API-first platform that connects core banking systems, automates complex workflows with built-in AI capabilities, and powers financial operations at any scale — with an optional full-featured Core Banking System built in.
Financial institutions waste months wiring core banking systems to applications. BankLingo is the middleware layer that handles integration, workflow orchestration, and compliance — so you ship products, not infrastructure. And if you need a core banking system, BankLingo has one built in.
View architectureNine integrated modules that work together to power your financial products — each available independently.
Full-featured CBS with account management, deposits, loans, transfers, and real-time balance queries — available as an optional module.
Real-time surveillance, AML screening, and pattern detection across all integrated systems.
End-to-end loan lifecycle from application through credit scoring to disbursement.
Automated matching, exception handling, and audit reports across all transaction channels.
BPMN-powered process orchestration with stateful workflows and visual process designer.
Event-driven triggers and third-party system integration with configurable callbacks.
Create and manage virtual accounts for collections, settlements, and sub-account structures with real-time notifications.
Direct debit mandate creation, approval workflows, and automated collection scheduling via NIBSS and bank channels.
Bulk and single disbursements to any bank account — loan payouts, salary payments, vendor settlements, and refunds.
Pre-built integrations with leading payment, identity, credit, and communication providers.
Every BankLingo workflow can tap into a built-in AI engine with 36 capabilities — fraud scoring, document OCR, sentiment analysis, text generation, face detection, speech-to-text, and more. Just drag an AI node onto your BPMN canvas, pick a model provider (OpenAI, Azure AI, Hugging Face, Anthropic, or self-hosted), and deploy. Results flow straight back into your process variables for downstream decisions — no external pipelines, no ML ops overhead.
Real-time anomaly detection and transaction scoring powered by ML models — built directly into your BPMN workflows.
Sentiment analysis, entity extraction, text classification, and document summarization using GPT-4, Claude, or your own models.
ID document scanning, face detection, and optical character recognition for automated KYC and onboarding.
Speech-to-text for call centre transcription, text-to-speech for IVR systems, and audio classification.
AI-powered code generation, review, and bug detection for custom workflow scripting and automation.
Embeddings-based search across customer records, compliance documents, and knowledge bases.
Purpose-built workflows for your institution type.
Integrate with your core banking through our API — or use BankLingo's built-in CBS.
Design workflows visually using the BPMN process editor. Define products via YAML configuration.
Push to production with built-in testing and rollback capabilities.
Track performance through real-time dashboards and audit trails.
Every transaction is encrypted, every action is audited, and every deployment is designed to meet regulatory requirements across African markets.
Clean APIs, comprehensive documentation, and a platform that actually helps you ship.
// Open an account via BankLingo API
const response = await banklingo.accounts.create({
customerId: "cust_29x7k",
product: "savings-standard",
currency: "NGN",
kyc: {
bvn: "22211100000",
tier: 3
}
});
console.log(response.accountNumber);
// → "001-2847593-01"Everything you need to know about BankLingo.
Get started with BankLingo in minutes — or talk to our team for an enterprise demo.