Run your own app and online banking in your brand, or add the UNIFOS Super SDK to the app you already have. Increase adoption with a superior experience across every retail product and service.
Unified Financial Operating System for Banks
Digital Transformation Built for Up to 6X Revenue Growth
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Your Retail Customers
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Revenue from Retail Products
Find the Right Solution for You
Our comprehensive suite covers digital banking, payments, card issuance, merchant acquiring, agency banking, digital lending and credit card management, all on one engine. It is supported by powerful enablers: digital KYC, secure soft token 2FA, fraud and risk checks on every payment, personalised loyalty programmes and an in-app assistant. Together, these solutions drive scalable growth, boost operational efficiency and deliver a superior customer experience.
Digital Banking
Merchant Acquiring
Card Issuing
Digital Lending
Dual Transaction
KYC & Soft Token
Loyalty
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Digital Banking & Payments
Build a digital banking ecosystem that supports consumers, merchants and instant virtual card issuance. Our digital account management runs on BALANCE core, supported by digital KYC management and soft token authentication security. Customers pay any merchant’s interoperable QR with ScanPay.
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Merchant Acquiring
Accepto onboards merchants instantly and digitally, with KYB and a verified business location, and equips them with interoperable QR and SoftPOS. Merchants apply for POS terminals through their bank, and Accepto evaluates and processes each request against the eligibility criteria the bank sets, with the option for every payment to be settled instantly.
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Card Issuing
Issue virtual debit, credit, prepaid and gift cards instantly through your mobile app with Instacard. The cards sit securely in a digital card wallet, ready for online and in-store payments. Our Universal card gives customers one physical card, picked up sealed at branches, agents and retail touch points such as supermarkets, or ordered online. In a matter of seconds, the customer links it to a virtual Instacard issued by their bank, ready for immediate use, and can relink it to another Instacard just as quickly.
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Digital Lending
Ace, our AI Credit Exchange, helps you offer a variety of loan products to your customers in your mobile banking app. It underwrites every loan three independent ways: your own rules, an AI Checker that sees the borrower’s wider credit behaviour, and the credit bureau. Ace triangulates the three into the most conservative offer, the one that is safe for you to make, and the loan is disbursed the moment it is approved. Lenders set underwriting and collection rules and use dashboards and reports to analyse and manage the loan and credit card portfolio.
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Dual Transaction Service
Instacard features the patented Dual Transaction Service (DTS), which lets pre-approved customers use the credit limit on a virtual credit card through the debit cards they already hold. DTS comes switched on with every virtual Instacard credit card, wherever you already hold debit cards for that customer, so they start spending on the new limit with the cards in their wallet from day one.
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KYC & Soft Token
Verifyed enables fast, secure KYC, so customers sign up, get verified and start using financial services in minutes. From liveness and face match to NIN, BVN and ID checks, every step is streamlined for compliance, speed and a seamless experience, with the Verifyed soft token app as the second factor.
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Loyalty
Design a customised loyalty programme with Rewa that rewards customers with usage-based points credited to a dedicated rewards account. Customers view their points statements in your mobile app. Redeemed points become cash in a dedicated redemption account, for airtime, data, bills or the customer’s own account.
Two Ways to Launch
Pick the one that fits the bank you run.
Standalone AppFor microfinance banks and fintechs
Your own bank, in your brand
Front end and back end, ready to plug in. Your customers download your app and sign in to your online banking.
- You launch
- Your own mobile app and online banking
- Core banking
- BALANCE as your main core, with KYC in the app
- Products
- Every product, on day one
- Go live
- In weeks
Super SDKFor commercial banks
Our modules, inside your app
One integration inside the app you already run. Your customers stay with your login, your brand and your home screen.
- You launch
- UNIFOS modules inside your existing app
- Core banking
- Your core, connected by IMS, our Institution Management System on your premises
- Products
- The modules you pick
- Go live
- Fast, module by module
Standalone App: A Complete Bank, Ready to Launch
For microfinance banks and fintechs
How it fits
- Your customised app, mobile and online
- UNIFOS platform
- Partner portal
Your Own App and Online Banking
A mobile app and online banking in your name, with their own home and navigation. Accounts, Instacard, ScanPay, Transfers and Bills sit one tap away.
Core Banking Included
BALANCE core banking runs underneath, with KYC in the app. Accounts, cards, loans and rewards post to one book. Customer data and payment rails stay in your country.
Every Product on Day One
Front end and back end arrive already connected, so every product is live from launch. There is nothing to build from scratch and nothing to integrate.
Live in Weeks
Set your look, switch on your products and launch, with no heavy upfront licence cost: we share revenue instead. From the first day, your teams run the bank from the Partner portal.
Every Product,
In Your Brand
For commercial banks
Super SDK: One Integration, As Many Modules as You Need
Our plug-and-play Super SDK integrates easily into the app you already run and delivers a wide variety of use cases, without you building them from scratch. Pick the modules you need. Each one comes with its back end, and one Partner portal runs them all.
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You place the entry points
On your home screen and in your menus, wherever your customers already look.
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A tap opens the module
The customer sees your colours and never signs in twice.
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One tap back to your app
When they are done, the customer is back on your home screen.
How it fits
- Your app
- UNIFOS Super SDK
- UNIFOS platform
- IMS in your data centre
- Your core banking
New accounts open on your core or BALANCE, side by side.
Everything You Need to Power Digital Banking
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- 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
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
Your Products, Your Look, Your Language
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Your products
Switch modules on and set your products and pricing on the Partner portal.
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Your look, live
Set your colours, font and logo, check every screen in a live preview, light or dark mode, and publish after a second approval.
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Your customers’ language
The app speaks 15 languages, Hausa, Yorùbá, Igbo and Pidgin among them.
EnglishHausaYorùbáIgboNaijáFrançaisالعربيةKiswahiliisiZuluAfrikaansአማርኛPortuguêsEspañolहिन्दी中文
Connected to Local and Global Payment Rails
Transfers, cards and settlement run on the networks your customers already use: NIBSS, Interswitch, Unified Payments, eTranzact, Mastercard and Visa.
Frequently Asked Questions
UNIFOS is a unified financial operating system that lets banks and fintechs offer digital banking, card issuance, digital payments and lending. Launch it as your own app and online banking, or as Super SDK modules inside the app you already have.
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.