Loans, savings, payments, GL accounting, regulatory compliance, and 3,522+ 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.
Full-featured React Native app with 158 screens — account management, transfers, loan applications, savings, card controls, and biometric authentication.
Real-time risk scoring engine with 8 rule types, behavioral profiling, velocity checks, and ALLOW/CHALLENGE/BLOCK decisioning per transaction.
Group-based microfinance with cross-guarantees, shared repayment tracking, group savings pools, and automated peer accountability workflows.
Assignment workflows, field agent tracking with GPS, escalation rules, payment promise management, and real-time portfolio-at-risk dashboards.
Cash management, vault operations with dual-control, teller limits, denomination tracking, branch reconciliation, and end-of-day balancing.
Anchor buyer onboarding, invoice discounting with 3-way verification, dynamic risk-based pricing, and CBN monthly returns.
Full lease lifecycle with IFRS 16 depreciation engine, lease-to-export for agricultural off-takers, seasonal schedules, and commodity pricing.
Proprietary scoring engine with configurable weighted factors, credit bureau integration, risk classification, and automated decisioning rules.
Full proposal-to-payout lifecycle with investor portfolios, ROI tracking, funding progress, industry risk multipliers, and multi-tier investor profiles.
Managed funds with NAV tracking, client portfolios, subscription/redemption workflows, high-water mark performance fees, and dividend distribution with WHT.
Bid, performance, advance payment, customs, and retention guarantees with claims management, recovery tracking, and CBN off-balance-sheet reporting.
AI-powered revenue forecasting, loan volume predictions, portfolio health forecasts, anomaly detection, and what-if scenario analysis.
From sign-up to production in weeks, not months.
Select from 16 CBN-recognized institution types — MFB, finance company, cooperative, mortgage bank, and more. The platform auto-configures required modules and compliance rules.
Enable the products you need — loans, savings, payments, GL, cards, crypto, green finance. Each module comes pre-wired with CBN-compliant GL mappings and workflows.
Onboard your staff with role-based access (39+ roles), import existing data with our migration utilities, and start serving customers across web, mobile, and USSD channels.
Purpose-built solutions for African financial institutions.
Complete core banking system for financial institutions — loans, savings, GL, teller operations, regulatory reporting, and 419 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.
AI-powered savings intelligence — auto-sweep, salary splits, round-ups, diaspora joint FDs, commodity-indexed savings, and prize-linked savings with a cryptographic draw engine.
Pre-built connectors to Nigeria's core financial infrastructure and global payment rails.
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 }
}Bank-level protection at every layer — from data at rest to API transit.
Versioned encryption with automated key rotation across 130+ columns and 40+ tables. PCI DSS 3.6.3 compliant.
Authenticator app-based 2FA with backup codes, per-institution enforcement, anti-replay protection, and role-based mandates.
Hash-chain audit log for every action. Full traceability with IP, user agent, and timestamp — tamper-proof by design.
Automatic masking of BVN, NIN, PAN, and JWT tokens in all log output. No sensitive data leaks to monitoring systems.
PCI DSS 8.1.8 compliant session management with configurable idle timeout, JWT rotation, and account lockout policies.
Constant-time key validation, rate limiting, tenant isolation, CSRF double-submit cookies, and HMAC-SHA256 API authentication.
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.