THE PLATFORM
One core. Every workflow your institution needs.
MizanCore is not a wrapper around a conventional core. It is a ground-up Shariah-first platform — AAOIFI accounting, CBN-native reporting, four-eyes controls, and a Fatwa repository built in from day one.
ALL MODULES
Everything in a single tenancy.
No bolt-on modules. No per-feature licences. Every capability below is included in the MizanCore platform.
Banking Operations
Customer onboarding with BVN/NIN verification, tiered KYC (Tier 1–3), account management, Esusu group banking, teller operations, NIP/NIBSS payment gateway, and agent banking.
- BVN/NIN biometric verification
- Esusu & group savings cycles
- NIP real-time transfers
- Agent & field officer portal
- Multi-branch teller
Islamic Financing & Treasury
Native support for all six Shariah-compliant financing structures. Each product has its own GL logic, profit-sharing mechanics, and Shariah validation workflow — not a loan with a renamed field.
- Murabaha (cost-plus sale)
- Mudarabah (profit-sharing)
- Musharakah (partnership)
- Ijara (leasing)
- Sukuk & Takaful structures
Compliance & Shariah Governance
The ACE and Shariah compliance team are first-class users. Fatwa repository, product screening, AML/CFT transaction monitoring, and all 12 CBN prudential returns generated from the GL directly.
- Fatwa repository & product approval
- ACE dashboard & audit trail
- AML/CFT transaction screening
- 12 CBN returns (auto-generated)
- AAOIFI FAS compliance tagging
GL & Financial Reporting
A true double-entry general ledger built on AAOIFI financial accounting standards. Chart of accounts pre-configured for non-interest banks. Trial balance, income statement, and balance sheet in real time.
- AAOIFI-configured chart of accounts
- Real-time trial balance
- Deferred income schedules
- Profit pool distribution
- Under-10-minute EOD close
Agent & Field Banking
Extend your reach without building branches. Agent portal with offline-capable transaction posting, geo-tagging, and real-time reconciliation back to the core. Full audit trail for every agent action.
- Agent onboarding & KYC
- Offline transaction queueing
- Geo-tagged field collections
- Cash-in / cash-out reconciliation
- Agent commission ledger
Administration & EOD Processes
System administration, user and role management (RBAC), scheduled jobs, end-of-day batch processing, backup and disaster recovery, and regulatory reporting scheduler.
- Role-based access (RBAC)
- Four-eyes transaction approval
- Automated EOD batch run
- Audit log (immutable)
- Backup & DR scheduler
INTEGRATIONS
Wired into the Nigerian financial infrastructure.
MizanCore connects natively to NIBSS NIP for real-time payments, the CBN reporting API, BVN/NIN identity verification, and NDIC reporting. No middleware required.
See it in a demo →