Plug in anything. Ship faster. Keep what's working.
Pre-built connectors for the partners you already use. An open API layer for everything you'll add next. And an architecture that treats every integration as a first-class part of the platform, stable, versioned, governed, and fast enough for real-time banking.
One core. Every partner in your market.
The institutions growing fastest in emerging markets are not the ones that built everything themselves. They are the ones that connected the right services, KYC providers, payment rails, fraud tools, credit bureaus, messaging platforms, quickly and reliably, and then focused their engineering capacity on the products that differentiate them.
Oradian's integration layer is designed for exactly this. Pre-built connectors reduce setup time from weeks to days for the most commonly needed services in our markets. Open REST APIs give your engineers access to connect anything that isn't already there. And a stable, versioned, backwards-compatible API layer means the integrations you build today still work eighteen months from now, without Oradian breaking them.
The result is an ecosystem architecture where your core is the hub, every partner connects cleanly, and your engineering team spends its time building product, not maintaining connections.
Payments, KYC, bureaus, fraud, comms, accounting, connect the stack you want.
Pre-built around the providers, rails and data sources institutions in our markets actually use, not Western European fintech ecosystems.
Out-of-the-box connectors
A curated library of integrations with leading providers across payments, identity verification, credit bureaus, fraud detection, messaging and accounting, pre-built, tested and maintained. Reduce integration time from weeks to days.
Versioned and stable
Every API is versioned. Older versions remain supported when new ones are released. Your integrations don't break when Oradian ships a platform update, what you deploy today still works in production a year from now.
Event-driven by default
Webhooks and real-time event streams trigger downstream actions the moment something happens in the core, a transaction completes, a loan is approved, a balance falls below a threshold, a fraud alert fires.
Low latency for real-time banking
Authorisations, balance checks and notifications in milliseconds, not seconds. When your customers expect instant, your integration layer cannot be the bottleneck.
Governed and auditable
Every integration is scoped, logged and key-rotated. API access is controlled at the individual key level. Integration activity is auditable. No shadow connections, no uncontrolled data flows, no compliance surprises.
Developer-first experience
Comprehensive documentation, sandbox environments and SDKs your engineers will actually want to use. An AI agent trained on our API documentation enables your team to build and debug faster.
Every layer of the banking stack.
Payments and payment rails
InstaPay, PESONet, NIP, SWIFT, local instant payment schemes and card networks. Connect to the rails your customers use, and add new ones as payment infrastructure in your market evolves.
Identity and KYC
Real-time biometric verification, document scanning, liveness detection, BVN and NIN validation in Nigeria, PSN/PhilSys in the Philippines, and equivalent identity infrastructure across our markets.
Credit bureaus and alternative data
Local credit bureaus for formal credit history checks and alternative data providers, telco, utility, e-commerce, for borrowers without a credit file. The data modern AI credit scoring depends on.
Fraud and AML
Third-party fraud detection engines, sanctions screening services and AML monitoring tools connect to Oradian's real-time event streams. Fraud checks run in the transaction path, before completion, not after.
Customer communications
SMS gateways, push notification services, email platforms and in-app messaging, all triggered by events in the core. Delivered through the channels your customers actually use.
Accounting and ERP
Connect your accounting software, ERP or financial reporting platform. Real-time GL data flows to the systems your finance team uses, without manual exports or reconciliation delays.
AI and analytics tools
Connect your BI platform, data warehouse, AI model serving infrastructure or analytics tools to Database Access. Complete, continuously updated data, available for the tools your teams already use.
An integration experience worth building on.
REST APIs with full coverage
Every capability in the platform is accessible through REST APIs, accounts, transactions, loans, customer profiles, compliance events, all through the same consistent, documented API layer.
Sandbox environment
A full sandbox that mirrors production for integration testing. Test against realistic data and transaction flows without any risk to live customers or production data.
Webhook delivery guarantees
Events are delivered with retry logic and delivery guarantees. If your endpoint is temporarily unavailable, events are queued and redelivered. Your systems don't miss events.
Idempotent API design
All write operations are idempotent, safe to retry without creating duplicates or double-posting transactions. When networks fail, your books don't get confused.
Granular API key management
Separate keys for separate systems. Fine-tune permissions at the key level, read-only for analytics, transaction keys for payments, admin keys for configuration. Every key has a defined scope and audit trail.
AI-native integration support
Our AI agent, trained on our API documentation and integration patterns, enables your team to build and troubleshoot integrations faster. Describe what you're trying to connect; the agent helps you work out how.
Connect your stack in one sprint.
Pre-built integrations across KYC, payments, fraud and analytics, versioned APIs your team can build on.
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