SikaSikaDigital Infrastructure

Capabilities

One platform. Every banking capability.

KYC, AML, lending, Credit Intelligence, Probitas, Tumi, mobile money, fraud, and susu. Each a first-class module on a single double-entry ledger.

  1. Compliance

    KYC & Onboarding

    Digital customer onboarding and KYC built for regulated African institutions — tiered verification, Ghana Card e-KYC, document capture, and risk rating, wired straight into your core ledger and AML screening.

  2. Compliance

    AML & Sanctions

    Anti-money-laundering that lives inside the core — sanctions and PEP screening at onboarding and on every relevant transaction, with the audit trail examiners expect.

  3. Lending

    Loan Management

    End-to-end digital lending — origination, underwriting with maker-checker, disbursement, repayment schedules, and collections — posting to a double-entry ledger with strict segregation of duties.

  4. Payments

    Mobile Money & Payments

    Mobile money as a first-class rail — collection, disbursement, and reconciliation across the wallets your customers actually use, posting to an idempotent, conserving ledger.

  5. Risk

    Fraud Detection

    Real-time fraud detection built into the core — configurable velocity and behaviour rules, transaction holds, and a tamper-evident audit trail, protecting balances and customers.

  6. Inclusion

    Susu & ROSCA

    Native digital susu and ROSCA — collectors, rotating payouts, agent float, and mobile-money contribution — on the same audited ledger a full bank runs on.

  7. Lending

    Credit Intelligence

    Credit decisions institutions can explain — individuals, retailers, and institutions scored with policy versioning, facilities, and underwriter override, billed as an add-on (included on Enterprise).

  8. Compliance

    Probitas Compliance

    Proven integrity on the payment path: sanctions, KYC method policy, address KYT, and a VASP registry the Digital Bank Gateway can consume without a bespoke integration.

  9. Issuance

    Tumi Institutional Tokens

    Bank-issued tokens with institutional controls: configure, deploy, and operate tumi.token with msig or HSM authority, not a clerk’s personal wallet.

Launch your institution on Sika

From application to a live, compliant bank in weeks, not years.

Apply to run your bankBook a demo