NkapFin's core ledger supports all 54 African currencies natively, including XAF, XOF, NGN, KES, ZAR, GHS, and EGP. Process transactions in any currency pair with real-time FX rates sourced from central banks and interbank markets across the continent.
Our double-entry accounting system ensures every transaction is balanced, auditable, and compliant with OHADA accounting standards. Whether you're running a neobank in Yaoundé or a savings cooperative in Nairobi, the ledger adapts to your regulatory environment.
Create and manage individual, business, and institutional accounts with flexible KYC tiers. NkapFin supports tiered account structures mandated by COBAC, CBN, and other African regulators — from basic mobile money wallets to full corporate treasury accounts.
Each account comes with built-in transaction limits, velocity controls, and automated compliance checks. Our hierarchical account structure supports parent-child relationships for corporate groups, agent networks, and franchise operations.
Configure complex interest calculations, fee schedules, and revenue-sharing models through our rules engine. Support for Islamic finance (Murabaha, Mudaraba), conventional interest, and hybrid models used across West and East Africa.
Generate regulatory reports for COBAC, BEAC, CBN, CBK, and other African central banks automatically. Our reporting engine understands the specific formats, frequencies, and data requirements of each regulator, reducing your compliance burden from weeks to minutes.