Modules
Every module a bank
needs, on one ledger.
Start with what your license requires and add the rest as you grow. Every module posts to the same real-time general ledger, so there is nothing to reconcile overnight.
General ledger
Real-time double-entry books across entities and currencies. Every posting is immutable and balances to the kobo.
Deposits & savings
Current, savings, fixed and target deposits with tiered rates, daily accrual and automatic withholding tax.
Lending
Origination to collection: schedules, penalties, restructures and IFRS 9 staging, with provisions posted daily.
Customers & KYC
Tiered KYC with BVN and NIN checks, sanctions screening and a single view of each customer across channels.
Channels & payments
NIP, cards, USSD and agent banking post straight to the ledger through Betta Pay, with no batch files in between.
Regulatory reporting
CBN, NDIC and NFIU returns built from live ledger data, validated against the templates and filed on schedule.
Product factory
Launch a product in
days, not quarters.
Configure rates, tenors, fees, limits and GL mapping without writing code. Products go through maker-checker review, then publish to every channel at once.
- Tiered and promotional rates, with backdating
- Maker-checker approval with a full audit trail
- Sandbox simulation before anything goes live
- Versioned products, so existing accounts stay on their terms
Real-time ledger
Every transaction posts
the moment it happens.
No suspense accounts waiting for end of day. Each event is validated, journaled in balanced double entry and reflected in the customer's balance in milliseconds.
Immutable by design
Corrections are reversals, never edits. Auditors see every change.
Multi-entity
Run a holding company, its bank and its MFB on one consolidated core.
Multi-currency
NGN, USD, GBP and EUR books with daily revaluation at CBN rates.
Migration
Leave your legacy core
without a big bang.
We run Betta Core in parallel with your current system, reconcile both ledgers daily, and only cut over when every balance matches.
- 01Weeks 1–3
Assess
We profile your data, products and integrations, and map each legacy GL to the Betta chart of accounts.
- 02Weeks 4–10
Parallel run
Both cores process live traffic. Automated reconciliation flags any balance that drifts by even one kobo.
- 03One weekend
Cutover
A rehearsed, reversible switch over a weekend, with a signed balance certificate before Monday opens.
- 0490 days
Hypercare
A named squad on call around the clock while your teams settle in, then hand-off to 24/7 support.
Migration tooling for Finacle, Temenos T24, Oracle Flexcube and in-house cores, with field-level data lineage.
See the migration playbookWho it's for
One core, configured
for your license.
Betta Core ships with product templates, charts of accounts and return schedules for each CBN license category, so you start from a working bank, not a blank system.
Commercial banks
National and regional licenses. Multi-entity books, treasury positions and the full CBN returns calendar.
Microfinance banks
Unit, state and national MFBs. Group lending, agent networks and NDIC deposit insurance reporting.
Payment service banks
High-volume, low-value accounts with tiered KYC, wallet limits and USSD-first onboarding.
Non-interest banks
Mudarabah, murabaha and ijarah products with profit-sharing pools and Shari'ah board reporting.
See Betta Core run your books.
Send us a month of anonymised data. We load it into a sandbox and walk your team through it live, in about two weeks.