Betta Finance builds the core banking, payment gateway and settlement infrastructure that banks, fintechs, PSSPs and IMTOs run on, with the reporting regulators need built in from day one.
Infrastructure for every
CBN license category
Platform
Start with the module you need today. Core, Pay and Chain share one ledger, one API and one compliance layer, so adding the next is a configuration change, not a migration.
A cloud-native core for commercial banks, MFBs and payment service banks. Launch products in days and keep every posting audit-ready.
One API for every way Nigerians pay and every corridor money arrives through. Built for PSSPs, IMTOs, merchants and platforms.
Permissioned settlement and tokenised money on the same Core ledger, designed with regulators at the table, not around it.
Solutions
Every institution on the rails has a different job and a different regulator conversation. Betta ships a starting configuration for each.
Replace a legacy core without a big-bang migration. Run new products on Betta Core while the old ledger winds down.
Go live on licensed rails in weeks. Accounts, cards and payouts through one API, with sandbox access from day one.
A white-label gateway with NIBSS, card-scheme and USSD connectivity, plus settlement, chargeback and dispute tooling.
Inbound remittance corridors with FX, KYC and real-time naira payout to any bank account or wallet in Nigeria.
A supervisory view across institutions: real-time returns, risk signals and audit trails, without sending a data request.
Talk to a solutions architect who has shipped licensed infrastructure before.
Developers
REST and webhooks, idempotent by default, with SDKs for Node, Python, Java and Go. The sandbox mirrors NIBSS and card-scheme behaviour, so what passes in test passes in production.
curl https://api.bettafinance.tech/v1/transfers \
-H "Authorization: Bearer sk_live_••••••••" \
-H "Idempotency-Key: 7f9c2b11" \
-d amount=245000000 \
-d currency=NGN \
-d destination[bank_code]=058 \
-d destination[account]=0123456789
{
"id": "TXN_8F2K19A",
"status": "settled",
"settled_in_ms": 1842,
"ledger_entry": "LE_00921847"
}
Launch path
Our regulatory team has walked institutions through CBN licensing and NIBSS certification. We bring the templates, the evidence packs and the infrastructure; your team runs the business.
Pick your license category and products. We map every CBN requirement to a Betta module and a named owner.
Products, limits, fees and your chart of accounts configured on Betta Core and Pay in a dedicated sandbox tenant.
Penetration testing plus NIBSS and card-scheme certification, with the evidence packs already prepared.
Production cut-over with a 24/7 NOC and a named engineer beside your team for the first 90 days.
Security & compliance
Controls map to the frameworks your examiners use, and evidence is generated as the platform runs, not assembled the week before an audit.
Visit the Trust CenterRisk-Based Cybersecurity Framework and payment system guidelines, mapped control by control.
NDPA-compliant processing with primary data residency in Nigerian Tier III data centres.
Cardholder data lives in a segmented PCI DSS environment, tokenised by default.
An information security management system run against ISO/IEC 27001 and audited yearly.
In-line transaction monitoring and sanctions screening, with goAML-ready STR exports.
Read-only supervisory access to real-time returns, exposures and incident reports.
Tell us your license category and timeline. A solutions architect will reply within one business day.