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Veengu
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Core software for banks, fintechs, and modern financial institutions

A modular core banking and payment orchestration platform for banks, fintechs, e-money issuers, mobile money operators, digital wallets, and remittance companies. One stack for profiles, KYC, accounts, transactions, pricing, channels, and the operator back office.

Deployed on AWS · Huawei Cloud · on-premise
END-USER CHANNELS / VEENGU FRONTEND API Mobile apps · Web apps · USSD · WhatsApp bots VEENGU SOFTWARE PLATFORM Profiles & KYC Processes Auth & Notifications Prepaid, current, PnL, settlement account Financial Core (Pricing, FX) Close-Loop Txns & Batches Payment Orchestration Payment Instruments Approval Workflows Agents & Merchants THIRD-PARTY SERVICES / VEENGU INTEGRATION APIs Card Issuers IBAN sponsors / BaaS Incoming Transfers Outgoing Transfers Utility Providers Remittance Corridors KYC & AML Screening Transaction Monitoring e-Commerce portals CRM & Marketing
10+
fintech installations across Middle East, Africa, and worldwide
5M+
accounts on the largest deployment
6,000+
merchant terminals in one customer's network
01 · The dilemma

Three paths to a regulated-fintech platform — only one ships in a quarter

Most operators evaluating Veengu are choosing between two well-known roads with well-known failure modes. The third is what we built Veengu for.

OPTION A
Failure mode

Enterprise core

For tier-one banks
Time to live
6–18 months
Cost band
$ $ $ $ $
  • Just the core, nothing else
    No channels, no operator back office, no partner integrations. All of it is yours to build and own.
  • You are the lowest-priority customer
    A scaling fintech's ticket sits behind tier-one banks. Feature requests land in quarters, not sprints.
  • Tier-one assumptions baked in
    Data model and release cadence designed for a global bank. Your operator workflow gets retrofitted.
OPTION B
Failure mode

In-house build

For lean engineering teams
Time to live
months → years
Cost band
$ $ $ $ $
  • Bus factor on two engineers
    The transactional core ends up living in a couple of heads. Key-person risk compounds every year you stay there.
  • Edge cases iterate forever
    Security holes, audit gaps, and exception handling get discovered one regulator question at a time. Years to reach grade.
  • Roadmap drift, product stalls
    The platform eats the team you wanted shipping product. Two years in, you're running a small core-banking vendor by accident.
OPTION C
Skip the trade-off

Veengu

For regulated fintech operators
Time to live
2–6 months
Cost band
$ $ $ $ $
  • Operator workflow already in the box
    Channels, back office, KYC orchestration, ledger, integrations, reporting — shipped, configurable, customised if required.
  • An engaged vendor at your scale
    Feature requests land in 4-8 weeks. We grow our roadmap alongside our customers, not five tiers above them.
  • Audit-ready from day one
    Built for regulated fintech operators, not retrofitted from a tier-one core. Audit trail, controls, and data exports shipped in.
02 · The platform

One platform for the whole regulated-fintech stack

Profiles, KYC workflows, accounts, transactions, pricing, integrations, customer channels, and the operator back office. Configurable and customisable. Ships with what a licensed operator actually needs to go live.

FOUNDATION

Double-entry ledger

Multi-currency, multi-account, settlement-grade.

OPERATIONS

Operator back office

Approval Workflows, transactions, exceptions.

KYC orchestration

Multi-tier KYC with progressive limits, audit trail.

Configurable monetization

Pricing engine for fees, FX, tiers.

Integrations

Infobip, Mambu, Network, Paymentology, Thunes, etc

Merchant & agent ops

Onboarding, hierarchy, commissions.

Customer channels

Mobile, web, USSD ready integrations.

Cross-border rails

Multiple corridor integrations.

Configurable payments and transfers

No source-code changes for core features.

03 · Future-proof · Enterprise-grade

Built for production at enterprise scale

The non-functional characteristics that separate a fintech platform from a sandbox. Operational discipline, regulator-grade governance, and the architecture decisions that hold up at five million accounts.

01

Scalability & reliability

Horizontally scalable architecture proven in production at multi-million account scale.

99.99%
availability — subject to service plan, deployment design, limited software-update windows, and customer fulfilling its obligations
  • Horizontal scalability
    Stateless services, scale out per component
  • Multi-AZ high availability
    Multi-zone by design
  • Proven scale
    5M+ accounts on a single tenant in production
  • SaaS or on-premise
    Same platform image, same APIs, deploy either way
02

Architecture & technology

Modern stack designed for async integration with external systems.

  • Cloud-agnostic
    AWS, Huawei Cloud, on-premise — your call
  • 300+ documented APIs
    For frontend channels and partner integrations
  • Async integration model
    Webhooks, idempotency, retries built in
  • Config + scripting
    Custom business logic via configurable scripts, no fork required
03

Security & governance

Regulator-grade controls shipped with the platform, not bolted on.

  • Role-based access control
    Granular roles for operator back office and APIs
  • Two-factor authentication
    For back-office users and high-privilege roles
  • Audit trail
    Every state change logged with actor, source, timestamp
  • Extensive logging
    Operational, security, and business-event logs separated and queryable
04

Analytics & operations

A dedicated reporting database so analytics never compete with transactional load.

  • Dedicated Analytics DB
    ClickHouse-backed; separated from the transactional ledger
  • Fast reporting
    Regulatory and operational reports without freezing the core
  • Online configuration
    Pricing, limits, payment parameters, end-user menus — change live, no frontend redeploys
  • Operator back office
    Approval Workflows, task queues — built for daily ops
05

User experience & localization

Operator-facing and customer-facing UX that ships, not slides.

  • Back-office usability
    Designed for daily operators, not for a vendor demo
  • White-label mobile app
    iOS + Android source-available; your brand, your store
  • Multi-language messaging
    End-user messages generated from the core, localized per tenant
  • Online business changes
    Many changes propagate without a mobile app release

Talk to us about your scope.

We respond within three business days. If your inquiry includes a clear scope and budget, we typically follow up with a 30-minute discovery call.

Book a demo Send your scope