Precision for the Silicon Lagoon.
Built for the complexities of Nigeria's emerging fintech environment — CBN-compliant transaction infrastructure, payment gateway integrations, and digital banking interfaces that meet the highest regulatory standards.
The Silicon Lagoon demands a different standard of infrastructure.
Nigeria's fintech sector is one of Africa's most dynamic — and most regulated. Building for this market requires deep knowledge of CBN circulars, PCI DSS compliance frameworks, and the local payment rails that millions of Nigerians depend on daily.
IBSS brings a decade of enterprise technology experience to every fintech engagement — ensuring your product is not just functional, but fully compliant, resilient, and ready to scale across West Africa.
What we build for you
Full-spectrum fintech infrastructure — from payment rails to investment platforms.
Every Nigerian payment rail, unified.
We integrate all major Nigerian and global payment gateways into your product — from Flutterwave and Paystack to Stripe and Interswitch. Your customers pay how they prefer; you settle in the currency you need.
- Flutterwave, Paystack & Interswitch integration
- Multi-currency wallet architecture
- Bank transfer (NIP) & USSD channels
- Virtual account number provisioning
- Webhook & IPN reconciliation systems
Lending, savings, and investment — built right.
Whether you're launching a neobank, a savings app, or an investment platform, we engineer the full product stack — from KYC onboarding and BVN verification to core banking logic and regulatory reporting.
- CBN e-money issuer compliance
- BVN verification & KYC workflows
- Loan origination & scoring systems
- Fixed savings & ROI calculation engines
- Investment portfolio management APIs
Connect your product to the financial ecosystem.
Nigeria's Open Banking framework is creating new opportunities for data-driven financial products. We implement Open Banking API standards, enabling your platform to access account data, initiate payments, and build intelligent financial tools with consent-based security.
- CBN Open Banking API implementation
- Account Information Service Provider (AISP) integration
- Payment Initiation Service Provider (PISP) flows
- OAuth 2.0 & consent management architecture
- Third-party provider (TPP) developer portals
Built to the CBN standard. Designed for the global market.
Every fintech product we deliver is architected with Nigerian regulatory compliance at its core — CBN Consumer Protection Regulations, NDPA data privacy requirements, and PCI DSS security standards. We don't treat compliance as an afterthought; it is the foundation of every architecture decision we make.
Ready to build for the Silicon Lagoon?
Share your fintech vision. Our engineering team will architect a compliant, scalable, and precision-built solution for Nigeria's payment ecosystem.