Unified Financial Operating System for Banks

unifos

Smart Solutions for Modern Banking

UNIFOS offers end-to-end digital banking capabilities designed to help you launch, scale and optimise financial services delivery. From customer onboarding, payments and card issuance to lending, merchant acquiring and account management, our platform delivers secure, scalable solutions tailored to today’s banking landscape. Built for speed. Backed by compliance. Powered by flexibility.

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Pick the Path That Fits Your Bank

Each path carries the same products and answers to the same Partner portal.

Standalone App · Microfinance banks and fintechs

Your own bank, front end to back end

A complete bank in your brand: mobile app and online banking on BALANCE core banking. Cards, payments, KYC, agent and merchant tools are inside from day one.

  1. Your app

    Mobile and online, in your brand

  2. UNIFOS platform

    BALANCE, ScanPay, Instacard, Accepto, Ace, Fundu, Verifyed, Rewa, Sonar, Guida

  3. Partner portal

    Your teams run every product

Standalone banking app home screen with Accounts, Instacard, ScanPay, Transfers and Bills tabs
  • Its own home and navigation
  • KYC in the app
  • Live in weeks
Super SDK · Commercial banks

Our modules, inside the app you already run

Your login, your brand, your home screen. You place the entry points. A tap opens the module in your colours, and one tap brings the customer back to your app.

  1. Your app

    Your login and home screen

  2. UNIFOS Super SDK

    The modules you pick

  3. UNIFOS platform

    Runs every product behind them

  4. IMS on your premises

    Institution Management System, connects your core

  5. Your core banking

    New accounts on your core or BALANCE

Super SDK entry points on a partner bank’s own app home screen
  • Pick the modules
  • Your login stays
  • Go live fast

On both paths your team sets colours, font and logo on the Partner portal, with a live preview in light and dark modes. Changes publish after a second approval. The app speaks 15 languages.

Find the Right Solution for You

A comprehensive suite of solutions, supported by powerful enablers like digital KYC, secure soft-token 2FA, fraud, risk and AML checks on every payment, personalised loyalty programmes and Guida, the in-app assistant. Together, our solutions drive scalable growth, boost operational efficiency and deliver a superior customer experience.

Digital Accounts

BALANCEDigital Banking

UNIFOS lets you build a full-featured digital account ecosystem for both consumers and merchants on BALANCE core banking. Customers open accounts, save, transfer, add money, pay bills and buy airtime, with statements and business accounts built in.

At the till or online, customers scan any merchant’s interoperable QR with ScanPay and choose how to pay: an Instacard, their BALANCE account or a card from another bank. Transfers, bills and airtime are a tap away, and every payment appears in the statement at once. On the Super SDK, IMS, our Institution Management System installed on premises at your bank, connects your own core, and new accounts open on your core or on BALANCE, side by side.

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Merchant Acquiring

AcceptoMerchant AcceptanceFunduAgency Banking

Accepto enables instant digital onboarding for merchants directly through your mobile app, with KYB and a verified business location. Using SoftPOS on NFC-enabled Android phones, merchants can start accepting contactless card payments without additional hardware.

Accepto also supports dynamic QR codes, payment links, online checkout and traditional POS terminals for card dipping, tapping or swiping, with instant settlement. Fundu agents offer cash deposits and withdrawals, bills, airtime and Universal card pick-up services at a shop around the corner.

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Card Issuing

InstacardVirtual & Universal Cards

Instacard enables instant issuance of virtual debit, credit, prepaid and gift cards directly within your mobile app, with a dynamic CVV. Every card is securely stored in a digital card wallet for online and in-store use. Card control settings let customers set daily limits and switch POS, ATM and online use on or off.

With the Universal card, customers reach their virtual cards through one physical card, sealed and carrying no bank name. Customers pick it up at your branches and agents or at retail touch points such as supermarkets, or order it online. They activate it with a QR scan, face match and a PIN, and can relink it to another Instacard at any time.

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Explore Card Issuing: solution page

Digital Lending

ceAI Credit Exchange

Ace delivers end-to-end loan management, helping lenders create and scale high-performing credit portfolios. Offer payday loans, salary advances and small-ticket, personal and consumer-durable loans, each checked three ways: by your rules, an AI Checker and the credit bureau.

With full-spectrum service delivery, Ace, our AI Credit Exchange, supports everything from origination and instant disbursement to repayment and collections. These run on BALANCE for Standalone banks and through IMS on your core for Super SDK banks.

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Explore Digital Lending: solution page

Dual Transaction Service

InstacardVirtual & Universal Cards

Unlock new revenue by turning the debit cards your customers already carry into a way to spend on credit.

With our patented Dual Transaction Service (DTS), you offer instant credit through existing debit cards, which draw on a new virtual credit card’s limit. No new card is required. Drive engagement and grow income with ease.

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Explore Dual Transaction Service: solution page

KYC & Soft Token

VerifyedKYC & Soft Token

Verifyed enables instant customer onboarding with:

  • Face capture with active and passive liveness detection, which confirms the face belongs to a live person and prevents spoofing and impersonation.
  • Face match against BVN and NIN photos in real time, for high-confidence identity verification.
  • ID reading for the national ID, NIN slip, voter’s card, driver’s licence and passport.
  • Location and address proof for residence and business addresses.
  • KYC upgrades that customers complete on their own.

The solution also includes a soft token for two-factor authentication, adding an extra layer of security for account activation and ongoing transactions. Customers set it up in seconds, and its 30-second codes work offline. The PIN is the first factor, and the code from the Verifyed app is the second on every digital payment.

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Explore KYC & Soft Token: solution page

Loyalty Management

RewaLoyalty Management

Boost adoption and engagement with a customised loyalty programme across your products and services. With Rewa, you reward customers with usage-based points on cards, ScanPay and bills, complete with a real-time points history.

Customers climb tiers and redeem points as cash, for airtime, data, bills or their own account. Your team sets earn rules, tiers and redemption on the Partner portal.

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Explore Loyalty: solution page

Scalable, Secure and Cost-Efficient Banking Infrastructure

Secure Environments

Verifyed checks every customer and Sonar checks every payment. Customer data and payment rails stay in your country. Every change on the Partner portal needs a second approval.

Seamless Integration

Seamlessly integrate digital banking experiences using our Super SDK inside your existing app, with IMS in your data centre connecting your core. Microfinance banks and fintechs get a complete app on BALANCE core banking instead.

Revenue Share, Live in Weeks

Eliminate heavy upfront licensing costs with our revenue-share model. We earn as your products earn. Plug and play means live in weeks.

Switch On What You Need

Each product is modular and can be deployed independently, on either path. Start with one or two and add more as you grow.

One Platform,
Endless Possibilities

Frequently Asked Questions

UNIFOS provides the back end for digital banking, card issuing, merchant acquiring and digital lending, plus digital KYC, soft-token 2FA, loyalty and Guida, the in-app assistant. It also provides the front end: a complete app in your brand for Standalone banks, or Super SDK modules inside a commercial bank’s existing app. Beyond the platform, UNIFOS brings a suite of market-first innovations: the patented Dual Transaction Service (DTS), the Universal card, ScanPay, Verifyed’s fully self-service KYC and soft token, and a new way for customers to add money from any bank.

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.

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