Introducing Korastratum
For the past few weeks I've been writing about what's broken in financial infrastructure — the vendor sprawl, the integration tax, the emerging markets gap, the compliance disconnect. I wasn't just complaining. I was building. Today I share what we built.
For the past few weeks I've been posting about what's broken in financial infrastructure.
The vendor sprawl. The integration tax. Why modernization projects fail. The emerging markets gap. The compliance disconnect. What "modern" should actually look like.
Every one of those posts came from personal experience. From watching banks spend 18 months stitching together five vendors just to launch basic services. From building integration layers that took longer than the actual product. From seeing "modern" platforms crumble the moment they hit an NIN verification or a mobile money payout in Lagos.
I wasn't just complaining. I was building.
For the past two years, my team and I have been heads-down building the platform that should exist. The one I kept describing in these posts. Today I want to share it.
It's called **Korastratum**.
One platform. Six products. One integration. One customer record.
## Kora IDV
Identity verification across 608 document types in 197 countries. NIN, BVN, Ghana Card, Kenyan ID — native, not bolted on. Selfie matching, liveness detection, document OCR. Eight SDKs for iOS, Android, Flutter, React Native, Web, Node.js, Python, and Go. A developer goes from signup to first verification in 30 minutes.
## Kora Compliance
Sanctions screening against 1,000,000+ watchlist entries from 13 global sources. PEP screening. Real-time transaction monitoring with hybrid AI — a rules engine, ML anomaly detection, and behavioral analytics working together. 32 autonomous AI agents running in shadow and active modes. Automated STR and CTR filing to NFIU and Ghana FIC. Three embedded SDKs that drop compliance into any backend with one line of code.
## Kora Core Banking
Complete core banking application. General ledger, deposits, lending, treasury, trade finance, cards, payments, Islamic banking. 58+ microservices. Multi-currency, multi-tenant. A bank launches on Kora in weeks, not years.
## Kora Digital Banking
White-label mobile and web banking. Savings, loans, bill payments. USSD banking for feature phones. Your brand, your domain, your customers.
## Kora Digital Assets
Stablecoin wallets integrated into core banking. USDC and USDT on Stellar, Polygon, TRON, and Ethereum. Per-bank isolated hot wallets with encrypted key management. Every transaction screened against OFAC and OpenSanctions. Banks offer their customers stablecoin accounts alongside traditional deposits — same platform, same compliance, same audit trail.
## Kora Sentinel
AI-powered detection of financial exploitation targeting elderly customers. Because protecting vulnerable populations isn't optional.
## What no other platform in Africa offers
**Reusable KYC with W3C Verifiable Credentials.** A customer verifies their identity once and gets a cryptographically signed credential. They present it at any other institution on the network — no re-verification needed. The more banks on the platform, the more valuable every verification becomes. First in Africa.
**Voice-first banking in six African languages.** English, French, Yoruba, Swahili, Hausa, Arabic. Not text-to-speech reading a menu. Actual conversational AI that understands *"send five thousand naira to my brother"* in Yoruba and executes it. 40% of sub-Saharan Africa's adult population is functionally illiterate. Voice banking unlocks hundreds of millions of people who have never been able to use a banking app.
**AI regulatory intelligence.** Our system ingests CBN circulars and NFIU directives, analyzes them against your existing compliance rules, and proposes specific changes. A compliance officer reviews and approves. Regulations change constantly — your monitoring system should keep up automatically.
Every problem I've been posting about — the vendor sprawl, the integration tax, the emerging markets gap, the compliance disconnect — this is what we built to solve all of it.
Already in production. Real banks. Real transactions. Real compliance. Not a demo. Not a prototype. Production.
20 SDKs across every platform. Self-service sandbox at sandbox.korastratum.com — sign up with your work email, get API keys in 60 seconds, run your first screening in under 5 minutes. Usage-based pricing. No half-million-dollar license fees. No 3-year lock-ins.
If you're building or modernizing financial services in emerging markets, I'd love to talk.
DM me. Or visit korastratum.com.
This is just the beginning.
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*Originally posted on LinkedIn, April 2026.*