The Core Banking Platform That Grows With You
Loans, savings, payments, GL accounting, regulatory compliance, and 3,790+ API endpoints — everything your financial institution needs, in one platform.
Free sandbox in minutes — go live after a quick review. No card required.
Everything Your Institution Needs
From loan origination to regulatory reporting — one platform, zero gaps.
Loan Management
Full lifecycle — origination, amortization, disbursement, collections, restructuring, write-off, provisioning, and commercial/syndicated lending.
Savings & Deposits
Current accounts, fixed deposits, rotational savings (Ajo), overdraft facilities, interest computation, and commodity-indexed savings.
General Ledger
Double-entry accounting with auto-posting, EOD batch processing, subledgers, subsidiary consolidation, and IFRS 9 ECL engine.
Digital Channels
USSD banking, card services, virtual bank accounts (NUBAN), QR code payments, and agent banking.
Payments & Transfers
NIBSS NIP/NEFT, SWIFT/RTGS, VAS (airtime/bills), IMTO payouts, cross-border Africa Trade Hub, and Alipay+/UnionPay channels.
AML/CFT & Compliance
Full AML engine — customer risk profiling, sanctions screening, transaction monitoring, CTR/STR auto-filing, beneficial ownership, and case management.
Cryptocurrency Services
Custodial wallets (BTC/ETH/USDT/USDC), fiat-to-crypto trading, FATF Travel Rule compliance, real-time price feeds, and portfolio P&L tracking.
Green Finance
Environmental impact tracking, carbon calculation, SDG alignment, green certification progress, and DFI-format reporting (GRI/IFC/PCAF).
HR & Payroll
Employee management, Nigerian PAYE compliance (7 brackets), pension, NHF, NHIS, salary advance, LMS training, and onboarding workflows.
Multi-Tenant SaaS
Row-level security, per-org configuration, 39+ roles with RBAC, institution-type feature gating, and white-label ready architecture.
Warehouse Receipt Finance
Commodity-backed lending against accredited warehouses, LTV monitoring, margin calls, NCR lien registration, and NIRSAL guarantee integration.
PCI DSS & ISO 27001
Controls tracking, risk assessment, incident lifecycle, encryption key rotation, vulnerability scanning, CDE scope mapping, and compliance calendar.
Mobile Banking App
Full-featured React Native app with 158 screens — account management, transfers, loan applications, savings, card controls, and biometric authentication.
Fraud Detection
Real-time risk scoring engine with 8 rule types, behavioral profiling, velocity checks, and ALLOW/CHALLENGE/BLOCK decisioning per transaction.
Group & Solidarity Lending
Group-based microfinance with cross-guarantees, shared repayment tracking, group savings pools, and automated peer accountability workflows.
Collections Management
Assignment workflows, field agent tracking with GPS, escalation rules, payment promise management, and real-time portfolio-at-risk dashboards.
Branch & Teller Operations
Cash management, vault operations with dual-control, teller limits, denomination tracking, branch reconciliation, and end-of-day balancing.
Supply Chain Finance
Anchor buyer onboarding, invoice discounting with 3-way verification, dynamic risk-based pricing, and CBN monthly returns.
Lease Financing
Full lease lifecycle with IFRS 16 depreciation engine, lease-to-export for agricultural off-takers, seasonal schedules, and commodity pricing.
Credit Scoring
Proprietary scoring engine with configurable weighted factors, credit bureau integration, risk classification, and automated decisioning rules.
Investment & Crowdfunding
Full proposal-to-payout lifecycle with investor portfolios, ROI tracking, funding progress, industry risk multipliers, and multi-tier investor profiles.
Fund Management
Managed funds with NAV tracking, client portfolios, subscription/redemption workflows, high-water mark performance fees, and dividend distribution with WHT.
Guarantee Bonds
Bid, performance, advance payment, customs, and retention guarantees with claims management, recovery tracking, and CBN off-balance-sheet reporting.
Predictive Analytics & AI
AI-powered revenue forecasting, loan volume predictions, portfolio health forecasts, anomaly detection, and what-if scenario analysis.
Go Live in 3 Steps
From sign-up to production in weeks, not months.
Choose Your Institution Type
Select from 16 CBN-recognized institution types — MFB, finance company, cooperative, mortgage bank, and more. The platform auto-configures required modules and compliance rules.
Configure Your Modules
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.
Go Live
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.
Our Products
Purpose-built solutions for African financial institutions.
FinovaMax Core Banking
Complete core banking system for financial institutions — loans, savings, GL, teller operations, regulatory reporting, and 540+ database entities powering every aspect of your institution.
- Loan lifecycle & commercial lending
- Double-entry GL with auto-posting
- NIBSS NIP/NEFT, SWIFT/RTGS, VAS, cards
- 39+ user roles with RBAC
- Full CBN, NFIU, NDIC compliance
- Crypto services, green finance, AML/CFT
TradeBank
Purpose-built banking for Nigeria's informal market trader economy — daily contributions, working capital loans, inventory-backed lending, and trade-specific credit scoring.
- Daily contribution collection system
- 7-30 day working capital loans
- Trade-specific credit scoring (5 factors)
- USSD banking & bulk CSV onboarding
- Market association management
CBN Examination Readiness Portal
Standalone SaaS for any MFB to assess CBN examination readiness, generate regulatory returns, and track compliance scores — no core banking migration required.
- CAMELS+ readiness scoring
- 15 regulatory return generators
- Compliance gap analysis
- Examination preparation toolkit
- Subscription billing
SmartSave & Grow
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.
- AI Nudge & Auto-Sweep engine
- Salary splits & round-up savings
- Diaspora Joint Fixed Deposits
- Gold/Silver/Agri-indexed savings
- Prize-Linked Savings (fair draw)
Integrated With the Best
Pre-built connectors to Nigeria's core financial infrastructure and global payment rails.
Payments & Processing
- Paystack
- Flutterwave
- Interswitch
- Alipay+
- UnionPay
Banking Infrastructure
- NIBSS (NIP/NEFT)
- SWIFT / RTGS
- VFD MFB
- Wema Bank
- Providus Bank
Cross-Border & Africa
- AZA Finance
- Onafriq
- Cellulant Tingg
Crypto & Commodities
- Yellow Card
- Quidax
- AFEX
Built for Developers
Integrate your systems with FinovaMax through our production-ready Public API.
Public API Service (B2B)
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.
- 9 Data Modules Loans, Borrowers, Payments, Savings, Collections, Credit Scoring, Credit Check, Organizations, Applications
- Webhooks HMAC-signed delivery with exponential backoff retry and event subscriptions
- Two Access Tiers tenant:own-data (full access) and third-party:query (masked BVN/NIN)
- Security First SSRF prevention, constant-time key validation, rate limiting, tenant isolation, and full audit logging
# 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 }
}Enterprise-Grade Security
Bank-level protection at every layer — from data at rest to API transit.
AES-256-GCM Encryption
Versioned AES-256-GCM encryption with automated key rotation across 130+ columns and 40+ tables. Implements PCI DSS 3.6.3 key-rotation requirements.
TOTP Two-Factor Auth
Authenticator app-based 2FA with backup codes, per-institution enforcement, anti-replay protection, and role-based mandates.
Immutable Audit Trail
Hash-chain audit log for every action. Full traceability with IP, user agent, and timestamp — tamper-proof by design.
PII Log Sanitizer
Automatic masking of BVN, NIN, PAN, and JWT tokens in all log output. No sensitive data leaks to monitoring systems.
Session Idle Timeout
Session management to PCI DSS 8.1.8 idle-timeout requirements: configurable timeout, JWT rotation, and account lockout policies.
SSRF & Injection Prevention
Constant-time key validation, rate limiting, tenant isolation, CSRF double-submit cookies, and HMAC-SHA256 API authentication.
NDPA Data Subject Rights
NDPA §§34–38 workflows for access, restriction, and objection requests — routed to an operator queue and enforced in downstream queries so withdrawn-consent records stay out of reports.
Breach Incident Registry
NDPA §40 incident workflow with a built-in 72-hour NDPC notification deadline tracker, severity scoring, affected-records counting, and resolution timeline in one dashboard.
DPO & Sub-Processor Registry
NDPA §32 / §44 DPO & NDPC registration records (registration number, appointment date) and sub-processor disclosure tracking per tenant — privacy-notice ready out of the box.
Regulatory Compliance, Built In
Not bolted on. Every CBN, NFIU, NDIC, and FIRS requirement is native to the platform.
FinovaMax is engineered against PCI DSS v4.0 and ISO 27001:2022 control standards today. Our formal QSA-led audit and certification path is co-timed with our founding customer's go-live: your production environment becomes the certified reference architecture for our public certification statement. This is how serious banking-platform vendors move from implementation to audit — and it ensures the certification is grounded in real, production-validated controls.
Most-read entries from our compliance library:
BOFIA 2020 §19 — Insider Lending · CBN Data Localisation (2027) · IFRS 9 — Expected Credit Loss · NDPA / NDPR — Data Subject Rights · Single Obligor Limit
Become a FinovaMax Agent
Earn lifetime commission introducing banks, microfinance institutions and cooperatives to FinovaMax. You bring the relationships — we power the platform.
Lifetime Commission
Earn a recurring percentage for as long as the institution you introduced keeps its subscription — at the rate you agree per signed proposal.
Marketing Toolkit
Pitch decks, flyers, scripts and a discovery questionnaire — everything you need to present FinovaMax professionally.
Live Demo Environments
Spin up a clean, private demo tenant for a prospect in minutes, so they can try FinovaMax with their own data.
Guided Onboarding & Knowledge Base
Learn the product, pass a short knowledge check, then sign your agreement — all online. We make sure you can speak about FinovaMax with confidence.
Official Agent ID
On completing onboarding you become an official FinovaMax agent with your own Agent ID — your proof of authenticity.
Real Support
A dedicated agent portal, a Telegram community, and a team that wants you to win.
Coming soon: anyone will be able to verify an Agent ID here to confirm a genuine FinovaMax agent — your safeguard against impersonation and fraud.
Ready to Modernize Your Institution?
Join the next generation of digitally-native financial institutions in Africa.