SikaSikaDigital Infrastructure

Sika Digital Infrastructure

SIKAmeans gold.

Launch a compliant, white-label bank or MFI in weeks.

  • Core ledger
  • Ghana Card KYC
  • Lending
  • Mobile money
  • Susu track
Book a demoApply to buildPriced by the size of your book

Wired into the rails Africa runs on

MTN MoMo · Vodafone Cash · AirtelTigo · Ghana Card · Paystack · Twilio

The core

Every posting conserves.To the pesewa.

The operator ledger, not a dashboard. Credit a member, debit a Susu payout, and the books still sum to zero. Tested, not hoped for.

How isolation and conservation work

Unity MFI

Operator ledger

Tenant isolated

PostedMemoGHS
14:02:11CRMember deposit · savings2,450.00
14:02:11DRSusu cycle payout2,450.00
ΣConserved0.00
Idempotent keys. Atomic conditional debits. Balances that must equal history before the next write.

Why institutions choose Sika

A core that behaves like a bank should.

  • Yours, entirely

    Your brand, subdomain, data and ledger. Isolation on every request, fail-closed.

  • A ledger that always balances

    Double-entry, idempotent, atomic. No drift, no races, tested nightly.

  • Compliance in the grain

    Tiered KYC, Ghana Card, AML and CTR monitoring, immutable audit, four-eyes.

  • Built for African rails

    MTN, Vodafone, AirtelTigo, Paystack. SMS and WhatsApp built in.

Capabilities

The same core in every plan.

Plans differ by the size of your book, not by which bank you get.

See what’s included

In every plan

Susu track

Paid add-on

The path

From KYB to a live tenant.

01

Apply

Your institution, plan and operators.

02

KYB review

Registration, directors, clearance.

03

Provision

An isolated tenant, in minutes.

04

Go live

Brand it, switch on the rails, attest.

Pricing

Priced by the size of your book.

  • Priced by the size of your book
  • Ghana Card in the base
  • Pay by MoMo or card
See plans

Security

Isolation you can prove.Money that always adds up.

Built for the questions your regulator, auditor and board will ask.

Read the security brief
  • Per-request tenant isolation, fail-closed
  • Double-entry ledger, conserved to the pesewa
  • Idempotent, atomic money movement
  • Maker-checker on every money path
  • Argon2id, JWT, CSRF, staff MFA
  • Immutable audit log and AML monitoring

Questions

Before you apply.

What is Sika?

Core banking as a service for African banks, MFIs, credit unions and Susu operators: a white-label tenant with a double-entry ledger, KYC, payments and the modules your licence needs.

How long to go live?

Your tenant is provisioned minutes after KYB approval. Branding, modules and the go-live attestation take weeks, not a multi-year core replacement. An existing book comes in by CSV, checked and reconciled.

What does it cost?

Plans are priced by the size of your book, priced by the size of your book. Launch, Scale and Enterprise are the same core; Community is the Susu track. Probitas and Tumi are premium add-ons on every plan.

Can we leave?

Yes. A complete copy of your book, under four-eyes, from your own console, whenever you ask. A bank that cannot take its data has been sold a dependency, not a platform.

SIKA

Build the bank your community deserves.

Apply today. Your tenant is provisioned before your next board meeting.

Apply to build
Sika Digital Infrastructure: Core Banking as a Service for Africa