bankOS is a multi-tenant core banking platform serving banks, cooperatives, and digital lenders. Three portals — Super Admin, Bank Admin, Customer — share one database with strict tenant isolation. It is a complete product in its own right, and the spine every other YobiStack product reuses.
BVN/NIN verification, KYC handling, internal wallet per customer.
Origination, group lending, restructuring, smart collection routing.
Standard, goal-based, fixed and term deposits.
Card, mobile money, USSD, agent POS, direct debit, GPS visit logging.
ECL provisioning, credit-bureau integration, FCCPC/NDPR alignment.
OTP/TOTP, device binding, full audit trail.
Multi-tenancy, RBAC, isolation, maker-checker, notifications, and an immutable audit log are the hard, generic parts of any serious platform. bankOS solves them once — so LogiOS, DARIS, LegalOS, AccountingOS, and CareConnect each add only the domain layer that makes them defensible.
From one microfinance bank to a network of cooperatives, bankOS replaces the fragmented stack with one compliant core.
Start a conversation →
YOBI