FINANCIAL SYSTEMS · B2B

Core banking & SACCO software built to inspect.

Modular technology for banks, SACCOs, and digital finance teams — ledgers, payments, and risk — with architecture previews you can review before a production scope.

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Smart Algos Investment Solution Ltd (Kenya)

REFERENCE ENGINES

Financial models in the lab.

SpreadShield, ReconGuard, and GuarantorGraph — architecture previews for deposit retention, payment switch reconciliation, and guarantor risk. Watch demos and request a scoped discussion — packs are not public downloads.

DEPOSITS · RETENTION01

SpreadShield v2

Deposit retention engine

Optimises deposit retention offers from churn probability, market rates, and replacement cost — expected-value savings, not a hard-coded rate.

PythonNumPy

Preview · problem, flow, I/O · request details

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PAYMENTS · RECONCILIATION02

ReconGuard v2

Payment switch reconciliation

Two-phase initiate/callback reconciliation for mobile-money and card switches — HMAC authenticity, idempotent retries, and per-txn variance checks.

PythonDecimal money

Preview · problem, flow, I/O · request details

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CREDIT · GUARANTEES03

GuarantorGraph v2

Guarantor risk engine

Graph-based guarantor capacity, cycle detection, and contagion stress for SACCO / microfinance group lending — with assess/commit separation and SQL audit schema.

PythonNetworkXFastAPI

Preview · problem, flow, I/O · request details

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Core ledger & operations

Double-entry postings, deposit and loan origination, interest accrual, and member-account balancing.

ARCHITECTURE

Payments & open banking

Integration patterns for M-Pesa gateways, card issuing, open banking APIs, and regional real-time settlement.

INTEGRATION DESIGN

Risk & compliance

AML/KYC identity checks, anti-fraud transaction monitoring, operational controls, and regulatory reporting.

CONTROL FRAMEWORKS

ILLUSTRATIVE DEPLOYMENT PATTERNS

Designed around the institution.

Example architecture paths — not customer case studies or claims of deployed production systems.

SACCO & microfinance core

A modular path from member onboarding and savings accounts through loan servicing, interest schedules, reconciliation, and audit-ready reports.

Digital finance & neobank

An integration-first path connecting account services to mobile money, card partners, settlement channels, and operational monitoring.

DESIGNED TO SCALE

Start with the institution, not the stack.

Map the capabilities your team needs, then shape an implementation around your operating model, regulatory environment, and existing systems.

Discuss your architecture
01Member & account services
02Ledger & operations
03Payments & reporting

Illustrative architecture · scope depends on deployment

B2B ARCHITECTURE REVIEW

Bring your requirements to the table.

Use a desk session to discuss engines, integrations, and a practical path forward.

Book a desk review