Solutions
Launch financial services without stitching vendors together.
RootFi gives you wallets, embedded banking, marketplace payouts, spend products, bill aggregation, agent banking, and compliance-heavy onboarding from a single set of APIs and webhooks.
Embedded Banking for SaaS
Give every customer on your platform a fundable account with balances, top-ups, and statements — without applying for a banking license.
- Customer and business virtual accounts
- Wallet top-up and reconciliation webhooks
- Sub-account hierarchies for teams
Marketplace Payouts
Disburse to sellers, riders, creators, and partners on the same rails you collect on — with name enquiry, references, and idempotent retries.
- NIP transfers with name enquiry
- Book transfers between internal accounts
- Reference verification and history
Fintech Wallet Apps
Launch a consumer wallet with KYC tiers, virtual accounts, transfers, bills, and cards behind a single set of credentials.
- BVN / NIN / business KYC tiers
- Bill payments and VAS purchases
- Optional card issuing and controls
Agent Banking & Distribution
Onboard verified agents, gate operator-only endpoints, and run NIP transfers, balance checks, and counterparty setup at the edge.
- Super-agent authentication and status
- Agent-only balance and verification
- NIP transfer execution for operators
Bill Aggregators & VAS Resellers
Sell airtime, data, cable, and utility from one biller catalog with customer verification, purchase, and history endpoints baked in.
- Service category and biller lookup
- Customer verification before purchase
- Transaction history and notifications
Card-Issuing Programs
Issue virtual and physical cards with funding, controls, PIN management, and the authorization and decline webhooks your risk team needs.
- Virtual and physical cards (NGN, USD)
- Channel controls and PIN / 2FA flows
- Authorization and decline webhooks
Compliance-Heavy Onboarding
Verify identity once, tier customers up over time, and route every status change through webhook events tied to the customer record.
- BVN, NIN, and business KYC verification
- Document upload and review workflow
- Onboarding status and tier webhooks
Lending & Credit Apps
Wrap data bundles, airtime, or working capital in a credit flow with eligibility, disbursement, and repayment-ready metadata.
- Bundle and product catalog lookup
- Loan customer journey and disbursement
- Repayment metadata for collections
Merchant Acquiring & POS
Bring NFC checkout and SoftPOS into a merchant app with prompt UI, card channel controls, and confirmation webhooks for the back office.
- Phone-to-phone NFC tap flows
- SoftPOS prompt and receipt UI
- Settlement and reversal events
Storefront Commerce
Stand up a public merchant checkout — customer sessions, order creation, payment, and data biller fulfillment from one set of endpoints.
- Merchant lookup and customer sessions
- Order creation and payment
- Data biller fulfillment webhooks
Who builds on RootFi
One API surface, many shapes of business.
The same primitives — accounts, transfers, bills, cards, identity — power very different products. Here is who is shipping on them today.
Vertical SaaS
Embed accounts, payouts, and spend inside your industry app.
Marketplaces
Move money between buyers, sellers, and the platform.
Consumer Fintech
Wallets, transfers, bills, and cards under one wrapper.
Lending
Disburse credit and reconcile repayments end-to-end.
Agent Networks
Run operator-only banking at the edge of distribution.
Merchants
Accept payments online, in-store, or at the doorstep.
How it works
From kickoff call to live volume.
Most teams move from first call to sandbox in days, and from sandbox to production in weeks — not quarters.
Talk to us
Walk us through your product, regulatory posture, and the rails you need.
Sandbox in days
Get API keys and test the exact endpoints your launch depends on.
Compliance review
Submit business KYC and route the controls your model requires.
Launch to production
Swap to live keys, wire webhooks, and start processing real volume.
Days
From first call to live sandbox keys.
Weeks
From sandbox to live production volume.
One API
Accounts, payments, cards, bills, and identity in one place.
Tell us what you are building. We will map it to the rails.
Share your use case and our solutions team will walk you through the right products, integration shape, and compliance checkpoints.