The Complete Financial Infrastructure Platform
Identity verification, compliance screening, core banking, digital banking, and money remittance — 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, 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. 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)
- Enterprise treasury (FX spot/swap, money market, securities, repos)
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 Remittance
Cross-border payments in 40+ countries via a single conversation
Cross-border remittance platform with 6 microservices (wallet, transfer, AI, platform, notification, plus Kora IDV for identity). Kora, your AI assistant, handles transfers conversationally — just say who to pay and how much, no forms required. Fund wallets via USDC & USDT across 4 blockchains (Stellar, Polygon, Ethereum, TRON) with HD wallet derivation (BIP-44), auto-deposit detection, and secure key management. Settlement in local currencies across 40+ country corridors in Africa, North America, Europe, and Latin America via 3 providers (Rafiki, Yellow Card, Bridge). Competitive FX rates, recurring transfers, rate alerts, and smart reminders. Identity verification powered by Kora IDV. Flutter mobile app, Next.js customer web app, and admin dashboard in 5 languages (English, Spanish, French, Yoruba, Swahili). Stratum Remit, our consumer remittance app serving 40+ country corridors, is built on Kora Remittance — demonstrating the platform's production readiness.
- Kora AI assistant — conversational transfers with no forms
- Wallet funding via USDC & USDT across 4 blockchains (Stellar, Polygon, Ethereum, TRON)
- Settlement in local currencies via 3 providers (Rafiki, Yellow Card, Bridge)
- HD wallet derivation (BIP-44) with secure key management
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. Proven in production — ported from Stratum Remit, 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)