Multi-tenant isolation
Institutions never share a customer file. Super-admins can still run group reports without mixing another institution's books.
Platform
Built for supervised African credit operations
OrbitMFI is one multi-tenant core for hire purchase, microfinance, savings and loans, cooperatives, and susu schemes. Isolation, Ghana payment rails, AI decisioning, and Bank of Ghana packs share the same ledger.
Multi-tenant architecture, branch isolation, and Ghana-ready controls.
Stack
Five layers, one book
Every staff click, client-portal payment, USSD collection, and API post lands on the same tenant-scoped ledger.
01
Channels
Staff portal, hire-purchase specialist desks, the white-label client portal, USSD, and a tenant-scoped REST API all post to the same ledger.
02
Application services
Origination, core banking, collections AI, hire purchase, savings/susu, payroll, and Bank of Ghana packs share one client file so nobody is duplicated.
03
Data plane
Postgres with row-level security. Every table is tenant-scoped. Branch RBAC further limits what officers, tellers, and collectors can see.
04
Ghana rails
Paystack and mobile money receipts, SMS/USSD reminders, Ghana Card KYC, credit-bureau files, and GPS watchlists post back as ledger events.
05
Control plane
Dual-control disbursements, attributable audit trails, encrypted backups, and geo-redundant failover with a 99.99% uptime target.
Explore
Open any platform chapter
Each item in the Platform menu loads its own page — architecture, security, Ghana controls, AI, integrations, APIs, and implementation.
Architecture
Channels, application services, tenant-scoped Postgres, and geo-redundant failover.
Open ArchitectureSecurity & isolation
Row-level security, branch RBAC, encryption, and attributable audit trails.
Open Security & isolationGhana & BoG
MPR packs, Ghana Card KYC, PAYE, SSNIT, and credit-bureau files from posted books.
Open Ghana & BoGAI & decisioning
Credit scores, collections ranking, fraud signals, and in-product coaching.
Open AI & decisioningIntegrations
Paystack, mobile money, SMS, GPS watchlists, and webhook receipts back to the ledger.
Open IntegrationsImplementation
A two-to-four week go-live with migration, training, UAT, and on-call cutover.
Open ImplementationControls
Bank-grade by default, not as an add-on
Tenant isolation, dual control, and examiner-ready extracts are how the platform is built — not a later hardening project.
Real-time ledger
Loans, hire-purchase instalments, susu receipts, and payroll journals post immediately. Month-end is a close, not a reconstruction.
Geo-redundant hosting
Multiple availability zones, automated failover, and edge caching so branch and field staff stay productive on 3G.
Idempotent money movement
Disbursements and collections carry idempotency keys so retries from MoMo or Paystack never double-post.
Branch cash discipline
Teller limits, vault dual-control, and officer assignment keep cash on the same book examiners sample.
White-label portals
Clients see your name, colours, and logo. The operating core underneath stays OrbitMFI.
APIs
The same ledger your operators already use
Originate a loan, post a MoMo receipt, or register a webhook without a second database. Keys are tenant-scoped. Disbursements are idempotent.
- POST /v1/clients — Ghana Card KYC upsert
- POST /v1/loans — originate with dual-control flags
- POST /v1/repayments — idempotent collections
- GET /v1/hp/agreements — hire-purchase contracts
- POST /v1/webhooks — receipt and loan events
Platform menu, mapped
Every Platform dropdown item is a real page. Nothing here sends you to login.
Platform overviewArchitecture, isolation, Ghana rails, and APIsArchitectureMulti-tenant core, ledger, and geo-redundancySecurity & isolationRLS, encryption, audit trails, and RBACGhana & BoGMPR packs, Ghana Card, PAYE, and SSNITAI & decisioningScoring, collections ranking, and coachingIntegrationsMoMo, Paystack, SMS, GPS, and bureauxAPIs & webhooksREST, idempotency, and event callbacksImplementationTwo-to-four week guided go-live
Watch
See the operating model
Origination, collections, the client portal, and month-end — the same walkthrough your implementation lead uses.
Step 1
Onboard with Ghana Card KYC
Capture identity, photos, and next-of-kin once. Reuse the file across loans, savings, and hire purchase.
Step 2
Originate and schedule
Price reducing-balance or flat-rate products, lock a schedule, and disburse with dual control.
Step 3
Collect in the market
SMS, USSD, MoMo, and field queues post to the same instalment so PAR is honest.
Step 4
Let customers self-serve
The client portal shows the live savings balance, loan due, and HP statement — then takes payment.
Step 5
Close the month on the same ledger
Provisions, MPR packs, payroll, and the GL share one book examiners can sample.
Platform questions
Architecture, isolation, modules, and go-live timing.
Run your next book on OrbitMFI
Start a 14-day sandbox or talk to an architect about hire purchase, microfinance, and multi-branch cores.