Everything you need to launch and grow digital banking and payments: accounts, transfers, bills, QR payments and statements, on one platform. Microfinance banks run on BALANCE core banking. Commercial banks keep their own core and run BALANCE alongside it for the products and use cases they choose.
Unified Financial Operating System for Banks
BALANCE · Digital Banking
Digital Accounts
The BALANCE account management platform supports every use case our partners need to offer and manage digital accounts, credit and prepaid card accounts, loan accounts and accounts for rewards and redemption. The UNIFOS Super SDK simplifies front-end integration while BALANCE keeps back-end processing secure and fast. Choose the path that fits your bank.
Standalone App · Microfinance banks and fintechs
Run your whole digital bank on BALANCE
Mobile app and online banking in your brand, with BALANCE core banking underneath. Accounts, KYC, transfers, bills and ScanPay are ready on day one.
- Mobile app, online banking and the Partner portal
- Personal and business accounts in one app
- Accounts, Instacard, ScanPay, Transfers and Bills tabs
- Live in weeks, on a revenue share
Super SDK · Commercial banks
Keep your core, add BALANCE beside it
BALANCE opens inside the app you already run, through the Super SDK. Your core stays the book of record, connected by IMS, our Institution Management System on your premises.
- New accounts open on your core or on BALANCE
- Core and BALANCE accounts side by side
- Your login and brand, one tap from your own app
- Pick the modules and go live fast
Digital Accounts
Prepaid & Credit Card Accounts
Loan Accounts
Rewards & Redemption Accounts
Build a powerful digital account ecosystem that connects consumers and merchants with seamless payments, security and scale, in your brand and in 15 languages
Lasting Value for Banks Across Africa
BALANCE, the UNIFOS core banking and account management system, supports diverse use cases across digital payments, card transactions, lending and loyalty, all from one powerful, unified platform. Microfinance banks run their whole book on it. Commercial banks keep their own core, connected through IMS.
Automate your KYC process with AI-powered verification for faster onboarding, lower costs and stronger fraud prevention: BVN and NIN, liveness, face match and ID reading. With the Verifyed soft token, enhance user security through seamless two-factor authentication, all built to scale with your operations.
Boost digital adoption with Rewa, a tailored loyalty programme that credits usage-based points to a dedicated rewards account. Customers earn, track and redeem their points directly from your app. Your team sets the rules on the Partner portal.
Offer instant virtual cards in debit, credit, prepaid and gift forms for both online and offline transactions. With the Universal card, one physical card reaches any of the customer’s virtual cards, linked one at a time, delivering convenience, control and a seamless payment experience.
Ace, our AI Credit Exchange, is a lending platform that supports the full lifecycle of credit products, from instant origination and disbursement to loan management and collection services, including due and delinquent payments.
ScanPay lets customers pay any merchant’s interoperable QR with an Instacard, a BALANCE account or another bank’s card, and the merchant is paid at once. A small merchant who cannot afford a POS terminal simply displays the QR, and still takes card payments alongside account payments.
All-in-one digital account management, supported by digital KYC and soft token security
Explore More of Our Solutions
Accepto · Merchant Acceptance
We support you with the tools and infrastructure to onboard merchants instantly, accept all major payment types and manage terminals from a single, secure dashboard.
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Instacard · Virtual & Universal Cards
We equip you to issue virtual cards in debit, credit or prepaid form instantly. Customers pay online and contactless in your app and link any of them to one physical Universal card for in-store payments, relinking it any time.
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Ace · AI Credit Exchange
We help you build and scale a profitable lending portfolio. Three-way underwriting, loan disbursement and recovery are all managed on one compliant system.
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Instacard DTS
With our patented Dual Transaction Service (DTS), you can offer instant credit card access through existing debit cards. Drive engagement and grow income with the cards already in your customers’ wallets.
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Verifyed · KYC & Soft Token
We make identity verification effortless with AI-driven face match, liveness detection and two-factor authentication through the soft token, helping you onboard users securely and at scale.
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Rewa · Loyalty Management
We enable you to design, launch and manage custom loyalty programmes that reward usage, increase customer engagement and deliver real-time visibility into earned points.
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Frequently Asked Questions
Our digital account platform BALANCE supports every use case banks and fintechs need for retail digital banking, credit and prepaid cards, loan accounts and a customised loyalty programme. Customers manage their services from digital accounts and view statements with detailed transaction histories.
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.