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THE FOUNDATION FOR YOUR NEXT FINANCIAL INSTITUTION

Launch your fintech
in weeks.
Not years.

Proven banking infrastructure.
Your brand. Your source code. Your future.

Personal banking, SME banking, cards, payments and more. Already built. Proven at scale. Ready for you to own.

Book a Demo Explore the Stack
Technology ready in as little as six weeks.

Final go-live is subject to regulatory and external-provider approvals.

THE elatech ECOSYSTEM01 / INFRASTRUCTURE
elatech coreONE CONNECTED FOUNDATION
Mobile banking
SME banking
Cards
Payments
Savings
POS
Identity & KYC
Back office
PRODUCTION-TESTED ARCHITECTUREBUILT TO BE YOURS
100M+

Transactions processed

Proven under real demand

$5B+

Transaction value processed

Infrastructure with a track record

6 weeks

Technology readiness

A head start, built in

100% yours

Source code & infrastructure

Ownership from the foundation

THE INFRASTRUCTURE IS BUILT. Build the business only you can.
01 / A COMPLETE PRODUCT FOUNDATION

One infrastructure.
Multiple financial businesses.

From your first customer to your next market.
Build on a stack that already works.

SME BANKING SUITE

Everything a modern
business bank needs.

Give businesses the accounts, controls and payment tools they need to move forward.

Transfers

Single, bulk and scheduled transfers. Scheduled payments and beneficiary management.

Business accounts

Main accounts, sub-accounts, dedicated virtual accounts and collections accounts.

Bills

Airtime, data, electricity, TV and betting.

Cards

Physical and virtual cards with configurable card controls.

Savings

Flexible, target and fixed savings products.

Team banking

Team members, roles, permissions, transaction limits, maker-checker and multi-level approvals.

POS infrastructure

Standard, mini and virtual POS. Terminal application, POS SDK and merchant management.

Payment links & invoicing

Payment links and invoicing for business collections.

Mobile app · Internet banking · Back office
POS terminal app · POS SDK
YOUR BUSINESS. IN FOCUS.

Bright, clear everyday banking

▣   business.yourbank.com
＋
Business overview ACME INDUSTRIES AI
Good morning, Alex Here’s your business at a glance.
Total balance₦24,850,000.00

3 active business accounts

Monthly inflow₦8,420,000.00

↗ 12.8% this month

Cash flowSeptember ⌄
01 SEP10 SEP20 SEP30 SEP
Recent transactions View all
AO
Acme OperationsVendor payment
− ₦450,000Completed
PS
Paystack SettlementCollection
+ ₦1,280,000Completed
TO
Team OperationsPayroll
− ₦820,000Completed
01 / 04

Customer web app

Business accounts, cash flow and payments in one workspace.

ILLUSTRATIVE PRODUCT INTERFACE · YOUR BRAND, YOUR EXPERIENCE
YOUR BANK. IN YOUR HAND.

Bright, clear everyday banking

9:41▮▮▮   ◒   ▰
Hello, Ada Good morning ☀
AO
Available balance₦1,250,000.00•••• 4829
SendReceivePay bills
YOUR NEXT BIG THINGMake room for
your goals.

Savings that work for you.

Recent activity
↗
Grocery storeToday, 10:24 AM
− ₦18,500
↓
Money receivedToday, 9:12 AM
+ ₦85,000
HomeCardsSavingsSettings
01 / 02

Personal mobile app

Everyday payments, cards and savings, in your pocket.

ILLUSTRATIVE PRODUCT INTERFACE · YOUR BRAND, YOUR EXPERIENCE
PERSONAL BANKING SUITE

A complete digital
banking experience.

Everyday money movement, cards and savings. Connected in one experience with your name on it.

Send & receive

Bank account numbers, username transfers, internal transfers and external bank transfers.

Everyday bills

Airtime, data, electricity, TV and betting.

Cards & controls

Physical cards, virtual cards and card controls.

Savings

Flexible, target and fixed savings.

Stablecoin infrastructure

Send, receive, wallet infrastructure and fiat/stablecoin integrations where permitted.

Mobile app · Admin / Back office
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BEHIND EVERY CUSTOMER EXPERIENCE

Operations, already considered.

Reconciliation, permissions and approval workflows belong in the foundation.

Back office APPROVAL QUEUE
Bulk payrollFinance managerAwaiting review
Account verificationCompliance teamApproved
Settlement reconciliationOperations teamMatched
02 / SKIP THE EXPENSIVE LEARNING CURVE

Building a fintech shouldn’t
take two years.

A mobile app is the beginning. The hard part is everything underneath it: integrations, reconciliation, security, DevOps, monitoring and real financial operations.

THE LONG WAY AROUND

Build from scratch.

12–24 months
  • —Large engineering team
  • —Multiple integrations to build and stabilise
  • —High implementation risk
  • —Unknown scalability and recurring rebuilds
THE ELATECH HEAD START

Deploy proven infrastructure.

6 weeks to technology readiness*
  • Production-tested architecture
  • Existing integrations
  • Source-code ownership
  • Infrastructure under your control

*As little as six weeks. Scope, regulatory, partner-bank, card, KYC and other external-provider approvals affect final go-live.

The cost is high. The bigger problem is execution risk.
03 / YOUR STACK. YOUR ASSET.

Don’t rent your
fintech forever.

Own the technology powering your financial institution.

You are building a technology asset for your company — with control over how it runs, how it grows and where it goes next.

Book a Demo
OWNERSHIP, ALL THE WAY DOWN
01Source code
02Infrastructure
03Deployment environment
04Integration credentials
05Product interfaces
06Technology roadmap
07Operating costs
08Customer experience
Built on elatech. Owned by you.
04 / CONNECTED FROM THE START

The integrations
are already done.

Integrating, testing and stabilising infrastructure providers takes time. That work has already been done.

Payments & banking rails

05 PROVIDERS
Monnify
Flutterwave
Paystack
BluSalt
NIBSS NIP

KYC & identity

04 PROVIDERS
MetaMap
QoreID
Smile ID
Dojah

Activate the providers appropriate for your regulatory structure and operating model.

05 / PROOF, BEYOND THE PITCH

Built for production.
Not for PowerPoint.

This infrastructure has been used in real financial environments and refined through years of production operations.

100M+Transactions processed
$5B+Transaction value processed

You inherit years of engineering and operational learning from day one.

Book a Demo
ENGINEERED FOR REAL-WORLD OPERATIONS
01

Transaction integrity

High volumes, concurrent transactions and transaction state management.

02

Resilience in motion

Failed integrations, provider downtime and reversals.

03

Operational control

Reconciliation, security controls and operational approvals.

04

The difficult details

Financial edge cases that only reveal themselves in production.

INITIATEDPROCESSEDRECONCILED
06 / YOUR AMBITION, OUR FOUNDATION

Built for companies
that want to move fast.

Fintech startups

Launch without spending years building infrastructure.

Microfinance banks

Digitise your institution with mobile and internet banking.

Digital banks

Deploy complete retail and SME banking experiences.

Lenders

Add accounts, collections, payments, savings and cards around lending.

Cooperatives

Digitise savings, payments and member accounts.

Embedded finance

Bring financial services into your existing ecosystem.

Merchant platforms

Add payments, business accounts, POS and financial services.

Your market.
Your institution.
Your technology.

Let’s build it
07 / A CLEAR PATH FORWARD

From decision to
technology readiness.

Six focused stages. A proven foundation.
A team that has done this before.

WEEK 01

Discovery & architecture

Align your operating model, products, regulatory structure and customisation.

WEEK 02

Branding & configuration

Your identity, product configuration and business rules.

WEEK 03

Infrastructure deployment

Environments, databases, services and security configuration.

WEEK 04

Integration configuration

Activate selected payment, banking and KYC providers.

WEEK 05

Testing & readiness

UAT, security testing, transaction testing and operational workflows.

WEEK 06

Technology ready

Ready for controlled deployment, subject to required external approvals.

Technology can be ready in as little as six weeks. Final go-live depends on agreed scope and regulatory, partner-bank, card, KYC and third-party approvals.

08 / ECONOMICS YOU CONTROL

Your success shouldn’t
make your software
vendor richer.

Many platforms charge recurring fees that grow with your customer base. Our model is designed around technology ownership.

Your software does not automatically become more expensive because your business is succeeding under a mandatory per-user licensing model.

Control your own infrastructure economics.
MORE CUSTOMERS. THE SAME OWNERSHIP.
10K
customers
100K
customers
1M
customers
YOUR TECHNOLOGY. AT EVERY STAGE.

Hosting, providers, support and operating costs still depend on usage and your agreements.

09 / DEPTH WHERE IT MATTERS

One core.
Multiple financial products.

A connected foundation from ledger to customer.
Explore each layer to see what sits underneath.

01
THE FOUNDATION

Core infrastructure

AccountsLedgerTransactionsIdentitySecurityPermissions

The shared foundation for account operations, transaction state management, identity, security controls and role-based permissions.

↓
02
YOUR PRODUCT LOGIC

Product services

TransfersCardsBillsSavingsCollectionsPOSInvoicesStablecoins

Configure the financial products for your operating model, with shared infrastructure underneath. Stablecoin services are available where permitted.

↓
03
YOUR CUSTOMER EXPERIENCE

Channels

Personal mobileSME mobileInternet bankingPOSBack officeAPIs / SDKs

Reach customers across mobile, web and merchant channels. Give operations teams the back-office tools to manage the business.

↓
04
YOUR CONNECTIONS

Integrations

BanksNIBSSPayment providersKYC providersCard providers

Activate providers for your regulatory structure, contracts and market. Third-party onboarding and approvals remain part of final go-live.

YOUR NEXT CHAPTER STARTS HERE

Stop building
infrastructure.
Start building your
financial institution.

You know the customers. You see the opportunity. Your technology should not be what delays you.

Deploy proven infrastructure. Focus on distribution, customer acquisition and revenue.

Proven at scale Built to be yours
Talk to Our Team
LET’S TALK ABOUT WHAT YOU’RE BUILDING

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