Fintech Solutions.

MTN MoMo Open API, Vodafone Cash and AirtelTigo in Ghana; M-Pesa Daraja in Kenya and Tanzania; Airtel Money across multiple markets; and the major aggregators (Flutterwave, Paystack, Hubtel, Cellulant) when you need a single integration covering several rails. We design the abstraction layer so adding new rails doesn't require rewriting business logic, which matters when AfCFTA-driven expansion takes you across borders.

We design for minimal scope. Cardholder data flows through a tokenization service (Stripe, Adyen, Stitch, or a certified local processor) so your application servers never see PANs. We document the data flow, segment networks, run quarterly ASV scans where required, and prepare evidence for SAQ-D or full ROC audits depending on transaction volume. The fastest way to pass PCI is to handle as little card data as possible.

Every state-changing transaction requires a client-generated idempotency key, persisted in a dedicated table with a unique constraint. Retries with the same key return the original result rather than re-executing. We use the outbox pattern for downstream events, so a successful database write is the single source of truth, and ledger entries are append-only with double-entry accounting. Mobile money networks retry aggressively - your system must be deterministic about what counts as 'paid'.

We integrate tiered KYC (BoG Tier 1, 2, 3 in Ghana, equivalents in other markets) via providers like Smile Identity, Youverify, Trulioo and Onfido, with biometric capture, document OCR, sanctions screening and PEP checks. AML transaction monitoring is rule-based plus risk-scoring for SAR generation. We don't build the AML model from scratch - we integrate ComplyAdvantage, Sumsub or similar where the workload justifies, because regulators expect known frameworks.

Yes. AfCFTA opens the door but the infrastructure underneath is still fragmented. We design corridors via PAPSS, Onafriq (formerly MFS Africa), Cellulant, or direct rail integrations depending on settlement times, FX cost and licensing. We handle multi-currency ledgers, FX hedging integration, settlement reconciliation, and the regulatory reporting required by BoG, CBN and BCEAO. Cross-border is hard - we are honest about which corridors work today and which are still aspirational.

In Ghana: BoG Payment Service Provider license tiers, Data Protection Commission registration. In Nigeria: CBN PSSP, MMO, PSB or Switching license depending on the model, plus NDPC registration. In Kenya: CBK PSP plus ODPC. Each has different capital, governance and reporting requirements. We help you map the right license to the product before you build, because retrofitting a different regulatory framework after launch is brutally expensive.

Layered defense: device fingerprinting at signup, velocity rules at transaction time, ML scoring (custom or via providers like Sift and Featurespace) for medium-risk decisions, and human review for high-value cases. We instrument false-positive rate as a primary metric because over-blocking destroys customer experience and revenue. The right setup depends on your fraud loss tolerance and unit economics - we tune the system to your specific risk appetite.

If you need a market-maker, blockchain settlement layer or pure crypto-native exchange, you'll want a specialist crypto firm. If you're a regulated bank looking to replace your core banking system, you need a Temenos or Flexcube specialist. We are the right partner for embedded finance, mobile-money-native products, payment orchestration, lending platforms and challenger-bank products built on African rails.