Msingi delivers the full Mifos X / Fineract core banking system: clients, products, loans and savings, share capital and double-entry accounting. It then extends it with AI credit scoring, automated eKYC, transaction monitoring, USSD and national-switch interoperability. One clear portal, one modular platform.
Live demo runs on mock data behind a swappable Fineract adapter. No sign-in required.
Back-office for SACCO & MFI staff: members, savings and loan ledger, KYC queue, monitoring and scoring.
Multi-tenant control plane. Onboard institutions and toggle modules per tenant from one console.
The member journey on any feature phone: balances, transfers and instant loan offers over *256#.
Acceptance and settlement for traders, wired to the national instant-payment switch.
Installable, offline-first member app. Balances and loans from the last sync; payments fall back to USSD.
We stand up the full Apache Fineract banking spine first: clients, products, loans and savings, share capital, double-entry accounting and a branch hierarchy. This is a real core banking system, not a wrapper around a few features.
Member records mapped to Fineract clients, assigned to offices and loan officers.
Configurable loan, savings and share products, with interest method, term and charges.
Disbursement, repayment schedules (declining balance / flat) and arrears tracking.
SACCO membership shares issued against a nominal price and share product.
Chart of accounts, automatic journal postings and a balancing trial balance.
Branch hierarchy, staff roles and portfolio-at-risk reporting per branch.
On top of the core, each capability is a module a platform admin enables per institution: the differentiators that answer today's real problems for African SACCOs and MFIs.
Document + liveness verification with a risk-scored review queue for onboarding.
Explainable, alternative-data scorecard tuned for thin-file members.
Real-time AML rules that raise, triage and escalate suspicious activity.
Provider-agnostic gateway so members bank without a smartphone or data.
ISO 20022 messaging to plug into instant-payment schemes like IIPS.
The whole platform talks to one FineractAdapter interface. Today it is backed by an in-memory mock so the product is fully demoable; swap in an HTTP adapter to a live Apache Fineract instance without touching a single screen. Modern-banking modules that Fineract does not ship (scoring, eKYC, AML, USSD, switch) compose on top through the same seam.
// lib/fineract/index.ts
export function getAdapter() {
if (env.FINERACT_MODE === 'http')
return httpFineractAdapter()
return mockAdapter
}
// one interface, six modules
ledger · ekyc · scoring · aml · ussd · switch