One core. Every product. Every channel.
BankQore is a modular core banking platform: product modules on a real-time double-entry ledger, wrapped in contract-first APIs and run as a multi-tenant cloud service.
How the pieces fit together
Channels talk to the same APIs your developers use. Products post to one ledger. Platform services — identity, approvals, configuration, audit — apply everywhere.
Describe this diagram
- Channels: customer web and mobile apps, the Bank Workspace, Teller, agents and USSD, partners.
- APIs: contract-first OpenAPI 3.1, AsyncAPI events, webhooks, FAPI 2.0 and SDKs.
- Products: accounts and deposits, lending, payments, cards, Product Factory, microfinance, risk and compliance, operations, treasury and trade.
- Ledger: real-time double-entry; multi-entity, multi-currency, end-of-day, reconciliation, IFRS 9.
- Platform: identity and RBAC, maker-checker, configuration, audit and alerts, notifications.
- Runs on: Kubernetes, PostgreSQL 17, keys you control (KMS, HSM, BYOK, HYOK), OpenTelemetry.
- Integrations hub: payment rails, card networks, KYC, bureaus, sanctions, messaging, ERP and SIEM.
Start with what you need
Core modules come with every plan. Add-ons switch on per environment, with their own entitlements and billing.
- ✓ Core
Accounts & deposits
Current and savings accounts, term deposits, wallets and virtual accounts, with NUBAN numbers issued instantly.
Learn more about Accounts & deposits - + Add-on
Lending & collections
Origination, schedules, repayments, restructuring and recovery, with IFRS 9 provisioning built in.
Learn more about Lending & collections - ✓ Core
Payments hub
NIP transfers with name enquiry, bulk and payroll, standing orders and mandates — reconciled automatically.
Learn more about Payments hub - ✓ Core
Product Factory
Design savings, loan and card products — rates, fees, limits, tax — and publish them after approval. No release needed.
Learn more about Product Factory - ✓ Core
Microfinance & groups
Group lending, centres, ajo and esusu contribution schemes, and field officers on the move.
Learn more about Microfinance & groups - ✓ Core
Risk & compliance
KYC tiers, BVN and NIN checks, sanctions screening, transaction monitoring and goAML reporting.
Learn more about Risk & compliance - + Add-on
Cards
Issuing, controls, authorisation, clearing and disputes, with card data in a separate PCI vault.
Learn more about Cards - ✓ Core
Operations & approvals
Maker-checker, cases and complaints, documents, statements, business calendar and data migration.
Learn more about Operations & approvals - ◷ 2028
Treasury & trade
Liquidity, FX revaluation, money markets, letters of credit and collections.
Learn more about Treasury & trade
Real-time, double-entry, always balanced
Every movement posts balanced entries the moment it happens. Balances in your apps are the balances in your books.
- Multi-entity, multi-currency and multi-GAAP
- End-of-day, month and year runs with a business calendar
- Automatic reconciliation against rails and partners
- FX revaluation and IFRS 9 provisioning
Controls that come with every module
Access, approvals, configuration and audit are part of the platform, so every new product inherits them.
- Role-based access with MFA, passkeys and staff SSO
- Maker-checker on configuration and money movement
- Runtime configuration and feature flags per environment
- Tamper-evident audit, session and communication logs
Engineering you can inspect
- OpenAPI version for every contract
- 3.1
- environments per tenant: sandbox, UAT, production
- 3
- message brokers to run — the outbox does it
- 0
- of operations declare their permissions
- 100%
Walk through the platform with us
We'll map your products and processes onto BankQore in one session.