Xenon Limited's Banking as a Service
Launch a Bank in Weeks
Xenon BaaS provides the licensed infrastructure and modular APIs to embed financial services into your product. No banking license required. No legacy tech debt. Just limitless potential.
Licensing
Obtaining a banking license can take years and millions of dollars.
Student Remittances
Building a core banking system from scratch requires massive engineering resources and deep technical expertise.
White-Label Payments
Navigating complex, ever-changing financial regulations across multiple African jurisdictions is a full-time job in itself.
What makes us different
Explore our Infrastructure for the Digital Economy
Embedded Wallets & Accounts
Instantly issue virtual accounts and digital wallets to your users, supports multi-currency wallets and sub-accounts with full KYC/KYB verification flows integrated into your onboarding process. Perfect for fintechs, marketplaces, gig economy platforms.
Payment Processing Suite
Accept and send payments via bank transfers, mobile money (M-Pesa, MTN MoMo), and cards, with batch payout capabilities for payroll, supplier payments, and commissions, plus automated reconciliation and real-time transaction reporting. Perfect for e-commerce platforms, logistics companies, and payroll providers.
Lending & Credit APIs
Build and offer lending products to your customers with access to credit scoring and underwriting infrastructure, plus automated loan origination, disbursement, and repayment capabilities. Perfect for retailers, fintechs, and agricultural platforms.
Treasury & FX Management
Hold and manage multiple currencies in one place, with access to competitive FX rates for cross-border transactions and automated tools for currency conversion and hedging. Perfect for import/export businesses and cross-border marketplaces.
Stop building from scratch.
Start building on Xenon. Get in touch with our team today to discuss how Xenon BaaS can power your next big idea.