Fintech & Payments Innovation

Accelerating Business with Technology

A solution-driven technology partner — helping businesses solve real problems and move faster, with deep, hands-on expertise in fintech, digital payments, and wallet infrastructure.

Solution providers · Fintech & payments specialists · Engineered for global standards

About Zuba Labs

The best solutions come from people who understand the problems firsthand.

Our strength is not just in technology. It is in our deep understanding of the realities, challenges, and opportunities across Africa — lived, worked through, and built around.

As a solution-driven partner, we help businesses accelerate with technology. We bring together senior engineers, architects, and product leaders to build standardized, innovative, and resilient platforms — with especially deep experience in fintech, digital payments, and wallet infrastructure.

Solution-driven delivery Deep fintech & payments expertise Global engineering standards
Vision

To become Africa’s leading technology innovation company — building world-class digital platforms that solve African challenges and compete globally.

Mission

To combine African experience, global engineering standards, and innovative thinking to deliver technology that creates lasting impact.

What we build

Enterprise-grade platforms across multiple sectors

Financial Technology & Digital Payments

Banking & Wallet Infrastructure

Government & Public Sector

Community & Estate Management

Logistics & Transportation

Enterprise Business Solutions

Data & Intelligence Platforms

Digital Commerce & Marketplaces

Our core products

Two robust platforms at the heart of modern financial services

Zuba Core

Enterprise Wallet Solution

A secure, scalable core that powers digital wallets, accounts, and payments for banks, fintechs, and enterprises — API-first, multi-tenant, and cloud-ready.

Wallets & Accounts

  • Multi-currency wallets
  • Double-entry ledger
  • Virtual accounts
  • Savings & deposits

Payments & Transfers

  • Inter-bank transfers (NIP)
  • Bulk disbursements
  • Collections & gateway
  • Escrow & settlement

Cards & Merchant

  • Card issuing
  • POS acquiring
  • Tokenization
  • 3-D Secure

Value-Added Services

  • Airtime, data & bills
  • FX & conversion
  • Loans & credit
  • Fee & interest engine

Compliance & Security

  • KYC / KYB
  • AML & fraud monitoring
  • 2FA & encryption
  • Role-based access

Platform & Integration

  • Open REST APIs & SDKs
  • Webhooks & events
  • Multi-tenant white-label
  • Reconciliation & reporting

ABMS

Agency Banking Management System

Everything needed to onboard, manage, and grow distributed agent and super-agent networks — from float and commissions to monitoring and reconciliation.

Agent & Network

  • Agent & super-agent onboarding
  • KYC & verification
  • Network hierarchy
  • Agent locator

Float & Liquidity

  • Agent wallet & float
  • Float rebalancing
  • Liquidity management
  • Real-time balances

Commission & Settlement

  • Commission engine
  • Tiered & shared rules
  • Automated settlement
  • Payout scheduling

Transactions & Channels

  • Cash-in / cash-out
  • POS & mobile app
  • Cardless withdrawal
  • Airtime, data & bills

Monitoring & Risk

  • Performance dashboards
  • KPI & target tracking
  • Fraud & risk controls
  • Dispute handling

Admin & Integration

  • Terminal management
  • Reporting & analytics
  • Reconciliation & audit
  • Open APIs

Zuba Core and ABMS are our flagship accelerators — proven, production-ready foundations for fintech and banking. Need something more specific? We also design and build fully custom fintech solutions, engineered around your exact requirements.

Technology services

Beyond our products, the full spectrum of technology delivery

Custom Software Development

Product engineering across web, mobile, and cloud.

Cloud & DevOps

Migration, automation, and scalable deployments.

IT Infrastructure

Design, build, and manage resilient environments.

Cybersecurity

Assessments, hardening, and threat protection.

QA & Software Testing

Manual and automated testing for assured quality.

IT Talent Resourcing

Skilled engineers and managed teams, on demand.

Data, Analytics & AI

Turn data into insight and intelligent products.

Consulting & Support

Advisory, transformation, and managed support.

Our approach

Guided by scalable architecture, engineering excellence, and innovation

Every platform we build is standardized on cloud-native microservices — independently scalable, easy to integrate, and engineered to revolutionize how industries run on technology, not just digitize what already exists.

Scalable, Microservices Architecture

Cloud-native, independently deployable services that scale horizontally — from one agent network to national infrastructure, without re-architecting.

Standardized Architecture

Reusable, modular foundations built to scale and integrate cleanly.

Engineering Excellence

Rigorous, standards-driven delivery from senior engineers and architects.

Continuous Innovation

Forward-looking thinking that keeps our platforms future-ready.

How we work

We listen first — then engineer your vision into reality

Every engagement starts with your problem, not our product. We take the time to understand what you're actually trying to achieve, then design, build, and deliver technology that matches it — precisely.

01

Listen & Discover

We start with your business, your users, and the problem you're solving — understanding intent, not just requirements.

02

Design & Architect

We translate that understanding into a standardized, scalable architecture — the right foundation for today and tomorrow.

03

Build & Deliver

Senior engineers build in tight iterations, with visibility throughout, so what ships matches what you envisioned.

04

Support & Scale

We stay in the journey — supporting, evolving, and scaling the platform as your business grows.

Industries we serve

Delivering value across key sectors

Banking & Financial Institutions

Core wallet and ledger infrastructure, virtual accounts, transfers, and payment processing.

Fintechs & Payment Providers

White-label wallets, agency banking, and value-added services to launch and scale fast.

Government & Public Sector

Digital platforms for service delivery, collections, disbursements, and data intelligence.

Community & Estate Management

Billing, access, resident engagement, and payments for managed communities.

Commerce & Logistics

Marketplace, payment, and transportation technology for two-sided ecosystems.

Certifications & standards

Built and operated to internationally recognised standards

ISO/IEC 27001Information Security Management
ISO 9001Quality Management System
ISO/IEC 20000-1IT Service Management
PCI DSSPayment Card Data Security
SOC 2 Type IISecurity, Availability & Confidentiality
ISO 27017 / 27018Cloud Security & Data Privacy

Also aligned with & building on

NDPR / GDPR alignedAWSMicrosoft AzureGoogle Cloud CISSPPMPITILCMMI

Proven in production

Already powering live financial operations

RedtechEnterprise wallet deployment
CBI TechnologiesABMS deployment

Multi-tenant by design

Enterprise-grade security

API-first & integration-ready

Built to scale across markets

Brands we work with

Trusted by businesses and enterprises — built on world-class technology

Why partner with us

A partner that accelerates real business, not just ships software

A true solution partner

We accelerate real business needs with technology, end to end.

Deep fintech & payments expertise

Hands-on experience building wallets, payments, and agency banking at scale.

Enterprise-grade & secure

Standardized, resilient platforms with security and compliance built in.

Flagship products already live

Zuba Core and ABMS are proven in production, powering real operations today.

Pan-African focus, global standards

Local relevance combined with world-class engineering discipline.

A senior, multi-disciplinary team

Engineers, architects, designers, and leaders committed to lasting impact.

Get in touch

Let’s accelerate your business with technology

Tell us what you want to build.

Prefer email? Write to us directly at info@zubalabs.com