The balance layer for Nigerian microfinance.
Mizan means balance. MizanCore is the multi-tenant core banking platform that brings regulatory balance and a single source of truth to every MFB's deposits, loans, transfers, and audits — ledger-first, built for CBN prudential rules, NDIC deposit protection, and Sharia-compliant products.
One ledger, many tenants
Database-per-tenant isolation via Stancl Tenancy. Every MFB gets its own Postgres schema, its own subdomain, its own audit trail — one Laravel codebase serves them all.
Regulated by design
CBN prudential guidelines (10% CAR, 20% liquidity, single- obligor limits), NDIC deposit insurance reporting, NFIU AML/CFT (CTR at ₦5,000,000, STR any-amount) baked into the core — not bolted on.
Conventional + Islamic
Murabaha, Ijarah, Qard Hasan products alongside conventional loans. Penalties route to charity accounts (not bank revenue), with SAB-visible audit trails auditors and regulators can reproduce on demand.
Event-sourced + idempotent
Every money-moving request carries an
Idempotency-Key. Every domain write emits a
standard EventEnvelope through a transactional
outbox. Financial events are replayable, exportable, and
legally auditable.
Kobo-exact money handling
Money is stored as bigInteger in kobo — never
float, never decimal. 1 NGN = 100 kobo across every
database column, event payload, and API field.
HA by default
Patroni-managed Postgres HA, Redis Sentinel failover, k3s across 3 nodes, transactional outbox with dead-letter replay, Chaos-Mesh drills every month. Built to survive what a CBN examiner throws at it.
This endpoint is the MizanCore API. Authenticated clients
reach the banking routes under /api/v1/.
Interactive UIs live at
test-staff.mizancore.ng and
test-admin.mizancore.ng.