Loans, savings, payments, GL accounting, regulatory compliance, and 3,299+ API endpoints — everything your financial institution needs, in one platform.
From loan origination to regulatory reporting — one platform, zero gaps.
Full lifecycle — origination, amortization, disbursement, collections, restructuring, write-off, provisioning, and commercial/syndicated lending.
Current accounts, fixed deposits, rotational savings (Ajo), overdraft facilities, interest computation, and commodity-indexed savings.
Double-entry accounting with auto-posting, EOD batch processing, subledgers, subsidiary consolidation, and IFRS 9 ECL engine.
USSD banking, WhatsApp Business, card services, virtual bank accounts (NUBAN), QR code payments, and agent banking.
NIBSS NIP/NEFT, SWIFT/RTGS, VAS (airtime/bills), IMTO payouts, cross-border Africa Trade Hub, and Alipay+/UnionPay channels.
Full AML engine — customer risk profiling, sanctions screening, transaction monitoring, CTR/STR auto-filing, beneficial ownership, and case management.
Custodial wallets (BTC/ETH/USDT/USDC), fiat-to-crypto trading, FATF Travel Rule compliance, real-time price feeds, and portfolio P&L tracking.
Environmental impact tracking, carbon calculation, SDG alignment, green certification progress, and DFI-format reporting (GRI/IFC/PCAF).
Employee management, Nigerian PAYE compliance (7 brackets), pension, NHF, NHIS, salary advance, LMS training, and onboarding workflows.
Row-level security, per-org configuration, 39+ roles with RBAC, institution-type feature gating, and white-label ready architecture.
Commodity-backed lending against accredited warehouses, LTV monitoring, margin calls, NCR lien registration, and NIRSAL guarantee integration.
Controls tracking, risk assessment, incident lifecycle, encryption key rotation, vulnerability scanning, CDE scope mapping, and compliance calendar.
Purpose-built solutions for African financial institutions.
Complete core banking system for financial institutions — loans, savings, GL, teller operations, regulatory reporting, and 380 database entities powering every aspect of your institution.
Purpose-built banking for Nigeria's informal market trader economy — daily contributions, working capital loans, inventory-backed lending, and trade-specific credit scoring.
Standalone SaaS for any MFB to assess CBN examination readiness, generate regulatory returns, and track compliance scores — no core banking migration required.
Integrate your systems with FinovaMax through our production-ready Public API.
A standalone NestJS service with HMAC-SHA256 authentication, 17 granular scopes, webhook subscriptions, and metered usage tracking — purpose-built for partner banks, fintechs, and third-party integrations.
# Authenticate with HMAC-SHA256
curl -X GET https://publicapi.finovamax.com/v1/loans \
-H "X-API-Key: fmx_live_your_key" \
-H "X-Signature: hmac_sha256_sig" \
-H "X-Timestamp: 1711929600"
# Response
{
"data": [
{
"loanId": "a1b2c3d4-...",
"principalAmount": 500000,
"currency": "NGN",
"status": "ACTIVE",
"disbursementDate": "2026-03-15",
"amortizationSchedule": "/v1/loans/a1b2c3d4/schedule"
}
],
"meta": { "page": 1, "total": 42 }
}Not bolted on. Every CBN, NFIU, NDIC, and FIRS requirement is native to the platform.
Join the next generation of digitally-native financial institutions in Africa.