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Banking as a Service
The bank behind
your fintech.
Build, launch, and scale financial services with secure banking infrastructure designed for fintechs, lenders, SACCOs, and businesses. Connect seamlessly to payments, accounts, lending, FX, savings through our secure digital banking solutions, while offering your customers a fully branded financial experience powered by Choice Bank’s regulated infrastructure.
Platform Capabilities
Everything your product needs.
Access the full stack of banking services through a single, well-documented API partnership.
Embedded Bank Accounts
Open real, CBK-regulated bank accounts for your customers programmatically. Each account is a fully functional bank account — not a wallet abstraction.
- Personal & business account creation
- Full KYC flow via API
- Real-time balance & statement access
- Account numbers on Kenya's banking rails
Payments & Disbursements
Send money to M-Pesa, Airtel Money, Paybill, Till numbers, Pesalink, and any Kenyan bank — all from a single disbursement endpoint.
- Mobile money (M-Pesa, Airtel)
- Bank-to-bank transfers via Pesalink
- Bulk disbursements for payroll or agents
- Real-time status callbacks via webhooks
Collections & Inflows
Accept payments from your users through dedicated virtual accounts, Paybill shortcodes, and Pesalink — with instant transaction notifications.
- Virtual account collections
- Paybill & Pesalink inflows
- Webhook events on every receipt
- Automatic reconciliation support
Virtual Wallets
Create isolated virtual wallets per user, merchant, or project. Move funds between wallets in real time without touching the banking rails.
- Multi-wallet architecture
- Instant internal transfers
- Per-wallet transaction history
- Flexible balance controls
Cross-Border & FX
Settle China supplier payments in CNY/RMB and support diaspora remittance flows — all through the same BaaS integration.
- CNY/RMB payments to China
- Kenya–China corridor (CNY Express)
- FX rate guidance and conversion
- Traceable international transactions
Regulatory Coverage
Build under Choice Bank's CBK licence. Your product is backed by a regulated institution — removing the licensing burden from your roadmap.
- CBK-licensed banking partner
- AML/KYC compliance built in
- Transaction reporting handled
- Audit trail on all operations
Who It's For
Built for builders.
Whether you're a fintech, SACCO, marketplace, or enterprise — if you need banking infrastructure, this is the conversation to start.
Lending Platforms
Disburse loans directly to borrower accounts or mobile money. Collect repayments via dedicated virtual accounts.
Savings & Wallets
Offer your users real bank accounts with interest-bearing balances, backed by a CBK-regulated institution.
Payroll & Agent Networks
Pay employees, agents, or merchants across mobile money and bank channels in bulk via a single API call.
E-commerce & Marketplaces
Collect from buyers and settle to sellers — with escrow-style wallet controls and automated reconciliation.
China Import Payments
Enable your users to pay Chinese suppliers in CNY directly from Kenya through the CNY Express corridor.
Microfinance & SACCOs
Digitise your lending and savings operations on top of a regulated banking layer without building core banking from scratch.
How Partnership Works
From conversation to production.
We don't run a self-serve sign-up flow — BaaS partnerships are scoped properly from the start. Here's how we work together.
Our API Docs01
Initial conversation
Tell us about your product, your users, and what banking capabilities you need. No commitment required.
02
Scope & agreement
We define the integration scope, data flows, compliance requirements, and go-live timeline together.
03
Sandbox access
You get sandbox credentials and API documentation to begin building and testing within 48 hours of agreement.
04
Integration & review
Our technical team reviews your integration, supports testing, and signs off before production launch.
05
Go live
Flip to production. Your users can now open accounts, send payments, and collect funds through a CBK-licensed bank.
Ready to embed banking into your product?
Start with a conversation. Our partnership team will help you figure out the right integration for your use case.