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Apache Fineract

The engine under the core is Apache Fineract.Open, standard, and yours to keep.

Fineract is the ledger: clients, loans, savings, charges, accounting, permissions. BANKAYO stands it up, supports it, and changes it where your products do not fit the defaults. If you already run Fineract or Mifos, we attach to that instance.

Talk to usConnect your instance
  • Clients: Groups and KYC
  • Loans: Products and repayment
  • Savings: Deposits and interest
  • Shares: Price and holdings
  • Accounting: Charges and journals
  • Reporting: Board and regulator
  • Maker-checker: Approvals
  • Permissions: Roles
  • Audits: Who changed what
  • SMS: Notifications
  • Mobile money: MTN, Airtel, Safaricom
  • Open source: Apache-2.0 on GitHub
Engage

Three ways in

Take Fineract from us, point us at the instance you already run, or start with the changes you need. We do not replace a working Fineract to sell you another one.

Start here
Take Fineract from us
We stand up Fineract, configure products and accounting with you, and operate it. Hosted by us, or on your own server or cloud — your data stays where you choose. Your staff work in the BANKAYO operator workspace, with docs and training behind it.
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Bring the Fineract you already run
Point the workspace at your server and tenant ID — free for the first month or two. We attach our UI to the instance you have and customize around it. Nothing moves, nothing is replaced, and the Fineract API stays the Fineract API.
Connect your instance
Ask for workflow fit
Screens, fields and flows shaped to your process. Products, postings and approvals changed where they belong. SMS notifications and mobile money (MTN, Airtel, and Safaricom) connected to the ledger. Scoped per institution — talk to us about what you actually need.
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Already on Fineract?

Point our workspace at your instance and use it free for a month.

Add your server address and tenant ID at ui.bankayo.io. Nothing migrates and nothing is replaced — we attach to the Fineract you already operate, rather than standing up a second one.

Connect your instanceRead the docs
  • Your own infrastructure
  • First month free
  • Standard Fineract API
FAQ

Fineract questions

The engine, hosting, and what happens if you already run an instance.

Fineract is an open-source core banking engine — clients, loans, savings, charges, accounting, permissions. The engine under your institution is open and standard rather than a private black box.