One API For
African Banking.
Connect to multiple banks through a single integration. Build wallets, transfers, verification, and payments in days instead of months.
Free to startNo credit cardProduction-ready
Heritage MFB
Connected
LAPO MFB
Connected
AB Microfinance
Connected
Accion MFB
Connected
NPF MFB
Connected
Fragmented Banks.
Unified Infrastructure.
Without Strait, developers must build and maintain custom adapters for Bank A, Bank B, and Bank C. Each bank introduces a different API format, different security protocols, and constant maintenance. Strait consolidates this complexity into a single integration.
Developers write customized adapters, parse inconsistent JSON mappings, handle distinct OAuth schemes, and fight API downtime individually.
Connect once to Strait. All queries are standardized, bank statuses are normalized, and adding new bank endpoints requires zero updates in your code.
0%
Reduction
in developer integration timeline
0 API
Unified Gateway
Instead of coding separate bank ports
0x
Acceleration
Faster time-to-market speed
Simple to Integrate.
Powerful Underneath.
One Integration
Connect your fintech app to Strait's API once. Get access to every bank on the network instantly — no new code required when we add a new bank.
We Handle Complexity
Each MFB on the network has a custom adapter built by Strait. We translate their proprietary systems into our standard format so you never have to think about it.
Standardized Data
Every bank returns the same clean JSON structure. Balance, transactions, transfers — all in one format. Your code stays the same regardless of the bank.
Clean. Consistent.
Predictable Responses.
Query balances, fetch transaction logs, and route transfers. Zero variance between banks. Strait normalizes everything behind a clean JSON interface.
SDK Quickstart
Bootstrap integrations rapidly with official libraries supporting typed client definitions.
Everything You Need.
Nothing You Don't.
Account Information
Access customer account details, balances, and profile data across any connected MFB with a single authenticated call.
Transaction History
Retrieve paginated transaction records with filtering by date, type, and amount. Consistent format across all banks.
Payments & Transfers
Initiate fund transfers between MFB accounts and to external banks. Real-time status tracking with webhook notifications.
Custom Bank Adapters
Every MFB on the network has a battle-tested adapter handling their unique protocols. New banks are added without any changes on your end.
Enterprise Security
API key authentication, OAuth 2.0 support, request signing, rate limiting, and full audit logs. Bank-grade security by default.
Real-time Webhooks
Subscribe to transaction events, transfer status changes, and account activity. Build event-driven fintech apps effortlessly.
Bank-Grade Security.
Built for paranoid developers.
Fintech operations demand strict data custody. Strait wraps all underlying microfinance bank channels in an enterprise compliance layer.
Encryption in Transit
All HTTP requests to Strait API endpoints are enforced with TLS 1.3 protocol encryption, preventing man-in-the-middle exploits.
Encryption at Rest
Consumer record stores, transaction ledgers, and credentials databases are encrypted using military-grade AES-256.
Role-Based Access (RBAC)
Assign fine-grained API keys with restricted read/write scopes to verify balances without exposing payout capabilities.
Audit Logging
Every request header lookup, key rotation, and fund settlement undergoes strict cryptographic signature audit logging.
Data Segregation
Database partition layers segregate ledger transactions, guaranteeing that bank networks cannot inspect neighboring customer datasets.
Compliance Standards
Built to map with Central Bank of Nigeria (CBN) Open Banking specifications and SOC 2 Type II audit readiness logs.
Connected to Nigeria's
MFB Ecosystem
Strait aggregates access to established microfinance institutions nationwide. Instantly access real-time accounts and initiate direct payouts to any branch.
One Bridge.
Nationwide Coverage.
We continually map and add new adapters for microfinance banks across Lagos, Abuja, Port Harcourt, and northern hubs. New institutions join the Strait network every single month without code refactors on your client app.
Meet MyPay —
First Live App on Network
MyPay is a high-volume payments application for microfinance banking customers. Seeking speed and zero downtime, they launched on Strait in record time.
"It took us exactly 2 days to move from local sandbox prototyping to production live operations on Strait. Doing individual bank system configurations would have easily took our engineering team 6 months of tedious manual work."
3 Weeks → 2 Days
Integration Time Speedup
₦500m+
Volume Processed Last Quarter
₦145,000.00
Connected: Heritage MFBEmeka Obi Transfer
Just now
EKEDC Utility
1 hour ago
Salary Payout
5 hours ago
Built for Both Sides
of the Equation
For Fintech Builders
Stop building bank integrations. Start building core customer products. Connect to Strait once and unlock the ecosystem.
- Connect to 10+ MFBs with one API key
- Standardized JSON responses every time
- SDKs for JS, Python, and PHP built-in
- Sandbox environment for instant testing
- Full transaction and payout support
- Webhooks and real-time events
For Microfinance Banks
Go digital without rebuilding your entire core infrastructure. Partner with Strait to seamlessly interface with modern fintech applications.
- Join the fintech ecosystem instantly
- No major legacy tech overhaul required
- We build the adapter — you just connect
- Attract new digital customer transaction flow
- Full compliance and security built in
- Revenue sharing from API transaction fees
Simple, Transparent
Usage-Based Pricing
Start building in Sandbox for free. Transition into Production when ready. Simple tiers aligned with your consumer transaction growth.
Sandbox
- Full API access in sandbox
- 1,000 test API calls/month
- 2 connected test banks
- Documentation access
- Community support
- No credit card required
Growth
- Everything in Sandbox
- 50,000 API calls/month
- All connected banks
- Webhooks & events
- Email support (24hr response)
- 99.9% uptime SLA
- Production environment
Enterprise
- Everything in Growth
- Unlimited API calls
- Dedicated bank adapter builds
- Priority support (4hr response)
- Custom SLAs
- On-premise option
- Compliance & audit support
- Dedicated account manager
All prices in NGN. Enterprise contracts available in USD equivalents.
Need custom volume levels or priority SLAs? Let's talk to custom scale.
What Fintech Developers
Are Saying About Strait
"Strait saved us 3 months of integration work. We plugged in once and had access to 5 banks in 48 hours. This is what fintech infrastructure should look like."
Chidi A.
CTO @ SavingsApp Nigeria
"The API is so clean it almost feels too good to be true. Consistent responses, clear documentation, and actual support. Rare combination."
Fatima I.
Lead Engineer @ PayEasy
"We evaluated building integrations in-house. The cost estimate was ₦4 million and 6 months of work. Strait costs us ₦50k/month. Done."
Tunde O.
Founder @ WalletNG
Who is Handling
Your Banking Infrastructure.
Strait co-founders bring years of experience building financial systems and developer tools for high-growth tech platforms in Africa.
Frequently Asked
Questions
The Financial Backbone
Nigeria Needs. Build on It.
Start with a free API key in our sandbox and connect your fintech application to Nigeria's MFB ecosystem in minutes.
Join 50+ fintech teams already building on Strait