Architecture Overview
Our ledger service is built on proven architectural principles designed for financial institutions. Every design decision prioritizes security, compliance, and data integrity while delivering the performance your applications need.
Design Principles
Our architecture is founded on core principles that ensure we can serve financial institutions with bank-grade reliability and security.
🏛️ Security First
Every component is designed with security at its core. From data encryption to access controls, we implement industry best practices to protect your financial data.
🔒 Complete Isolation
Each organization receives completely isolated infrastructure. Your data is logically and physically separated from other customers.
📊 Regulatory Ready
Built-in compliance features meet CBN requirements and financial regulations. Complete audit trails and immutable records support regulatory examinations.
⚡ High Performance
Optimized for financial workloads with sub-100ms response times and support for thousands of concurrent requests.
Security & Compliance
Enterprise-grade security designed for financial institutions and regulatory requirements.
Data Protection
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End-to-End Encryption- Description
All data is encrypted both in transit and at rest using industry-standard encryption.
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Access Controls- Description
Multi-layered authentication with scoped API keys and granular permissions.
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Audit Trails- Description
Complete, immutable audit logs track every change for compliance and debugging.
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Data Residency- Description
Control where your data is stored to meet local regulatory requirements.
Authentication & Authorization
User Authentication
- Secure login with multi-factor support
- Account protection with lockout mechanisms
- Session management with automatic expiry
- Email verification for account security
API Security
- Scoped API keys with granular permissions
- Request signing for sensitive operations
- Rate limiting to prevent abuse
- Usage tracking and monitoring
Permission Scopes
Fine-grained access control ensures API keys only have the permissions they need:
accounts:read- View account informationaccounts:write- Create and modify accountstransactions:read- View transaction historytransactions:write- Process transactionsbalances:read- Query account balancesreports:read- Generate reportswebhooks:manage- Configure notifications
Regulatory Compliance
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CBN Ready- Description
Built-in compliance features for Central Bank of Nigeria requirements.
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Immutable Records- Description
All financial data is append-only, ensuring complete audit trails.
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Data Retention- Description
Configurable retention policies meet regulatory requirements.
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Examination Support- Description
Reports and data exports support regulatory examinations.
Multi-Tenant Isolation
Every customer receives completely isolated infrastructure ensuring security, compliance, and performance.
Complete Data Separation
Each organization gets its own isolated environment with:
- Zero data leakage between customers
- Regulatory compliance through complete separation
- Performance isolation - no noisy neighbor problems
- Custom configurations per organization
- Independent scaling based on usage patterns
This architecture ensures that your financial data remains completely private and secure.
Customer A Environment
├── Isolated data store
├── Dedicated access controls
├── Separate audit logs
└── Custom configurations
Customer B Environment
├── Isolated data store
├── Dedicated access controls
├── Separate audit logs
└── Custom configurations
Automatic Provisioning
When you create a new organization, our system automatically:
- Provisions isolated infrastructure for your organization
- Sets up security controls with proper access permissions
- Initializes audit logging for compliance tracking
- Configures monitoring for performance and health
- Enables backup systems for data protection
Enterprise Support: Large customers can receive dedicated infrastructure for ultimate performance and compliance.
Performance & Reliability
Built to handle mission-critical financial workloads with predictable performance.
Performance Characteristics
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Sub-100ms Response Times- Description
Optimized database queries and efficient caching deliver fast responses.
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High Throughput- Description
Support for thousands of concurrent requests per organization.
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Consistent Performance- Description
Multi-tenant isolation prevents performance degradation from other customers.
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Global Availability- Description
Deployed across multiple regions for low latency worldwide.
Reliability Features
High Availability
- Redundant infrastructure with automatic failover
- Health monitoring with proactive alerts
- Graceful degradation during maintenance
- 99.9% uptime service level agreements
Data Protection
- Automated backups with point-in-time recovery
- Geographic backup replication
- Disaster recovery procedures
- Data integrity verification
Monitoring & Alerting
Comprehensive monitoring ensures system health:
✓ API response times
✓ Error rates and patterns
✓ Transaction processing volume
✓ System resource utilization
✓ Security event monitoring
Our operations team monitors these metrics 24/7 to ensure optimal performance.
Scalability
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Horizontal Scaling- Description
Infrastructure scales automatically based on demand.
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Load Distribution- Description
Traffic distributed across multiple servers for optimal performance.
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Resource Optimization- Description
Intelligent resource allocation ensures efficient utilization.
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Growth Ready- Description
Architecture supports organizations from startup to enterprise scale.
Nigerian Market Optimization
Specific features and optimizations for the Nigerian fintech ecosystem.
Local Compliance
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CBN Compliance- Description
Built-in features for Central Bank of Nigeria regulatory requirements.
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Local Data Storage- Description
Option to store Nigerian customer data within Nigeria.
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Regulatory Reporting- Description
Automated report generation for compliance requirements.
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KYC Integration- Description
Ready for integration with Nigerian identity verification services.
Currency and Localization
- Naira-first design with proper handling of kobo (minor currency units)
- Multi-currency support for cross-border transactions (USD, EUR, GBP)
- Local business hours considered in service level agreements
- Payment rail integration ready for NIBSS, Interswitch, and other local systems
Business Templates
Pre-built account structures for Nigerian fintech business models:
Wallet Providers
- Customer deposit segregation
- Float management accounts
- Fee collection structures
- Regulatory reserve accounts
Payment Processors
- Merchant settlement accounts
- Processing fee structures
- Chargeback handling
- Multi-bank reconciliation
Lending Platforms
- Loan origination accounts
- Interest accrual tracking
- Provision management
- Recovery workflows
Digital Banks
- Customer account structures
- Product-based segregation
- Regulatory capital tracking
- Inter-bank settlement
Getting Started
Ready to build on our secure, scalable platform? Our architecture provides the foundation for sophisticated financial applications.
Next Steps
Quick Start - Set up your organization in minutes - Configure chart of accounts - Start processing transactions - Integrate webhook notifications
Enterprise Setup - Dedicated infrastructure options - Custom compliance configurations - Priority support and SLAs - Implementation consulting
Questions about our architecture? Our team is available to discuss your specific requirements and how our platform can support your financial applications.
Built for Nigerian fintech companies who need bank-grade infrastructure without the complexity and cost of building it themselves.