Accounts
Issue current, sub- and virtual accounts to your own users under the Phoenix licence.
Infrastructure
The rails under the account.
The console is just one client of the Phoenix API. Issuing accounts, moving money, reading the ledger — anything it does, your code can do.
The stack
Four services, one ledger.
Every service writes to the same double-entry ledger, so there is no reconciliation step between them.
Payments
NIP inbound and outbound, bulk payouts and card acquiring, settled the same day.
Ledger
A double-entry ledger you can query per account and per cycle, exportable for audit.
Webhooks
Signed, replayable events for every state change, delivered at least once.
Operations
Run like a bank, not a side project.
These rails carry regulated money, so the operational commitments are published rather than promised.
Published uptime
99.98% across the trailing twelve months, reported per service.
T+0 settlement
Funds settle the same day, into the balance the console reads from.
Named support
An engineer on call, and an escalation path that ends at a person.
- API uptime, trailing 12 months
- 99.98%
- Settled in the last 24 hours
- ₦412M
- Standard settlement cycle
- T+0
- Median time to live account
- 3 days
Compliance
Regulated first, fast second.
Phoenix holds the licence, the settlement account and the audit trail. You get the rails without inheriting the paperwork.
CBN licensed
Operating under a Central Bank of Nigeria licence.
NDIC insured
Customer deposits are insured to the statutory limit.
Audited ledger
Double-entry ledger, exportable for every reporting cycle.
PCI DSS L1
Card data handled inside a Level 1 certified environment.
Ready to move money faster?
Tell us your volumes and we will map the rails to them.