Financial systems, built for clients.
Card issuing, cross-border payouts, compliance engines, ledgers, IMTO licensing and native crypto, for banks, fintechs and money transfer operators in Nigeria, Kenya and the US.
$100M+
revenue generated by products we’ve built, across clients
20+
years of combined experience in fintech and payments
9
banks and fintechs we’ve built for and with
Who we’ve built for and with
- Wema Bank
- Access Bank
- Moniepoint
- Interswitch
- Kuda
- Nomba
- Mono
- GTBankKenya
- ChimeUSA
Most of our client work is under NDA, so we don’t say what we built for whom, or how much of it.
What we build
Most engagements combine several of these, scoped together and delivered in sequence.
Cross-border payouts
Disbursement rails, partner-bank and PSP integration, multi-currency ledgers, treasury and liquidity, reconciliation and settlement. Corridors from GBP, USD, SAR and AED into NGN.
Compliance engines
KYC for individuals, KYB for businesses, sanctions and watchlist screening, with rules you can set per corridor.
Licensing and regulatory support
Getting clients licensed: IMTO licence applications, regulatory certification, and consulting on the technical competence and depth regulators assess.
Payment orchestration
Routing across several processors, webhook infrastructure, payout APIs and the developer documentation that goes with them.
Digital assets and stablecoins
Chain-agnostic builds: token issuance, multi-chain stablecoin wallets (USDC and USDT on Stellar, Solana and Polygon, bridged with Circle CCTP), on- and off-ramps, and settlement between crypto and fiat.
Card issuing
Debit and prepaid card issuance, program design, BIN routing, Verve and Mastercard, NIP and NIBSS rails.
Data and intelligence
Transaction enrichment and classification, merchant directories, and analytics pipelines on ClickHouse.
Partner and merchant dashboards
API keys and secrets, transaction monitoring, bulk disbursement, beneficiary management, review queues and roles.
Cloud and delivery
Provisioning, CI/CD and monitoring on AWS or GCP, with delivery run to the standard a regulated environment expects.
How an engagement runs
0
Discovery and architecture
A short sprint to scope the system, map the corridors and constraints, and agree the architecture.
1
Build
Delivery in phases, built against specs we write in-house. Phases can overlap when the timeline calls for it.
2
Go-live
A coordinated launch with monitoring, runbooks and the operational controls a regulated product needs.
3
Support
Optional and renewed yearly: from keeping the system running to active feature work, with agreed SLAs.
Work we can describe
The engagements we can describe in detail. Where confidentiality requires it, the client stays unnamed.
Banking infrastructure for GTBank Kenya
Banking infrastructure for Guaranty Trust Bank Kenya, including the bank’s debit card issuance.
Banking infrastructure · Debit card issuance · Kenya
IMTO licensing and technical build for a money transfer operator
Supported the client through its IMTO licence: the regulatory certification process, and consulting on the technical competence and depth the regulator looks for. Alongside it, a complete build specification for remittance infrastructure, covering inflows and outflows.
IMTO licence · Regulatory certification · Technical due diligence · Remittance
Cross-border payout platform for an IMTO client
Scoped and commercialised end to end: a compliance engine (KYC, KYB, sanctions screening), an event-sourced multi-currency ledger, treasury and liquidity management, a corridor layer for GBP, USD, SAR and AED into NGN, partner, merchant and admin dashboards, payout APIs and webhooks, and the cloud setup underneath.
Compliance · Event-sourced ledger · Treasury · Corridors · Payout APIs
In production
Systems our team has built and shipped, at Consonant and before it, with what each one runs on.
Debit card issuance
GTBank Kenya
Card issuance as part of the bank’s core banking infrastructure.
Card rails · issuer processing
IMTO payout platform
Money transfer operator
Compliance engine, event-sourced multi-currency ledger, treasury, and GBP, USD, SAR and AED corridors into NGN, plus the licence behind it.
Event sourcing · KYC, KYB and sanctions screening · payout APIs and webhooks
Cross-border fiat and crypto
Nomba
Concept to live in four months: multi-currency wallets, USDC and USDT across three chains, and on- and off-ramps.
Stellar · Solana · Polygon · Circle CCTP
Moniebook
Moniepoint
Zero to 50,000+ businesses on a subscription model, activated through a 1,000+ engineer implementation network.
Subscription billing · real-time commission engine
Grip card program
Consonant studio
A PCI-DSS certified card spending in 200+ countries across every linked account. Ran profitably until 2024.
Card issuing · .NET · Stellar
NSPPD subscriptions
Consonant studio
More than 1,000 members across 90 time zones in a controlled beta, generating revenue before public launch.
React Native · NestJS · Postgres · Redis · FFmpeg
Oddslane conversion engine
Consonant studio
Converts booking codes across 15 bookmakers in 5–10 seconds, with tipster records built from Telegram and X.
Cloudflare Workers · ingestion and AI intel services
USSD banking middleware
Interswitch, for First Bank
Powered hundreds of thousands of offline transactions.
Java EE · USSD