ID.Banking Platform

Self-hosted, BIAN-compliant core banking built for African markets. Explore each capability area below to understand the platform's architecture, integrations, and competitive positioning.

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