Fintech software
Payment software that holds up when money is moving
Wallets, lending platforms, savings groups and payment gateways for East African markets, where mobile money comes first and a failed transaction costs trust.
The hard parts
What makes fintech different
Mobile money is asynchronous
A payment prompt can be approved minutes later, or never. Your system has to hold a clear state for every transaction and recover from timeouts without charging anyone twice.
Reconciliation decides who is right
Provider statements, your ledger and your bank will disagree. Without daily automated reconciliation, those differences become a monthly crisis for your finance team.
Fraud moves faster than support
SIM swaps and account takeovers call for velocity limits, device checks and step-up verification, designed in from the start and not added after the first incident.
Regulation shapes the product
Licensing, customer verification and data rules affect your architecture. They are far cheaper to design for than to retrofit.
What we build
Products for this sector
Wallets and payment apps
Double-entry ledgers, transaction history, limits and statements on iOS, Android and USSD.
Payment gateways
One API over MTN MoMo, Airtel Money and cards, with idempotent requests and signed webhooks.
Lending platforms
Applications, scoring rules, disbursement, repayment schedules and collections.
Savings group tools
Digital records and member contributions for SACCOs and village savings groups.
Works with
Designed around
- National Payment Systems Act, 2020
- Data Protection and Privacy Act, 2019
- Audit trails on every balance change
- Role-based staff access
Common questions
Yes. We put them behind one internal payment interface, so your product code does not change when you add or switch a provider.
We are engineers, not lawyers. We build to the requirements your legal and compliance advisers set, and we provide the technical documents they ask for.