The Complete Financial Infrastructure Platform
Identity verification, compliance screening, core banking, and digital banking — unified under one platform.
Kora IDV
Reduce KYC drop-off and verify identities in seconds
ML-powered identity verification across 600+ document types in 200 countries. Document OCR, MRZ parsing, selfie matching via FaceNet embeddings, 5-layer liveness detection, NFC/ePassport validation (ICAO 9303), and government database verification (NIN, BVN, Ghana Card, Kenyan ID). 8 native SDKs — iOS, Android, Flutter, React Native, Web, Node.js, Python, Go.
- Document OCR & MRZ parsing
- Selfie matching (FaceNet 512-dim embeddings)
- 5-layer liveness & anti-spoof detection
- Document authenticity & tamper detection
Kora Compliance
Automate 40 hours/week of manual compliance work
Enterprise compliance platform with 28 microservices screening against 1M+ watchlist entries from 13 sanctions sources (OFAC SDN + Consolidated, UN, EU, UK OFSI, AU DFAT, CA SEMA, CH SECO, JP MOF + Nigeria NIGSAC, Kenya FRC, South Africa FIC, Egypt) and 4 PEP databases. Includes 6-algorithm fuzzy matching, multi-chain crypto wallet screening (BTC, ETH, TRON, Stellar + stablecoins on Polygon and other EVM chains), real-time adverse media crawling with NLP, transaction monitoring, case management, and regulatory reporting.
- 13 sanctions sources (OFAC SDN, UN, EU, UK OFSI, AU DFAT, CA SEMA, CH SECO, JP MOF + Nigeria NIGSAC, Kenya FRC, South Africa FIC, Egypt Terrorist)
- 4 PEP databases (764K+ global entries with risk decay)
- 6-algorithm fuzzy matching (Jaro-Winkler, Soundex, N-gram, Double Metaphone, Token, Exact)
- Multi-chain crypto wallet screening (BTC, ETH, TRON, Stellar + stablecoins on Polygon and other EVM chains)
Kora CBA
Modernize your core banking in months, not years
API-first core banking platform with 35 microservices (32 Go + 3 Python AI/ML) and 500+ API endpoints. Double-entry general ledger, deposits & savings, multi-jurisdiction lending with credit bureau integration, enterprise treasury (FX spot/swap, money market, securities, liquidity/ALM), trade finance with SWIFT MT700/701, card issuance with HSM, agent banking, USSD, bill payments, and fraud detection. Includes a full US residential-mortgage origination engine (TILA/RESPA TRID, ATR/QM, HPML/HOEPA, HMDA, MISMO) that books any US mortgage type or size, and a CDFI community-development lending vertical with character-based underwriting and CDFI-Fund TLR/ILR impact reporting. Multi-tenant with RLS, local payment rail integration with provider failover, and admin + customer web portals.
- Double-entry GL (70+ endpoints, 5 financial reports, year-end closing)
- Deposits & savings (current, savings, fixed deposits, virtual accounts)
- Lending (loan products, credit bureau gateway, amortization schedules)
- US mortgage origination engine (TRID timing & tolerance-cure, ATR/QM tiered pricing, HPML/HOEPA, HMDA LAR, MISMO canonical model with ULDD/URLA/UCD/UAD projections)
Kora Digital Banking
Launch a digital bank in weeks under your own brand
Multi-tenant digital banking platform with a 52-screen React Native mobile app (iOS/Android), 59-page Next.js customer web app, 64-page admin portal (deployed on Cloud Run), and Express.js backend with 60+ API endpoints. Includes 6 savings products, 6 loan products, local interbank transfers, multi-provider bill payments (30+ providers), KYC with camera capture and liveness detection via Google Cloud Vision, AI chat assistant, gamification/rewards, and multi-tenant white-label theming.
- 52-screen React Native mobile app (iOS & Android)
- 59-page customer web app + 64-page admin portal (Next.js 14)
- 6 savings products (flexible, target, fixed deposit, piggybank, group/ajo, safelock)
- 6 loan products (personal, business, salary advance, quick cash, asset finance, mortgage)
Kora Sentinel
Protect elderly customers from financial exploitation
AI-powered detection of financial exploitation targeting elderly customers. Behavioral analysis, anomaly detection, and automated case escalation. Isolation Forest ML model with 0.9958 AUC-ROC. Ensemble scoring combines rule-based (50%), ML anomaly (30%), and behavioral (20%) signals.
- AI-powered elder financial exploitation detection
- Behavioral analysis and anomaly detection
- Automated case escalation and alerting
- Isolation Forest ML model (0.9958 AUC-ROC)
Kora Digital Assets
Offer USDC/USDT accounts alongside traditional deposits
Enable banks to offer stablecoin accounts alongside traditional deposits. 4 blockchains (Stellar, Polygon, TRON, Ethereum). Per-tenant isolated hot wallets with HD key derivation. Compliance screening on every transaction. Live with customers across Nigeria, Europe, and the UK.
- 4 blockchain integrations (Stellar, Polygon, TRON, Ethereum)
- USDC and USDT stablecoin support
- Per-tenant isolated hot wallets
- HD wallet derivation (BIP-44)