A shared operational source
Customer, account, product, transaction, loan, deposit, approval and ledger information can be managed through connected workflows rather than isolated records and offline reconstruction.
COREWAVE CBA · BY PINTOP TECHNOLOGIES
One banking core.
Multiple institutions.CoreWave CBA — a core banking platform for Nigerian financial institutions.
One core banking platform for managing customers, accounts, transactions, deposits, lending, approvals, general ledger activity, reporting and connected digital channels — through a single controlled operational system.
Lagos, Nigeria
Built for regulated and structured financial operations
Microfinance · Mortgage · Digital lending · Cooperatives · Financial groups · Legacy migration
WHY ONE CORE
The core should support growth,
not slow it down.
Fragmented systems force teams to repeat work, rebuild reports, reconcile disconnected records and wait for difficult integrations.
CoreWave CBA brings essential banking activity into one controlled environment.
Configured around the institution
Products, permissions, workflows, limits, accounting mappings, reports, integrations and deployment responsibilities are scoped for each implementation.
Architecture
One platform foundation for many institutions.
Financial foundation
Product activity connected to the ledger.
Connectivity
APIs for channels and partner services.
Operational control
Roles, approvals and attributable activity.
ONE PLATFORM. MANY INSTITUTIONS.
One platform.
Governed boundaries.
CoreWave CBA can support multiple institutions or financial business entities within one governed platform — while maintaining controlled institutional boundaries.
- One platform foundation
Shared platform capabilities administered centrally, while institution-level products, users, branches, records and configurations remain separated.
- Institution separation
Institution-specific customers, accounts, transactions, products and operational records.
- Institution administration
Institution-level users, roles, branches, permissions and approval structures.
- Independent configuration
Product rules, limits, fees, workflows, reports and accounting mappings configured for each institution.
- Controlled access
Access boundaries and privileged operations managed through defined roles and attributable activity.
SEE THE INSTITUTION THROUGH OPERATIONAL VIEWS
One operating picture.
Six focused views.
Each area connects to the same underlying customer, account, transaction and financial information — rather than becoming another disconnected module.
INSTITUTION-WIDE VISIBILITY
Executive Overview
Review deposits, loans, revenue, customer activity, portfolio position and operational exceptions through a consolidated management view.
- Deposit and loan position
- Customer and transaction activity
- Revenue and income tracking
- Portfolio and collection trends
- Branch and teller activity
- Operational exceptions and approvals
ACCOUNTS, POSTINGS AND APPROVALS
Banking Operations
Manage customer accounts, internal postings, transfers, reversals, teller activity, limits and maker-checker approvals through controlled workflows.
- Customer and account servicing
- Transfers, postings and reversals
- Branch and teller operations
- Cash suspense and vault operations
- Overdraft and lien servicing
- Configurable approval stages
ORIGINATION THROUGH COLLECTION
Loan Portfolio
Configure loan products and manage assessment, approval, disbursement, repayment schedules, arrears, restructuring and portfolio monitoring.
- Product and interest configuration
- Approval and disbursement workflows
- Repayment schedules and collections
- Loan fees, charges and penalties
- Arrears and portfolio classification
- Write-off and provisioning
FINANCIAL ACTIVITY CONNECTED TO THE LEDGER
GL & Reports
Map product activity to ledger accounts and review journals, trial balance, financial statements, reconciliation and attributable audit history.
- General ledger mappings
- Journals and accounting periods
- Trial balance and financial outputs
- Currency and FX configuration
- Reconciliation and audit records
- Regulatory snapshot reports
CONTROLLED BUSINESS-DATE PROCESSING
EOD Automation
Coordinate end-of-day checks, accruals, depreciation, scheduled repayments, balancing and opening of the next business date through a visible workflow.
- Pre-close validation
- Accrual and depreciation processing
- Loan and deposit lifecycle events
- Statement and invoice generation
- GL balancing and date opening
- Business-date catch-up
CONTROLS AROUND SENSITIVE ACTIVITY
Risk & Compliance
Monitor selected exceptions, customer-review activity, privileged actions, approval requests and operational compliance information.
- Maker-checker controls
- Role and access monitoring
- Fraud monitor and AML holds
- Alert and exception review
- Two-factor authentication
- Audit and compliance visibility
Module availability and configuration depend on the selected deployment scope, institution type and implementation requirements.
WHAT'S INSIDE THE CORE
A deep capability set.
Organised, not overwhelming.
Every module below opens into the real features running under the hood — grouped so you can scan the surface and drill in where it matters.
8Connected modules
—Named capabilities
33Automated lifecycle jobs
12Provider integrations
Customers & KYC Customer records, identity information, relationships, mandates, restrictions and account-opening workflows. capabilities
- Customer records & onboarding
- Onboarding & review workflows
- Corporate customers
- Identity & document records
- Relationships & linked accounts
- Account officers & reassignment
- Agents & agent management
- Direct-debit mandates (Mono, Recuva)
- Mandate status sync
- Restrictions & status controls
- Customer statements on demand
- Credit bureau checks (CRC)
- SMS notifications (Termii)
- Email notifications (SMTP)
- Two-factor authentication
Accounts & deposits Account classes, fees, limits, status controls, interest rules and product-specific configuration. capabilities
- Current & savings products
- Fixed deposit products
- Placements & pre-maturity lifecycle
- Fixed deposit certificates
- Rollover & maturity instructions
- Interest rules & tiers
- Overdraft facilities & fees
- Liens & lifecycle events
- Mobile till accounts
- POS till accounts
- Vault & cash accounts
- Cash suspense accounts
- Cheque clearing accounts
- Overage & shortage accounts
- Virtual accounts for channels
- Account status controls
- Interest accrual automation
Lending Origination, schedules, disbursement, collection, delinquency, restructuring and portfolio reporting. capabilities
- Loan product configuration
- Interest configuration
- Group lending
- Origination & assessment
- Approval & disbursement workflows
- Repayment schedules
- Collections & arrears
- Delinquency classification
- Restructuring
- Loan fees & charges
- Penalty accrual
- Prepayment & amortization
- Refinance & reversals
- Write-off processing
- Prudential provisioning
- Loan certificates
Transactions & postings Postings, transfers, standing instructions, bulk activity, reversals, fees and transaction approvals. capabilities
- Postings & transfers
- Reversals & corrections
- Reversal approvals
- Maker–checker approvals
- Batch uploads
- Multi-currency & FX rates
- Cheque clearing workflow
- Till & branch transactions
- Transaction charges & fees
- Mandate repayment sync
- Internal suspense management
General ledger Journals, mappings, branches, financial periods, trial balance and reconciliation. capabilities
- Chart of accounts
- Ledger account types
- Ledger mappings
- Journals & accounting periods
- Financial periods & year-end
- Trial balance
- Financial statements
- Reconciliation
- Audit records
- Regulatory snapshots
- Statement generation
Operations & administration Institution structure, users, roles, permissions and the settings that shape daily work. capabilities
- Branches & offices
- Bank accounts
- Users, roles & permissions
- Approval settings & stages
- Memos & internal notes
- Business configuration
- Currencies & FX rates
- Till & vault management
- Batch uploads & imports
- Account officer reassignment
- Staff workspaces & favourites
- Configuration centre
Automation & EOD Scheduled jobs that keep interest, lifecycle events, statements and the business date moving. capabilities
- End-of-day orchestration
- End-of-year processing
- Business-date catch-up
- Accrual jobs — CASA, FD, loan, placement
- Maturity settlements
- Lifecycle event jobs
- Overdraft & lien lifecycle jobs
- Prudential provisioning job
- Statement & invoice jobs
- Fixed-asset depreciation & register
- Database backups & sizing
- Scheduled notifications
Controls, reports & channels Audit trails, approvals, monitoring, dashboards and the API layer that connects channels. capabilities
- Audit trail
- Role-based permissions
- Maker–checker controls
- Fraud monitor & AML holds
- Approval queues
- Management dashboards
- Regulatory reporting
- API channel & API keys
- Request references & idempotency
- Institution-level provider config
- Card & bills payments
- Transfer providers (Flutterwave & partners)
- AI provider integration
- Virtual account channels
Feature availability and configuration depend on the selected deployment scope, institution type and implementation requirements.
FOLLOW THE BANKING WORKFLOW
From onboarding to reporting.
One continuous journey.
The value of a core is clearer when the full operating journey is visible — rather than presented as a disconnected list of modules.
-
01
Onboard
Capture customer details, identity records, relationships and required review information.
-
02
Open
Create the account and apply the selected product, limits, mandates and restrictions.
-
03
Transact
Process financial activity through configured roles, limits, approvals and statuses.
-
04
Service
Manage loans, deposits, scheduled events, exceptions and customer account changes.
-
05
Report
Generate operational and financial information from the same system supporting daily activity.
THE FULL CORE BANKING LIFECYCLE
Every stage handled.
Every entry posted.
Follow three journeys through the core — lending, deposits and the end-of-day close — to see how configured products turn into accounted activity.
From application to write-off, on one ledger.
Configured loan products drive assessment, approval, disbursement, accrual and collection — with every event posted to the general ledger automatically.
- 01
Originate
Capture the application, customer details and supporting documents through a structured workflow.
- 02
Assess
Run credit bureau checks, review identity records and evaluate against configured product rules.
- 03
Approve
Route through maker–checker approval stages with full attribution of who did what.
- 04
Disburse
Release funds with automatic postings to the loan account and the ledger.
- 05
Accrue
Nightly jobs accrue interest and penalties against the configured repayment schedule.
- 06
Repay
Track repayments, prepayments and mandate-driven collections in real time.
- 07
Manage arrears
Classify delinquency, apply restructuring and keep collections on a visible schedule.
- 08
Close & recover
Process write-offs and prudential provisioning with the accounting handled automatically.
From placement to liquidation, nothing falls through the cracks.
Fixed deposits and placements follow configured rules — interest accrues on schedule, maturity settles correctly, and every event lands in the books.
- 01
Configure product
Define interest rules, tenors, rollover instructions and accounting mappings.
- 02
Place funds
Open fixed deposits and placements against customer accounts with full documentation.
- 03
Accrue interest
Scheduled jobs accrue interest through the term, visible in the deposit record.
- 04
Mature & roll over
Settle at maturity or roll over automatically per the standing instructions.
- 05
Liquidate
Process pre-maturity liquidation with the correct penalty and accounting entries.
- 06
Post to ledger
Every lifecycle event lands in journals, trial balance and financial reports.
The business date closes itself — visibly.
33 scheduled jobs run the close: validation first, then accruals, lifecycle events, statements, balancing and the opening of the next business date.
- 01
Pre-close validation
Check pending postings, approvals and exceptions before the date closes.
- 02
Accruals & depreciation
Run interest accruals across CASA, loans, deposits and placements — plus fixed-asset depreciation.
- 03
Lifecycle events
Process penalties, lien and overdraft events, maturities and settlements.
- 04
Statements & invoices
Generate customer statements and billing documents automatically.
- 05
Balancing
Verify GL balancing and flag any differences for review before opening.
- 06
Date opening
Open the next business date only once the checks pass.
- 07
Backups & snapshots
Schedule database backups and size tracking automatically.
- 08
Regulatory snapshots
Capture prudential and regulatory positions on a defined schedule.
BUILT TO CONNECT AROUND THE CORE
The core at the centre.
The ecosystem around it.
Each approved integration defines its data flow, authentication, monitoring, reconciliation, retry behaviour and operational ownership.
Digital channels
Mobile applications, internet banking and approved USSD experiences.
Payments
Transfer, bill-payment, card and other payment-service integrations within the agreed scope.
Identity services
Identity-verification and onboarding services, including supported MeVerify connections.
Financial partners
Credit bureaus, reporting services and approved financial-service providers.
Operational services
Notifications, CRM, analytics, document and internal operational tools.
Custom APIs
Documented connections for approved institutional, partner and internal systems.
READY-MADE PROVIDER CONNECTIONS
- Flutterwave
- Mono
- Recuva
- CRC Bureau
- Termii SMS
- SMTP email
- Card providers
- Bills providers
- Transfer providers
- Mandate gateway
- Two-factor auth
- AI providers
Authenticated API channel
Bearer-token endpoints with a request reference on every call. API keys auto-deactivate after 14 days of inactivity.
Events & webhooks
Mandate syncs, payment callbacks and AML hold responses flow through defined events — not ad-hoc calls.
Channels over one layer
Mobile, internet banking and USSD experiences run over the same API layer, so every channel writes to the same core.
Security built in
Two-factor authentication, permission-controlled releases and institution-level provider configuration.
IMPLEMENTATION IS A CONTROLLED WORKSTREAM
Deployed like infrastructure.
Not installed like an app.
Deployment and migration are planned around the institution's data, products, integrations, operating controls and readiness.
-
01
Discovery and fit
Review institution type, products, volumes, users, branches, channels, reports, controls, current systems and constraints.
-
02
Solution and institution design
Define the institution structure, configurations, roles, environments, integrations, accounting mappings and acceptance criteria.
-
03
Configuration and integration
Configure products and workflows, establish approved connections and prepare institution-specific reporting.
-
04
Migration rehearsal
Extract, clean, map, load, validate and balance data through repeatable rehearsal cycles before cutover.
-
05
Acceptance and training
Conduct role-based testing, workflow practice, reconciliation, issue closure and operational-readiness checks.
-
06
Cutover and stabilisation
Launch through an agreed cutover plan with monitoring, reconciliation, escalation and post-go-live review.
WHO IT'S FOR
Designed for regulated and
structured financial operations.
Final fit depends on the institution's operating model, regulatory position, scale, products, migration requirements and integration scope.
Microfinance banks
Customer, deposit, lending, teller, branch, ledger and reporting workflows.
Deposits · Lending · BranchesMortgage banks
Longer-term lending products, repayment schedules, approvals and financial operations.
Lending · Schedules · ApprovalsDigital lenders
API-connected lending operations supported by a controlled ledger and servicing workflow.
APIs · Ledger · ServicingCooperatives
Member, savings, lending, repayment and financial-reporting operations.
Members · Savings · ReportingFinancial groups
Multiple institutions or financial entities operating through one governed platform.
One platform · GovernanceLegacy replacements
Institutions moving away from difficult cores, fragmented tools or spreadsheet-heavy operations.
Migration · Modernisation
FROM THE LEADERSHIP
"Banking infrastructure should never be borrowed from another market. CoreWave CBA exists because African financial institutions deserve a core that fits how they actually operate — built by engineers who stay close to the problem, from discovery to post-go-live."
Working with Pintop was an exceptional experience. They took the time to understand our vision, align with our goals, and deliver results that exceeded expectations.
— Seye Muritala, Credite Capital LimitedFREQUENTLY ASKED QUESTIONS
A big decision.
Better informed.
Product fit, deployment, migration and commercial scope are established through discovery and a focused technical walkthrough.
Speak to the teamCan one platform serve more than one institution?
Yes. CoreWave CBA is designed to run multiple institutions or financial business entities within a single governed environment. Institution separation, shared services, administrative boundaries and deployment responsibilities are reviewed during technical due diligence.
Can it replace an existing core banking platform?
A replacement can be scoped after reviewing the current products, data, integrations, controls, reports and migration complexity. The implementation should include data mapping, migration rehearsals, balancing, user acceptance and a controlled cutover.
Can it power mobile, web and USSD channels?
CoreWave CBA includes an API and channel layer for approved connected experiences. The available endpoints, authentication, limits and integration responsibilities are confirmed for the selected deployment.
Does it support lending and fixed deposits?
The platform supports configurable lending and deposit workflows. Product rules, interest methods, approvals, lifecycle events and accounting mappings are reviewed against the institution's requirements.
Where can CoreWave CBA be deployed?
Deployment can be scoped for an approved private-cloud or institution-controlled environment. Infrastructure ownership, access, monitoring, backup, security and support responsibilities are defined for the engagement.
How is pricing determined?
Pricing depends on institution structure, modules, usage, integrations, migration, deployment model, configuration, training and support requirements. A commercial proposal follows discovery.
PRODUCT WALKTHROUGH
See CoreWave CBA against your institution's actual workflow.
Share your institution type, current core, institution structure, priority modules, active-account range, channel requirements and migration concerns. The walkthrough can then focus on the parts that matter.