments (electricity, water, DSTV)
- Auto-reversal on failure
- Extensible biller registry
Wallet Architecture
System architecture, integration landscape, and data flow diagrams for Nav.Wallet — showing how channels, services, and external providers connect
- Layered service architecture
- Adapter pattern for all external integrations
- Circuit breaker resilience
- Environment-driven feature flags
- CILedger as single balance authority