Sold by: NkapFin Financial OS
Deployed on AWS
Self-hosted banking and payments platform built for Africa. 55+ modules, 30 payment rails, mobile money, AI compliance. Deploy in your AWS VPC - your data never leaves.
Overview
NkapFin OS is the financial operating system built for Africa and emerging markets. Self-hosted in your AWS account, it powers neobanks, mobile money operators, payment processors, microfinance institutions, and fintechs across 60+ countries.
Built for how Africa moves money:
- Mobile Money: MTN MoMo, M-Pesa, Orange Money, Airtel Money, Wave
- Regional Rails: PAPSS (pan-African), GIM-UEMOA, GIMAC, AfriGo
- Global Rails: SWIFT, SEPA, Visa/Mastercard, ACH
- Crypto: USDT/USDC settlement, wallets, on/off ramp
Core capabilities:
- Multi-currency ledger with XAF, XOF, NGN, KES, GHS, ZAR, GBP, EUR, USD + 20 more
- AI Compliance: Fraud detection, KYC, AML screening, credit scoring (runs locally)
- Lending: Microloans, BNPL, tontines, Islamic finance (Murabaha, Musharakah)
- Savings Groups: Tontines, Chamas, ROSCAs with automated payout rotation
- Agent Banking: Cash-in/cash-out network, kiosk management
- Channels: USSD banking, WhatsApp bot, voice banking, mobile apps
- Cards: Virtual/physical issuance, ghost cards, expense management
Infrastructure:
- Deploys via CloudFormation into your VPC (ECS Fargate, RDS PostgreSQL, ElastiCache Redis)
- Multi-AZ, encrypted at rest and in transit
- Your data never leaves your AWS account
- Available in all AWS regions
Highlights
- 30 payment rail connectors built for Africa - MTN MoMo, M-Pesa, Orange Money, Wave, PAPSS, GIM-UEMOA, plus global rails like SWIFT, SEPA, and Visa/Mastercard. Multi-currency ledger supports XAF, XOF, NGN, KES, GHS, ZAR and 20+ more currencies across 60+ countries.
- Complete self-hosted financial stack - core banking, lending, AI compliance, crypto, cards, savings groups, agent banking, USSD, and WhatsApp channels. 55+ modules in one deployment. Your data never leaves your AWS account.
- One-click CloudFormation deployment into your VPC. ECS Fargate, RDS PostgreSQL, ElastiCache Redis - fully managed infrastructure with multi-AZ, encryption at rest, and automatic backups. Production-ready in under 15 minutes.
Details
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Delivery method
Supported services
Delivery option
NkapFin OS - ECS Fargate Deployment
Latest version
Operating system
Linux
Deployed on AWS
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Features and programs
Financing for AWS Marketplace purchases
AWS Marketplace now accepts line of credit payments through the PNC Vendor Finance program. This program is available to select AWS customers in the US, excluding NV, NC, ND, TN, & VT.
Pricing
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/12 months |
|---|---|---|
Solo - Single Module Production | Core banking with one module category, 200 requests per minute, single region | $6,588.00 |
Growth - All Modules Production | All modules, white-label branding, 500 requests per minute, single region | $39,588.00 |
Scale - Multi-Region Enterprise | All modules, multi-region deployment, 5000 requests per minute, dedicated support | $171,588.00 |
Enterprise - Dedicated Multi-Region | All modules, unlimited requests, multi-region deployment, dedicated support, custom SLA, dedicated account manager, priority feature requests, and white-glove onboarding. | $600,000.00 |
Dimensions summary
You choose from four contract tiers that scale by module access, request throughput, and deployment reach. Solo runs one module category in a single region at 200 requests per minute. Growth unlocks all modules with white-label branding at 500 requests per minute, still single region. Scale adds multi-region deployment, 5000 requests per minute, and dedicated support. Enterprise removes request limits, keeps multi-region deployment and dedicated support, and adds a custom SLA, dedicated account manager, priority feature requests, and white-glove onboarding. Each step up broadens capacity, geographic reach, and support level.
Top-of-mind questions for buyers
A module category is one functional area of the platform, such as payments and transfers, lending and credit, card issuing, mobile money, insurance, or savings groups. Solo runs one category in production. Core banking, which covers the multi-currency ledger and regulatory reporting, is always included regardless of the category you pick.
Solo caps at 200 requests per minute, Growth at 500, and Scale at 5000. Requests beyond the cap are throttled rather than billed as overage. To raise throughput, you move to a tier with a higher limit. Enterprise removes the per-minute cap entirely with unlimited requests.
These factors bundle together, not billed separately. Solo gives one module in a single region. Growth adds all modules and white-label branding, still single region. Scale adds multi-region deployment and dedicated support. Enterprise keeps those and adds a custom SLA, dedicated account manager, and white-glove onboarding.
nkapfin.com
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Vendor refund policy
NkapFin OS is sold as a flat monthly contract. Evaluations are available on request via a private offer ; contact support@nkapfin.com . No refunds are issued for active contracts. For billing disputes or exceptional circumstances, contact support@nkapfin.com within 30 days of charge
Legal
Vendor terms and conditions
Upon subscribing to this product, you must acknowledge and agree to the terms and conditions outlined in the vendor's End User License Agreement (EULA) .
Content disclaimer
Vendors are responsible for their product descriptions and other product content. AWS does not warrant that vendors' product descriptions or other product content are accurate, complete, reliable, current, or error-free.
Delivery details
NkapFin OS - ECS Fargate Deployment
Supported services: Learn more
- Amazon ECS
- Amazon EKS
Container image
Containers are lightweight, portable execution environments that wrap server application software in a filesystem that includes everything it needs to run. Container applications run on supported container runtimes and orchestration services, such as Amazon Elastic Container Service (Amazon ECS) or Amazon Elastic Kubernetes Service (Amazon EKS). Both eliminate the need for you to install and operate your own container orchestration software by managing and scheduling containers on a scalable cluster of virtual machines.
Version release notes
Deployment chart fixes so the platform starts cleanly (boot secrets and database wiring provisioned by the chart). Container images are unchanged from 1.1.14; this version re-publishes the corrected charts. Includes prior security & fulfillment hardening: fail-closed license signing, tier-resolution fix, marketplace webhook anti-replay, DB-sync production guard, least-privilege IAM, and an optional HTTPS listener.
Additional details
Usage instructions
- Subscribe to NkapFin OS from AWS Marketplace
- Launch the CloudFormation stack from the deployment template
- Configure your tier (Solo, Growth, or Scale) and admin email
- Wait for stack creation to complete (approximately 10-15 minutes)
- Access the NkapFin Dashboard via the ALB URL in CloudFormation outputs
- Create your admin account and follow the Getting Started wizard
- Configure payment providers in Settings
Documentation: https://docs.nkapfin.com Support: support@nkapfin.com
Resources
Vendor resources
Support
Vendor support
Email: support@nkapfin.com Website: https://nkapfin.com/company/contact
Support includes:
- Built-in AI-powered ticketing system within the NkapFin dashboard - submit, track, and resolve issues without leaving the platform
- Email support with 24-hour response time (business days)
- Documentation and getting-started guides at https://docs.nkapfin.com
- Community forum access
- Priority support for Growth and Scale tier subscribers (4-hour response)
- Dedicated account manager for Enterprise customers
AWS infrastructure support
AWS Support is a one-on-one, fast-response support channel that is staffed 24x7x365 with experienced and technical support engineers. The service helps customers of all sizes and technical abilities to successfully utilize the products and features provided by Amazon Web Services.
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