Banking & Open Banking in Africa
22 banking & open banking providers across Africa, publishing 33 APIs.
22 providers
33 published APIs
75 indexed documents
Banking & Open Banking across Africa — 22 providers on the APIs.io network sit in both cohorts, and between them they publish 33 indexed APIs.
11 of the 22 publish at least one machine-readable API; 11 publish nothing indexed at all. That split is the first thing worth reading here — a vertical can be well represented in a market and still have almost no programmable surface.
By Kin Score band: 11 minimal, 6 thin, 3 emerging, 1 strong, and 1 developing.
Leading by rating: Moniepoint, Djamo, Stitch, BALAD CORP, OPay, Mono, and 16 more.
Region membership is derived from three explicit signals — a provider tag, a provider-name pattern, or a stated headquarters in the provider’s own description. This is a map of stated headquarters, not of markets served.
Providers (22)
| Provider | Description | APIs | Rating |
|---|---|---|---|
| Moniepoint | Moniepoint is Africa's all-in-one financial platform for small and medium-sized businesses and individuals — Nigeria's largest merchant acquirer, with about 10 million business ... | 13 | strong |
| Djamo | Djamo is a mobile-first fintech serving Côte d'Ivoire and Sénégal, giving 1.5M+ users current and savings accounts with an IBAN, virtual and physical Visa cards, money transfers... | 1 | developing |
| Stitch | Stitch is an open banking and payments API platform providing unified access to financial data and payment rails across banks and financial institutions in Africa, primarily Sou... | 1 | thin |
| BALAD CORP | BALAD CORP (Balad) is a Cairo-based fintech providing cross-border payout and inward-remittance infrastructure for Egypt. Its Balad Gateway APIs let money transfer operators (MT... | 1 | thin |
| OPay | OPay is a Nigerian mobile money and fintech super-app operated by Blue Ridge Microfinance Bank (OPay Digital Services Limited) and majority-owned by Opera Limited with backing f... | 3 | thin |
| Mono | Mono is an African open-banking platform that lets businesses access bank and financial data and collect recurring payments through a single API. The Mono REST API at api.withmo... | 1 | thin |
| Cowrywise | Cowrywise is a Nigerian wealth management platform and SEC-licensed fund manager offering savings plans, investment portfolios, dollar accounts, and financial goal tracking for ... | 1 | thin |
| Okra | Okra was an African open-finance / open-banking infrastructure company based in Lagos, Nigeria. Its REST API connected applications to Nigerian bank accounts to retrieve authent... | 1 | thin |
| MFellows | Money Fellows (moneyfellows.com) is an Egyptian fintech that digitizes the traditional rotating savings and credit association (ROSCA, or "gam'eya") into app-based "money circle... | 0 | emerging |
| Kredete | Kredete is an intelligent global finance app for diaspora and emerging-market communities, founded in 2022 and operating across four continents. It moves money across 60+ market... | 0 | emerging |
| PiggyVest | PiggyVest is a Lagos-based Nigerian fintech (operated by Piggytech Global Limited, RC 1405222) running the country's largest online savings and investment platform, with 6M+ reg... | 1 | emerging |
| Onafriq | Onafriq (formerly MFS Africa) is a pan-African digital payments network headquartered in London with operating entities across Mauritius, Ghana, Nigeria, Tanzania, Rwanda, Ugand... | 9 | minimal |
| Moneyfellows | Money Fellows is an Egyptian fintech, founded in 2018 and regulated by the Central Bank of Egypt, that digitizes the traditional rotating savings and credit association (ROSCA /... | 0 | minimal |
| Aella Credit | Aella (Aella Credit) is a technology-driven microfinance bank licensed by the Central Bank of Nigeria (CBN), building consumer and business financial infrastructure across Afric... | 1 | minimal |
| Kuda | Kuda is a Nigerian digital-first retail bank — branded "the money app for Africans" and "the bank of the free" — founded in 2019 by Babs Ogundeyi and Musty Mustapha and headquar... | 0 | minimal |
| FairMoney | FairMoney is a credit-led digital bank for emerging markets, founded in 2017 and headquartered in Paris, France, with operating subsidiaries in Nigeria and India. The company be... | 0 | minimal |
| MNT-Halan | MNT-Halan is a Cairo, Egypt-headquartered fintech holding company and Egypt's first private fintech unicorn, founded in 2017 by Mounir Nakhla (CEO) and Ahmed Mohsen (CTO). MNT-H... | 0 | minimal |
| Jumo | JUMO is a Cape Town-based banking-as-a-service (BaaS) platform, founded in 2015, that uses artificial intelligence to power digital credit and savings products for banks, mobile... | 0 | minimal |
| Ejara | Ejara is a Cameroon-based, regulated fintech platform giving people across Francophone Africa and its diaspora access to digital savings and investment products through a mobile... | 0 | minimal |
| KaliSpot | KaliSpot is a fintech network operated by Outsource Monetic Group Inc. (OMG), an Atlanta-headquartered startup with legal presence in Senegal and Morocco. KaliSpots are Financia... | 0 | minimal |
| Khazna | Khazna is Egypt's leading financial super app, a Cairo-based fintech building inclusive financial services for the country's underbanked payroll workers and their families. Thro... | 0 | minimal |
| Onit | Onit is a Kenyan digital bank operated by Onit Microfinance Bank Inc. and regulated by the Central Bank of Kenya (CBK), with deposits protected by the Kenya Deposit Insurance Co... | 0 | minimal |
Indexed API documents (75)
Two numbers, both real: these providers publish 33 APIs as their own documents, which the catalog indexes split one-per-resource into 75 documents.
Monnify Webhooks
Moniepoint
Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursemen...
Moniepoint Authentication API
Moniepoint
Obtain a Bearer access token for the Monnify API.
Moniepoint Banks API
Moniepoint
NIP bank directory and account validation.
Moniepoint Bills Payment API
Moniepoint
Bill categories, billers, validation, processing, and status.
Moniepoint Bulk Transfers API
Moniepoint
Initiate and query bulk transfer batches.
Moniepoint Debits API
Moniepoint
Initiate debits against an active mandate.
Moniepoint Invoices API
Moniepoint
Create, list, and manage invoices.
Moniepoint Limit Profiles API
Moniepoint
Per-account transaction limit profiles.
Moniepoint Mandates API
Moniepoint
Create and manage direct-debit mandates.
Moniepoint Push Payments API
Moniepoint
Initiate push payments to a registered POS terminal.
Moniepoint Refunds API
Moniepoint
Initiate and query refunds.
Moniepoint Reserved Accounts API
Moniepoint
Manage dedicated and invoice reserved NUBAN accounts.
Moniepoint Settlements API
Moniepoint
Settlement batches and transactions reporting.
Moniepoint Single Transfers API
Moniepoint
Initiate, authorize, and query single transfers.
Moniepoint Sub-Accounts API
Moniepoint
Manage settlement sub-accounts.
Moniepoint Transactions API
Moniepoint
Initialize, charge, query, and list collection transactions.
Moniepoint Verification API
Moniepoint
Identity, BVN, NIN, and account verification.
Moniepoint Wallet API
Moniepoint
Disbursement wallet balance and metadata.
Moniepoint Wallets API
Moniepoint
Manage wallets and sub-wallets.
Djamo Business API
Djamo
REST API for businesses to collect payments, send single and mass transfers, check balance, manage sub-companies, and receive HMAC-signed...
Stitch Pay By Bank
Stitch
Stitch Pay By Bank enables merchants to accept instant bank transfer payments directly from customers' bank accounts in South Africa and ...
Stitch Capitec Pay
Stitch
Stitch integration with Capitec Bank's Capitec Pay payment method, enabling customers to pay via Capitec mobile banking.
Stitch Card Payments
Stitch
Stitch card payment processing enabling businesses to accept debit and credit card payments through the Stitch unified platform.
Stitch DebiCheck
Stitch
Stitch DebiCheck integration providing authenticated debit orders for recurring payment collection in South Africa.
Stitch Manual EFT
Stitch
Stitch Manual EFT (Electronic Funds Transfer) enabling customers to pay via standard bank EFT with Stitch's streamlined reference managem...
Stitch Disbursements
Stitch
Stitch Disbursements (Payouts) API enabling businesses to programmatically send funds to bank accounts, enabling mass payments, refunds, ...
Stitch Authentication API
Stitch
OAuth 2.0 token operations.
Stitch Payments API
Stitch
Payment initiation and management.
Stitch GraphQL API
Stitch
The GraphQL API from Stitch — 1 operation(s) for graphql.
BALAD CORP APIs/Authentication API
BALAD CORP
The APIs/Authentication API from BALAD CORP — 1 operation(s) for apis/authentication.
BALAD CORP APIs/Core/Balance API
BALAD CORP
The APIs/Core/Balance API from BALAD CORP — 1 operation(s) for apis/core/balance.
BALAD CORP APIs/Core/Exchange rate API
BALAD CORP
The APIs/Core/Exchange rate API from BALAD CORP — 1 operation(s) for apis/core/exchange rate.
BALAD CORP APIs/Core/Secrets API
BALAD CORP
The APIs/Core/Secrets API from BALAD CORP — 2 operation(s) for apis/core/secrets.
BALAD CORP APIs/Link/Lookups API
BALAD CORP
The APIs/Link/Lookups API from BALAD CORP — 4 operation(s) for apis/link/lookups.
BALAD CORP APIs/Link/Reconciliation API
BALAD CORP
The APIs/Link/Reconciliation API from BALAD CORP — 1 operation(s) for apis/link/reconciliation.
BALAD CORP APIs/Link/Transactions API
BALAD CORP
The APIs/Link/Transactions API from BALAD CORP — 7 operation(s) for apis/link/transactions.
OPay Cashier API
OPay
The OPay Cashier API is the primary merchant payment API behind OPay Checkout. It exposes a hosted Express Checkout endpoint (cashier/cre...
OPay Payments API
OPay
Server-to-server payment creation across payment methods.
OPay Refunds API
OPay
Refund creation and status.
Mono Account Information API
Mono
Account details and balance for a linked account.
Mono Account Linking API
Mono
Initiate Connect account linking and exchange a code for an account id.
Mono Direct Debit API
Mono
Customers, mandates, balance inquiry, and recurring debits.
Mono DirectPay API
Mono
One-time bank-to-bank payments.
Mono Identity and Income API
Mono
Identity verification and income signals for a linked account.
Mono Transactions and Statements API
Mono
Transactions and bank statements for a linked account.
Mono Connect API
Mono
Account linking authorization and re-authorization.
Mono Creditworthiness API
Mono
Affordability and credit-decisioning analysis.
Mono Financial Data API
Mono
Read financial data from a linked account.
Mono Investment API
Mono
Investment holdings for a linked account.
Mono Lookup API
Mono
Identity and data verification for KYC/KYB.
Cowrywise Embed API
Cowrywise
Investment-as-a-service REST API that allows developers to embed regulated investment products (savings, mutual funds, treasury bills, Eu...
Okra Accounts API
Okra
Linked bank accounts.
Okra Auth API
Okra
Account authentication records and Link.
Okra Balance API
Okra
Account balances.
Okra Identity API
Okra
KYC identity on file with the bank.
Okra Income API
Okra
Income verification.
Okra Payments API
Okra
Bank-to-bank payments.
Okra Transactions API
Okra
Transaction history and spending patterns.
Okra Webhooks API
Okra
Callback management.
Okra Banks API
Okra
Reference list of connectable banks.
Okra Customers API
Okra
End-user (customer) management.
Okra Reports API
Okra
Scheduled financial reports.
Okra Verification API
Okra
Nigerian KYC checks (BVN, NUBAN, TIN, RC).
Okra Wallet API
Okra
Billing wallet used to fund API usage.
PiggyVest Business API
PiggyVest
The PiggyVest Business API is a Bearer-token-authenticated REST API hosted at api.piggyvest.business that lets Nigerian businesses progra...
Onafriq Async Payouts API
Onafriq
Asynchronous payouts designed for Money Transfer Organizations (MTOs) and disbursement partners. Partners create payments to mobile money...
Onafriq Sync Payouts API
Onafriq
Synchronous payouts custom-built for Mobile Network Operators (MNOs) and partners that require synchronous responses. Transaction results...
Onafriq Sync Bank Transfers API
Onafriq
Synchronous bank transfer API for sending funds directly to bank accounts across the Onafriq network with real-time response semantics.
Onafriq Collections API
Onafriq
Collections (Payins) API for receiving funds from customers across cards, cash agent networks, and mobile money wallets. Supports merchan...
Onafriq Get Rates API
Onafriq
Programmatic access to daily foreign-exchange rates used by the Onafriq network so partners can price cross-border transactions and perfo...
Onafriq Async Webhooks API
Onafriq
Instant Payment Notification (IPN) webhooks delivered asynchronously to partner endpoints as transaction state changes — used in combinat...
Onafriq Contacts API
Onafriq
Contacts API for adding and retrieving customer (payer / payee) records used across Payins, Payouts, and reconciliation workflows on the ...
Baxi Agent Banking API
Onafriq
Onafriq's Nigerian agent-banking platform (Baxi) exposes Virtual Account, Fingerprint (POS biometric activation), and Account Debit (card...
Onafriq Card Issuance API
Onafriq
Card issuance and processing platform for partners launching physical and virtual prepaid card programs, including Visa virtual card crea...
Aella Merchant API
Aella Credit
Aella's Fintech-as-a-Service API gateway for businesses, exposing wallet-as-a- service, KYC/identity verification (BVN, NIN), bank-accoun...
Other industries in Africa
Financial Services 29
Supply Chain & Procurement 21
Mobility & Fleet 17
Logistics 16
Blockchain, Crypto & Web3 14
Retail 14
Artificial Intelligence 11
Venture Capital & Investing 10
Human Resources & Payroll 9
Cybersecurity & Identity 7
Digital Health & Telehealth 7
Healthcare 7
All of Africa →
Banking & Open Banking elsewhere
North America 170
Europe 151
United Kingdom & Ireland 87
Australia & New Zealand 66
Latin America 43
India & South Asia 32
France & Iberia 18
DACH (Germany · Austria · Switzerland) 16
Middle East 16
Southeast Asia 10
Nordics 8
Benelux 6
All of Banking & Open Banking →
This page is the intersection of two independently computed cohorts:
Africa and
Banking & Open Banking. A provider appears here only when it is
already a member of both. Africa membership is matched on tag, name pattern, stated HQ,
so this is a floor rather than a census — coverage gaps show up here as small numbers, not as absent pages.
Work with this as data
Every region here is available over the APIs.io API and to AI agents over MCP.