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SCAPI ESB and API Gateway
Replace fragile point-to-point links with one secure integration layer. Connect core systems, payment rails, mobile money and fintech partners in weeks, not quarters.
Integration and digital channels for African financial institutions
Connect your core.
Connect your core.
Reach every customer.
Smartcode is a software development company based in Nairobi and founded in 2013. We build the integration layer and the customer channels that banks, insurers and investment managers run on - from API gateway to online banking and mobile wallets.
BanksInsurersInvestment managersFintechs
YOUR CORE
YOUR CUSTOMERS
Core banking
Insurance admin
Cards and switch
CRM and ERP
POWERED BYSCAPI
- ESB
- API gateway
- Central console
Online banking
Mobile wallet
Self service portals
Partner and fintech APIs
YOUR CORE
YOUR CUSTOMERS
Core banking
Insurance admin
Cards and switch
CRM and ERP
SCAPIESB · API gateway · Central
Online banking
Mobile wallet
Self service portals
Partner APIs
Trusted across Africa
One foundation, four layers
Integrate once. Launch every channel on top.
Start with the integration layer, add the channels your customers ask for, then extend into governance and core banking. Every product runs on the same SCAPI foundation.
Integration layer
SCAPI Central
One console to see, secure and govern every API: traffic, partners, keys and service health, so IT and risk teams see the same picture.
Explore SCAPI Central →Channels layer
Self Service Portals
Online banking, insurance and investor portals that take statements, claims, transfers and requests out of the branch queue and into the customer's hands.
View portal editions →Pochi Wallet
A white-label mobile wallet for lending, bill payments and transfers, built to reach mobile-first and underbanked customers under your own brand.
Discover Pochi →Governance and whistleblowing
New
Whistle360
A secure, anonymous reporting channel and case management platform under your own brand. Staff, customers and suppliers speak up by web, mobile, USSD or SMS, and your case team investigates and replies without ever learning who they are.
- No IP addresses, device details or tracking cookies stored
- Anonymous two-way messaging using a private case key
- Case deadlines, SLA alerts and conflict-of-interest routing
- Board and regulator reports, designed around ISO 37002
- Group oversight across subsidiaries and countries
Core banking
New
Xperia 360
The core banking platform for microfinance institutions, SACCOs and agency networks. Customers, savings, loans, group savings, agents, merchants and the general ledger run on one governed system, so your teams stop reconciling spreadsheets and customers are served in the branch, with an agent, in the field or on their phone.
- Twelve integrated modules on one customer record and one double-entry ledger
- Maker-checker and tiered approvals on every sensitive action
- Agency and merchant banking with float, limits and automated settlement
- Group and VSLA savings, share-outs and SACCO dividend runs
- Automated end-of-day, month-end and year-end close that stops safely on failure
- AML screening, large-cash flags, PAR provisioning and a full audit trail
More solutions
27 specialised platforms that plug into the same stack.
From payments and lending to AML, monitoring and sector platforms. Most connect through SCAPI, so they slot into the systems you already run.
Digital channels
Payments and cards
- Smart Payment GatewayMulti-channel payment aggregator - cards, mobile money, bank rails & QR.
- SmartSuiteSeamless mobile money transfers across every transaction model.
- SmartDHIISO8583 interface bridging your core banking system and ATM switch.
- Instant IssuingCard issuance - instantly, in branch.
- SODRSSmart Online Dispute Resolution System.
Lending and distribution
Risk, identity and compliance
Operations and intelligence
- BI ReportingSmartcode Business Intelligence platform.
- SmartVizorReal-time infrastructure & service monitoring with instant alerts.
- Smartcode Help DeskEnterprise-grade customer support & ticket management platform.
- SmartSchedulerFewer no-shows. Fuller days.
- SmartSupply eProcurementEvery tender. Every supplier. Every decision on record.
- SmartDiraAsset monitoring & geo-fencing for high-value field assets.
Sector solutions
- SmartAgriSatellite-powered agri-intelligence & farmer credit scoring platform.
- CarbonLensAI-powered carbon emissions management & ESG compliance platform.
- Smart Parking Management SystemCashless parking. Real-time control. Zero guesswork.
- ScholarSUITESchool management system - one platform, every classroom, zero paperwork.
- ChurchSUITEChurch management system - one platform, every ministry, zero chaos.
How an engagement runs
Prove it on one integration before you commit to the programme.
- 01
Discovery
We map your systems, partners and priorities, and agree what success looks like.
- 02
Paid pilot
One live integration or portal module in 6-8 weeks, credited against the full licence.
- 03
Rollout
We scale to your full integration map and launch the channels on top.
- 04
Run and support
Monitoring, SLAs and a named support team, with on-site support within agreement scope.
"The project was completed on time and within budget, a clear testament to their efficiency and commitment to delivering quality results."
Built in Nairobi, delivered across Africa
Client countriesHeadquarters, Nairobi
Building software for financial institutions since 2013.
Book a 30-minute integration review
Bring your integration map or channel roadmap. You leave with a recommended architecture and a pilot scope, whether or not you work with us.