A layered, composable architecture

Each layer has clean responsibilities and contracts — letting you adopt, evolve or replace components independently as your institution grows.

Layered architecture: channels, API gateway, composable modules, orchestration and core adapters

Cloud-native deployment

Containerised, horizontally scalable services with managed observability — deployable on AWS, Azure, GCP or local regulated cloud providers across Africa.

Hybrid and on-prem deployment

For regulated banks with strict residency requirements, Tawifin supports hybrid and full on-premise deployment patterns inside your data centre or private cloud.

Core banking adapter layer

Pre-built adapters for T24, Flexcube, Mambu, Finacle and proprietary cores — with a model that lets you wrap any core through a standard interface.

API gateway & integration services

Governed API gateway with authentication, throttling, contracts, versioning and a developer portal — for internal teams, partners and external developers.

Workflow orchestration

A first-class orchestration engine that models long-running business processes, integrates with platform events and supports queues, SLAs and audit out of the box.

Event-driven architecture

Every state change emits a governed event. Build real-time products, integrations and analytics pipelines without polling or brittle batch jobs.

Security & compliance

End-to-end encryption, role-based access, audit trails, secrets management and controls aligned with banking-grade frameworks and African regulatory contexts.

Deployment flexibility

Choose what fits your operating model: managed cloud, regulated cloud, hybrid or on-prem — with the same modules, APIs and operational tooling.

Architecture stack

From channel to core, in one governed stack.

Each layer is independently deployable, observable and auditable — so executive, technology and risk teams have a shared model of how the platform operates.

Customer & partner channels
Mobile · Web · USSD · Branch · Partner APIs
Channels
API gateway · AuthN/AuthZ · Rate control
Governed external and internal API surface
Gateway
Composable banking modules
Onboarding · Accounts · Payments · Lending · Wallets · Engagement
Modules
Workflow orchestration & event-driven bus
Long-running processes · Real-time events · Queues
Orchestration
Core banking adapters & payment rails
T24 · Flexcube · Mambu · Finacle · Scheme connectivity
Integration
Deep dive

Want a deeper technical walkthrough?

Schedule a session with our solution architects — we'll go through reference architectures, integration patterns and deployment options for your environment.