Kora Digital Banking

Kora Digital Banking is a white-label banking platform that lets you launch a fully branded digital bank. It provides account management, domestic and international transfers, loans, five savings products, bill payments, and real-time notifications — all behind a single multi-tenant API.

What You Can Do

• Accounts & Wallets — Create and manage multi-currency wallets (NGN, USD, GBP) with per-user daily and monthly limits.
• Transfers — Move money internally, across Nigerian banks via NIBSS NIP, or internationally via SWIFT.
• Loans — Offer six loan products (quick cash, personal, salary advance, mortgage, asset finance, business) with a multi-level approval workflow.
• Savings — Five savings products: flexible, target, locked, group, and save-as-you-transact (SAYT).
• Bill Payments — Airtime, data, electricity, cable TV, insurance, and more via the Interswitch Quickteller network.
• KYC & Identity — Three-tier KYC with document verification, identity checks, and admin review queues.
• Fraud Detection — AI-powered transaction risk scoring with device, location, and behavioral analysis.
• Multi-Tenancy — Isolated tenant schemas, branded themes, and per-tenant feature flags from a single deployment.

How It Works

┌──────────┐     ┌────────────────────┐     ┌──────────────────┐
│  Mobile   │────▶│                    │────▶│    PostgreSQL     │
│  App      │     │    Banking API     │     │  (tenant schema) │
├──────────┤     │    (Express.js)    │     └──────────────────┘
│  Web App  │────▶│                    │────▶┌──────────────────┐
├──────────┤     │  /api/v1/accounts  │     │  NIBSS / ISW      │
│  Admin    │────▶│  /api/v1/transfers │     │  (transfers,      │
│  Portal   │     │  /api/v1/loans     │     │   bill payments)  │
└──────────┘     │  /api/v1/savings   │     └──────────────────┘
                 │  /api/v1/bills     │
                 └────────────────────┘

Every request includes an Authorization header (JWT) and an X-Tenant-ID header. The API resolves the tenant, applies row-level security, and routes the request to the correct schema.

Quick Example

cURL

curl https://api.korastratum.com/api/v1/banking/accounts \
  -H "Authorization: Bearer eyJ0eXAi..." \
  -H "X-Tenant-ID: fmfb"

Node.js

const res = await fetch("https://api.korastratum.com/api/v1/banking/accounts", {
  headers: {
    Authorization: "Bearer eyJ0eXAi...",
    "X-Tenant-ID": "fmfb",
  },
});
const { data } = await res.json();

Python

import requests

res = requests.get(
    "https://api.korastratum.com/api/v1/banking/accounts",
    headers={
        "Authorization": "Bearer eyJ0eXAi...",
        "X-Tenant-ID": "fmfb",
    },
)
data = res.json()["data"]

Go

req, _ := http.NewRequest("GET", "https://api.korastratum.com/api/v1/banking/accounts", nil)
req.Header.Set("Authorization", "Bearer eyJ0eXAi...")
req.Header.Set("X-Tenant-ID", "fmfb")

resp, _ := http.DefaultClient.Do(req)
defer resp.Body.Close()

Next Steps

• Quickstart — Authenticate and make your first transfer in 5 minutes.
• Authentication — JWT tokens, 2FA, and session management.
• Multi-Tenancy — How tenant isolation works.
• API Reference — Base URL, headers, and response format.