Deliver modern financial services from onboarding to transactions within your mobile app, with the UNIFOS Super SDK in the app you already have or as a Standalone App in your brand.
Unified Financial Operating System for Banks
One Platform, Multiple Retail Banking Services
Digital account onboarding and management, with integrated KYC and soft token authentication
Instant issuance of virtual debit, credit and prepaid cards with Instacard
Accounts linked to the customer’s verified mobile number for easy fund transfers
One payment platform for QR payments, bank transfers, inflows and merchant collections
The Standalone App on BALANCE core banking for microfinance banks and fintechs; the Super SDK on your own core, through IMS, our on-premises Institution Management System, for commercial banks
One Account Platform for Consumers and Merchants
Your teams run every account from the Partner portal: products, pricing, limits and fees in one view. Each change goes live only after a second person approves it.
Digital Accounts for Individuals and Businesses
Loan Accounts and Credit Lifecycle Management
Prepaid and Credit Card Accounts
Reward Points and Redemption Accounts
Open Accounts in Minutes on your own Core or on BALANCE Core
Customers open an account in the app, with no branch visit. You choose where each account lives.
Super SDK · Commercial banks
Your own Core or BALANCE Core, side by side
You keep your core. IMS in your data centre connects it to UNIFOS. You decide which options the customer sees.
- One check in the app to KYC Level 1: BVN or NIN, liveness, face match and phone OTP
- On your own core: the verified identity reaches your core by API, and your core opens the account
- On BALANCE core: a real account in your bank’s name, opened at once
- The customer sees where the account will live before confirming
Standalone App · Microfinance banks and fintechs
BALANCE underneath, from day one
Every account runs on BALANCE core banking, in your own mobile app and online banking.
- KYC in the app, with levels the customer climbs alone
- Personal and business accounts on one core
- Each account ready to fund the moment it opens
- Your name and brand on every screen
Every Account in One Place
My accounts gives each customer one home for every account they hold with you, without touching your core banking system.
Your own core and BALANCE core, together
Accounts on your own core are listed next to new accounts on BALANCE core.
Refresh my accounts
One tap fetches any account opened on your own core since the last refresh.
One home for everything
Add an account, Add Money, transfers, bills, statements and history, for personal and business accounts.
Your bank only
Each customer sees only your bank’s accounts. Nothing is shared with another bank.
Everyday Banking That Stays With You
Customers get the payments they make every day, in your app and on your books.
01
Transfers
To any bank, from an account on your own core or on BALANCE core.
02
Add Money
Customers fund their accounts from any bank.
03
Bills and airtime
Airtime, data, electricity, TV, internet and more. Cashback goes back to the account that paid.
04
Save
Savings accounts open in minutes and are ready to fund at once.
05
Statements and history
Each account’s statement and full history, any time in the app.
06
Business accounts
Owners run the business from the same app. Sales taken with Accepto land in the business account.
Behind the screen
Your core in every payment
For accounts on your own core, IMS holds, captures or releases funds through your posting service.
One instruction per payment
Sender and receiver move together, with no gap between debit and credit.
Instant on the platform
Payments between accounts on the platform settle at once, in a closed loop. Other banks are paid by NIP.
Checked as it happens
Sonar checks every payment before it books.
All-in-One Account Infrastructure for Cards, Lending and Loyalty
Digital Accounts
Prepaid Card Accounts
Credit Card Accounts
Loan Accounts
Reward Points Accounts
Redemption Accounts
Fund Transfers
Digital Payments
Collections and Settlement
Add Money
Spending
Card Controls
Card Statements
Card Statements
Limit Management
Overdue Collections
Card Controls
Spending
Repayments
Loan Repayments
Loan Disbursement
Overdue Collections
Loan Statements
Points Statement
Tailored Loyalty Programme
Earn Points
Spend Redeemed Value
Redeem Points
Partner portal
Your Book, Your Products, Your Controls, Your Compliance
Your operations and compliance teams run BALANCE from the Partner portal: customers, accounts, ledger, reconciliation and compliance in one view.
Customers and accounts
Find any customer and account, with statements and full history.
Products and fees
Set deposit products, limits and fees for every account type.
A ledger that ties
Trial balance, journal and control accounts tied every day.
Reconciliation and settlement
Reconciliation and the settlement hub in one place, tied every day.
Compliance dashboard
Regulatory returns and compliance reports, generated on the platform and ready to file.
Maker-checker and portal PIN
Every change waits for a second approver, and each request is signed with the UNIFOS portal PIN, before it goes live.
Lasting Value for Banks Across Africa
More accounts, sooner. Customers open them in minutes from the app, with KYC they complete on their own.
Deposits stay with you. Customers move money from your app, so balances and fee income stay at your bank.
No core to replace. Commercial banks keep theirs. Microfinance banks and fintechs never need to buy one.
Room to grow. Cards, loans and points run on the same platform, so each customer does more with your bank.
Explore Other Products
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Accepto · Merchant Acceptance
- SoftPOS for contactless payments
- POS terminals
- Payment links and online checkout
- Digital business accounts for settlement
- Instacard · Virtual & Universal Cards
- Virtual and physical card issuance
- Debit, credit, prepaid and gift cards
- Universal card
- Dynamic CVV for online payments
- Contactless payments with virtual cards
- Ace · AI Credit Exchange
- Three-way underwriting with an AI Checker
- Loan and credit card origination
- Portfolio management
- Collections and repayments
- DTS · Dual Transaction Service
- Virtual credit cards
- Credit on existing debit cards
- Collections and repayments
- Dynamic limit management
- Fundu · Agency Banking
- Cash deposits and withdrawals
- Bills, airtime and data
- Universal card pick-up
- Verified agents only
- Verifyed · KYC & Soft Token
- KYC management
- Liveness detection and face match
- BVN, NIN and ID verification
- Business and address verification
- Soft token issuance for 2FA
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
Frequently Asked Questions
Customers open digital accounts directly in your app, each linked to their verified mobile number. From it they receive money, transfer, pay bills and buy airtime. Every account is KYC-compliant, for personal and business customers.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.