finos
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NewUSD cards funded from Naira, reconciled on every leg

Launch a fintech app. Skip the infrastructure.

finos lets creators and first-time founders design, launch and scale a real financial app without an engineering team, a ledger build or a compliance programme. You shape the product. We run the money underneath it.

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Free sandbox with test money. No card required.

Kudi Wallet/Designer/HomeSandboxPublish to Preview
iPhone 16 · family.ledger

Good morning

Adaeze
AO
Naira walletKudi
₦248,500.00
Send
Add money
Cards
Airtime
Recent activity
MT
MTN airtimeToday, 08:12
−₦2,000.00
$
USD card top-upYesterday · $4.00
−₦5,490.04
TB
From Tunde BakareMon, 17:40
+₦50,000.00
Why finos

The four things that stop most fintechs before launch.

A financial app is mostly the parts customers never see. finos gives you all of them on day one, so your time goes into the product people do see.

Infrastructure

Partner banks, card processors, bill aggregators and liquidity, each integrated by hand

Every rail is connected, monitored and ready. Switch a product on in the console.

0 integrations to build

Engineering

A mobile team, a backend team and a ledger nobody wants to own

Design in the browser. We render a native iOS and Android app from your design.

0 lines of code

Compliance

KYC vendors, transaction limits, audit trails and a reconciliation backlog

Identity tiers gate every money path. Every provider leg is reconciled automatically.

Controls on by default

Operations

Support tools, fee settings, refunds and an on-call rota for stuck payments

One console for customers, fees, limits and cases, with the platform watching the rails.

Platform monitoring included

Time to first customer

Illustrative. Typical in-house build versus a finos launch, in months.

01234567891011121314
Building it yourself
Banking & card partners
Core ledger & wallets
KYC & limits
Mobile apps
Security review & launch
~14 months
With finos
Design, configure, test, launch
3 weeks
Money products

Everything a modern money app does, ready to switch on.

Each product arrives with its customer journey, its limits and its back-office tools. Turn on what your customers need now and add the rest when they ask for it.

Wallets & accounts

Named accounts customers can fund by bank transfer, with balances in Naira and dollar stablecoins.

  • NGN
  • USDC
  • Instant credit

Virtual cards

Dollar cards for online spending, funded straight from a Naira wallet at a rate the customer sees first.

  • Virtual USD
  • Freeze · unfreeze
  • Top up

Bills & airtime

Top-ups and bill payments across every major network, TV provider and electricity distributor.

  • airtime
  • mobile data
  • tv
  • utility
  • internet
  • betting

Transfers & payouts

Send to any Nigerian bank account, or between customers in your app, confirmed with a PIN.

  • Bank payouts
  • P2P
  • Name check

Crypto & stablecoins

Buy, sell, hold and send digital assets from a catalogue you choose, with on-ramps from local currency.

  • Buy · sell
  • Send · receive
  • On/off-ramp

Onboarding & KYC

Phone sign-up, identity checks and tiered limits that decide what each customer is allowed to do.

  • OTP
  • BVN
  • Tiered limits
How a launch works

From an idea to an app in your customers' hands.

The path every app takes on finos. Most teams finish it in under a month, and nobody on the team writes code.

  1. 01

    Design

    Pick a design family, set your brand, and arrange each screen in the Designer.

    Days 1–5
  2. 02

    Configure

    Switch on money products, set fees and limits per identity tier, and invite your team.

    Days 3–8
  3. 03

    Preview

    Publish to the Preview app and run every journey on a real phone with sandbox money.

    Days 8–15
  4. 04

    Launch

    Go live under your brand. Scale from your first hundred customers to your first million.

    Day 21
Compliance & controls

Built to the standard your partner bank will ask about.

The checks a regulated fintech runs are part of the platform. They are on before your first customer signs up, and they stay on as you grow.

  • Identity gates every money pathA customer can only move money their KYC tier allows.
  • Every provider leg is reconciledYour ledger is matched to the provider's record, line by line.
  • Append-only audit trailEvery change to money settings records who made it and who approved it.
  • Separation of dutiesFee and limit changes need a second person before they go live.
Card top-up · reconciliationref 01a10fac
Debit · customer walletNaira wallet
₦5,490.04Settled
Conversion · rate shown to customerNGN → USDC
₦1,372.51Matched
Credit · settlement positionUSDC
4.000000Settled
Provider order · 201 CreatedCard funding
$4.00Matched
Card balanceVirtual USD •••• 4021
$4.00Posting
Both ledger legs exactReconciled
Example record. Each leg of a card top-up is checked against the provider before the card is credited.
Platform

Built like a bank's core, not a website builder.

finos keeps the place where you design and configure apart from the place where money moves. A change you make in the console can never interrupt a payment in progress.

Control plane

Your console

Where your team designs the app and decides how it behaves.

  • Designer and design families
  • Products, fees and tier limits
  • Team roles and approvals
  • Customer support and cases
Runtime plane

Your customers' money

Where every payment runs, against a config snapshot that only changes when you publish.

  • Double-entry ledger per customer
  • Provider dispatch and retries
  • Automatic reconciliation
  • Native iOS and Android runtime
Who builds on finos

For people with customers, not a fintech team.

You bring the audience and the idea. We bring everything a regulated money app needs to serve them.

Creators

Give your community a wallet, a card and payments that carry your name, and earn on every transaction.

Your audience already trusts you. Now they can bank with you.

Founders

Test a fintech idea with real customers in weeks, and raise on traction instead of a roadmap.

Spend your first round on customers, not on a ledger.

Businesses

Add accounts, cards and bill payments to the business you already run, under your own brand.

Financial products as a feature of what you already sell.

Your fintech, live this quarter.

Start in the sandbox today. Design your app, test it on your phone with test money, and talk to us when you are ready to go live.

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