One ledger. Real products. Built for Nigeria.

Financial infrastructure, and the products people actually use.

Cyclone gives businesses a complete payments platform, and gives people a wallet, savings, thrift groups, loans and bill payments on top of it.

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✓ Double-entry ledger ✓ 11-step compliance engine ✓ Multi-provider routing

Available balance₦2,480,420.50

◇ Demonstration data

Today's volume₦4.2M

Transactions1,284

SettlementProcessing

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Payment received₦850,000

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Ajo cycle payout₦300,000

POST /wallets/transfer200 OK◇ Demonstration data

For people

Wallet, savings, ajo, loans and bills

↗02

For businesses

Collect, pay out and reconcile

↗03

For builders

API, sandbox and webhooks

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How money moves

One ledger underneath everything.

A merchant payout, an ajo contribution, a loan disbursement and an agent cash-in all use the same financial primitive.

Customer · Merchant · Agent

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Cyclone API

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Compliance checksFraud checks

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Double-entry ledger

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Routing orchestrator

BankVirtual accountMobile moneyBill payVirtual card

Pending→Processing→Successful ✓Failed → Reversed

For businesses

Everything the money team needs.

Collect, pay out, settle and reconcile—even when one provider has a bad day.

Available with limits01

Bank withdrawals

Ledger-posted withdrawals to bank accounts.

Explore →

Available with limits02

Virtual accounts

Dedicated collection accounts with automatic inbound credit posting.

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Available with limits03

Bank payouts

Payouts through Flutterwave, Paystack and Budpay.

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Available with limits04

Mobile money

Collect and pay out through supported Flutterwave corridors.

Explore →

Available with limits05

Payment links & QR

Wallet-funded and virtual-account bank-transfer payments without card checkout.

Explore →

Available with limits06

Recurring payments

Wallet-funded subscriptions and standing orders charged on schedule.

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Available with limits07

Virtual cards

Issue wallet-linked virtual cards that can be frozen or closed instantly.

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The super-app layer

Money the way it's actually used here.

Savings groups, cooperatives, agent networks and micro-loans are first-class products on the same ledger—not bolt-ons.

Mainland CircleCycle 4 of 10

◇ Demonstration data

AAmakaPaid

TTundePaid

BBolaReceiving next

ZZainabUpcoming

YYouUpcoming

Cycle pot₦300,000

Send by phone number

Resolve a registered phone number to a wallet and send.

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Bill payments

Airtime, data, cable TV and electricity through one live provider.

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Flexible & locked savings

Flexible and term savings, including good-faith Shariah-structured options.

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Ajo, esusu & adashe

Form a group, set the rotation, contribute each cycle and receive the pot in turn.

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Cooperatives

Pooled savings, peer-funded member lending and dividend distribution.

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Micro-loans

Term loans assessed with KYC tier, risk checks and wallet history—not credit bureau data.

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Agent banking

Till wallets, phone-resolved cash-in and cash-out, and automatic commission.

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Referral rewards

Two-sided rewards after the referee's first funded transaction.

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Compliance & KYC

Configured, not hard-coded.

Compose 11 verification steps per product and customer type. Every outcome is recorded with a reason.

Tier 1Identity basicsProgressive limits

Tier 2BVN / NIN verificationHigher limits

Tier 3Enhanced verificationHighest configured limits

Verification session7 / 11 steps

Identity documentVerified ✓

Liveness checkVerified ✓

AddressIn review ◷

Risk decisionReview required !

Sanctions and PEP screening is planned and not connected to a live vendor.

For developers

Contract-first APIs.

Every service publishes an OpenAPI contract. Sandbox and live keys are isolated. Webhooks are signed, logged and retryable.

Read the documentation →

cURLNode.jsPythonJavaExamples

POST /api/v1/transactions/wallets/transfer

{
  "amount": 250000,
  "currency": "NGN",
  "sourceWalletId": "wallet_id",
  "destinationWalletId": "wallet_id",
  "reference": "your_unique_reference"
}

200 SUCCESSFUL

Security infrastructure

Correct by design. Observable by default.

✓Encryption in transit and at rest

✓OIDC authentication with MFA

✓Scope-enforced access control

✓Signed, retryable webhooks

✓Immutable ledger corrections

✓Sandbox and live isolation

Certification evidence

Reserved for verified certificationReserved for verified certificationReserved for verified certification

Ready when you are

Build the future of money.

Join the businesses and builders moving money on infrastructure built for this market.

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