Monielink offers end-to-end digital banking capabilities designed to help you launch, scale, and optimize financial services delivery. From customer onboarding, payments, and card issuance to lending, merchant acquiring, and account management — our platform delivers secure, scalable solutions tailored to today’s banking landscape. Built for speed. Backed by compliance. Powered by flexibility.
Powerful Neobank Platform for Banks & Fintechs
Find the Right Solution for You
A comprehensive suite of solutions, supported by powerful enablers like digital KYC, secure soft-token 2FA, personalized loyalty programs, and chatbot-based customer support. Together, our solutions drive scalable growth, boost operational efficiency, and deliver a superior customer experience.
Digital Account
Monielink powers you to build a full-featured digital wallet ecosystem for both consumers and merchants, with support for multiple currencies. Instantly issue virtual Debit, Credit, or Prepaid cards through our integrated card issuing platform and SDK.
You can also assign NUBAN account numbers linked to verified mobile numbers, allowing customers to receive inflow transfers using just their phone number.
Merchant Acquiring
Monielink enables instant, digital onboarding for merchants directly through your mobile app. Using SoftPOS on NFC-enabled Android phones, merchants can start accepting contactless card payments without additional hardware.
Our platform also supports ScanPay with static and dynamic QR codes, and traditional POS terminals for card dipping, tapping, or swiping
Card Issuing
Monielink enables instant issuance of virtual Debit, Credit, Prepaid, and Universal cards directly within your mobile app through our Super SDK. Each card is securely stored in a digital card wallet for seamless online and offline use. Card control settings on the SDK allows customers to set-up transaction limits across POS, ATM, and online channels.
With our Universal Instacard, users can access multiple virtual cards through a single physical card — delivering flexibility, security, and a superior user experience.
Digital Lending
End-to-end loan and credit card management through SnapCred — a purpose-built solution that helps lenders and issuers create and scale high-performing credit portfolios.
With full-spectrum service delivery, SnapCred supports everything from origination and disbursement to repayment and collections — all on a secure, cloud-based infrastructure.
Dual Transaction Service
You can unlock new revenue by transforming debit cards into virtual credit cards.
With our patented Dual Transaction Service, you can offer instant credit card access through existing debit cards — no new plastic required. Drive engagement and grow income with ease.
KYC & Soft Token
Monielink Super SDK, enables instant customer onboarding with:
- Face capture supported with liveness detection which confirms that the captured face belongs to a live individual — preventing spoofing and impersonation.
- Facial recognition technology to match live captures against BVN, NIN, or photo ID records in real time, ensuring high-confidence identity verification.
- ID Verifications to verify NIN, Driver’s License, International Passport etc.
- Digital Business Verification for a registered business
- Address Verification for digitally verifying residence & business address
- KYC Upgrades
The solution also includes soft token- 2FA, adding an extra layer of security for account activation and ongoing transactions through a soft-token set-up on Verifyed App
Loyalty Management
Boost adoption and engagement by offering a customized loyalty program for all products & services offered on by Monielink. With Monielink’s SDK, you can reward customers with usage-based points credited to a dedicated rewards account, complete with real-time reward statements and transaction visibility.
Scalable, Secure, and Cost-Efficient Banking Infrastructure
Cloud Based Implementation
Deploy dedicated cloud instances with partner-managed access, security controls, and custom firewalls.
Secure Environments
Each partner maintains full control over their infrastructure’s security settings — including network access, firewalls, and operating system configurations. They are responsible for enforcing measures that protect their data and applications from unauthorized access.
Dedicated Instant SaaS
Eliminate heavy upfront licensing costs with our revenue-sharing SaaS model. Each partner operates in a secure, isolated environment with full control over their data and infrastructure — ensuring compliance, privacy, and operational flexibility.
Seamless integration
Seamlessly integrate digital banking experiences using our Super SDK front-end and dedicated cloud back-end — fully managed on Monielink’s Infrastructure through deployment on a dedicated Instance.
One SDK.
Endless Possibilities.
Frequently Asked Questions
Monielink not only provides back-end solutions to empower its partners to launch Digital Banking, Card Issuing, Merchant Acquiring, and Digital Lending products, but it also supports Digital KYC Management, Soft Token for 2FA, Loyalty Management, and Chatbot services. Additionally, it offers a fully integrated front-end solution through its Super SDK, enabling seamless integration with partners' Mobile Banking apps to deliver a smooth and efficient customer experience.
Power Your Digital Banking Experience
The Monielink Super SDK platform empowers Banks & Fintechs to grow revenue from retail products by up 6X to while significantly accelerating customer acquisition.