FOBO CORE
M-Pesa deposit+4,200.00
Loan disbursed18,000.00
Interest accrual+612.40
LEDGER live
RTGS settlement140,000.00
Dividend payout+53,140.00
Fee reversal+50.00

Core Banking
for SACCOs that refuse to stay behind.

We help you move off legacy systems without touching live operations. Your data migrates clean, your staff learn fast, and your members notice nothing except things getting better.

TRUSTED BY LEADING INSTITUTIONS · HOVER FOR DETAIL

01 — PLATFORM

The complete core banking engine.

Every module writes to the same double-entry core — no reconciliation jobs stitching accounting, savings, and loans back together at month end.

Double-entry ledger

Every posting balances by construction. Immutable, append-only, queryable back to opening.

→ core module

Real-time settlement

M-Pesa, RTGS, inter-SACCO transfers settle as they clear — not on a nightly batch.

→ settlement engine

Audit & compliance

SASRA-aligned reporting, full history, tamper-evident logs examiners can query directly.

→ audit trail

Loan & savings products

Configure interest, penalties, and terms without shipping code.

→ product studio

API-first integration

REST & webhooks for every ledger event — build your own mobile app or core screens.

→ dev portal

Fraud & anomaly detection

Velocity checks and pattern rules score every posting in-line, before it hits the ledger.

→ security layer

02 — SECURITY

Cut like a foundation stone,
not poured like concrete.

An ashlar block is dressed and fitted before it ever bears weight. Our ledger works the same way: every account, posting rule, and integration is verified before it touches a real balance.

defense in depth

Zero-trust security

AES-256 at rest, TLS 1.3 in transit, hardware-backed key storage per tenant with continuous monitoring and automated threat response.

99.99% uptime SOC 2 Type II ISO 27001
256
BIT ENCRYPTION
AES-256-GCM

Immutable audit trail

Every posting, override, and reversal is logged with actor, reason, and timestamp — permanently.

→ tamper-evident | ✓ blockchain-verifiable
RBAC

Role-based access

Teller, supervisor, and auditor roles enforced at the API layer, not just in the UI.

granular scoped auditable
AI-POWERED

Real-time threat detection

Anomaly detection and pattern recognition scores every posting in-line, before it hits the ledger.

real-time 24/7 monitoring
✓ COMPLIANT

Enterprise-grade compliance

Built for regulated financial institutions from day one.

ISO 27001 PCI DSS L1 SASRA Data: KE
← all certifications maintained

THE NUMBERS SO FAR

99.992.%

Ledger uptime, 12 mo

340ms

Posting to settlement

KES 41B

Monthly volume

14

SACCOs & lenders

Move your ledger off the .. .legacy core .

Talk to our team about a parallel-run migration — most institutions cut over within a quarter.

no obligation | parallel-run migration | cutover in 1 quarter