The core banking OS built for African MFIs
Digitize deposits, automate loans, generate CBN reports in one click — go live in 4 weeks, not 6 months. Non-custodial by design: your money stays in your account.
Trusted by leading financial institutions across Africa
Still running your institution on spreadsheets?
Most African financial institutions lose thousands of hours yearly to manual processes, disconnected tools, and compliance nightmares.
Manual Processes
Slow teller operations, paper-based forms, and error-prone manual entries costing you time and money every single day.
Compliance Headaches
CBN and BoG regulatory reports taking days to compile. Audit preparation consuming entire teams for weeks.
Disconnected Systems
No single view of customers, loans, and accounts. Data scattered across spreadsheets and siloed software.
VaultCore replaces all of this with one platform.
See how it worksEverything you need to run a modern financial institution
From daily teller operations to GL accounting, regulatory reporting, and beyond — VaultCore handles it all.
Teller Operations
Process deposits, withdrawals, and transfers in seconds. Real-time till balancing with complete audit trails.
Savings Accounts
Flexible savings products including target savings, daily Susu contributions, and voluntary deposits.
Fixed Deposits
Term deposits with configurable tenors, interest rates, automatic rollover, and maturity notifications.
Loan Management
End-to-end loan lifecycle from application to recovery. Multiple repayment schedules and interest methods.
Investment Products
Create and manage investment products with flexible returns, tenors, and automated interest computation.
Go live in 4 simple steps
From onboarding to your first live transaction in as little as 4 weeks.
Get Onboarded
Reach out to our team and get your institution set up. We handle provisioning and initial configuration.
Configure
Set up your products, chart of accounts, branches, and user roles. Our team guides every step.
Migrate
We import your existing customer data, loan portfolios, and account balances with full validation.
Go Live
Launch with confidence. Your team is trained, data is verified, and support is standing by.
Purpose-built for African financial institutions
Whatever your institution type, VaultCore adapts to your workflows and regulatory requirements.
Microfinance Banks
Full CBN-compliant core banking with prudential reporting, multi-branch management, and maker-checker workflows designed for licensed microfinance banks.
See VaultCore in action
A modern, intuitive interface designed for speed and productivity.
Real-time portfolio overview with KPIs, charts, and transaction activity.
Powering financial inclusion across Africa
Everything built in, bring your own payments
Identity, KYC, compliance, and communications work out of the box. We're non-custodial — your money stays in your own accounts. Just connect your preferred payment provider and go.
Works out of the box
Identity & KYC
Tiered KYC verification with BVN, NIN, and document validation — ready from day one.
SMS & Notifications
Automated alerts, OTPs, and customer communications — no extra setup needed.
Compliance & Reporting
AML/CTF monitoring, audit trails, and regulatory reports — built into every transaction.
Bring your own payment provider
Connect the payment processors you already use. Your funds stay in your own bank account — VaultCore gives you the tools, not custody of your money.
FlutterwaveInterswitchProvidusNIBSSNeed a custom payment integration? Our OpenAPI 3.0 spec makes it easy to connect any provider.
Trusted by banking leaders across Africa
“VaultCore transformed our operations. What used to take our tellers 5 minutes per transaction now takes under 30 seconds. Our customers love the speed.”
“The regulatory reporting alone saved us countless hours. One-click CBN reports that used to require a whole team for a week. Game changer for compliance.”
Transparent pricing that scales with you
Per-staff pricing. No hidden fees. No per-transaction charges. Start free and upgrade as you grow.
Starter
Everything you need to get started at no cost
- Core banking operations
- Basic loan management
- Standard reports
- Email support
- 100 free transactions/month
Growth
For growing institutions scaling their operations
- Everything in Starter
- Advanced loan products
- Fixed deposits
- Multi-branch (up to 3)
- API access
- Priority email support
- 1,000 free transactions/month
Business
Advanced tools for established financial institutions
- Everything in Growth
- GL accounting
- Maker-checker workflows
- KYC management
- Vault management
- Investment products
- Custom reports
- Phone + email support
- 10,000 free transactions/month
Enterprise
Full-suite access with dedicated support and unlimited capacity
- Everything in Business
- Unlimited branches
- White-label branding
- Custom integrations
- Dedicated account manager
- 24/7 phone support
- SLA guarantees
- Source code escrow
Bank-grade security, built in
Enterprise-level security and compliance features that keep your institution and customers safe.
Data Encryption
AES-256 encryption at rest and TLS 1.3 in transit. Your data is protected at every layer.
CBN/BoG/CBK Compliance
Built to meet central bank requirements across Nigeria, Ghana, Kenya, and other African markets.
KYC/AML/CTF
Integrated identity verification, transaction monitoring, and suspicious activity reporting.
Immutable Audit Trail
Every action logged, timestamped, and tamper-proof. Complete accountability for regulators.
Role-Based Access Control
Granular permissions by role, branch, and action. Maker-checker for sensitive operations.
Data Sovereignty
Tenant-isolated databases. Your data stays in your jurisdiction. Full export on demand.
Ready to modernize your institution?
Join 50+ African financial institutions already using VaultCore to serve their customers better.
Frequently asked questions
Still have questions? Contact our team
Ready to transform your operations?
Fill out the form and our team will get back to you within 24 hours.
See it in action
Schedule a personalized demo to see how VaultCore can transform your institution.
Request Demo