A wallet and service aggregation API for fintech operators.
Virtual accounts on CBN-licensed institutions, plus a consolidated API for airtime, data, utilities, bills, transfers, lending, and insurance.
WHO IT IS FOR
Operators who need rails, not a roadmap.
Pouchii is built for fintech product teams, payment service providers, cooperative wallets, and ecosystem operators who need licensed banking rails and a wide service surface without negotiating six direct integrations.
- Fintech product teams shipping wallets and consumer apps
- Payment service providers building merchant or biller flows
- Cooperative and scheme operators needing branded wallets
- Enterprise platforms embedding payments inside other workflows
FEATURES
What is in the box.
Virtual accounts
Programmable virtual accounts on CBN-licensed financial institutions, with reference, settlement, and reconciliation built in.
Bills and utilities
Airtime, data, electricity, cable, and government bills under one consolidated API.
Transfers
Inter-bank and intra-bank transfers across every Nigerian institution, with status webhooks and audit trails.
Lending rails
Origination, disbursement, and repayment endpoints for retail and SME lending products.
Insurance
Policy quoting, issuance, and claims orchestration with licensed insurance partners.
Identity
BVN, NIN, and KYC verification with documented audit trails for regulator review.
Webhooks and reporting
Signed webhooks, event replay, and a reporting layer your finance team can read directly.
Sandbox
A live sandbox with realistic test data, available before contract. Production credentials follow due diligence.
INTEGRATION
Four steps from sandbox to production.
- Step 01
Request access
Tell us who you are and what you are building. Sandbox credentials inside one business day.
- Step 02
Build in sandbox
Live API, realistic test data, and named integration support while you build.
- Step 03
Due diligence
Standard KYB, compliance review, and contracting in parallel with your build.
- Step 04
Go live
Production credentials, runbooks, and a 24/7 operations team behind the rails.
API SAMPLE
Issue a virtual account in one call.
Pouchii's account-creation endpoint provisions a CBN-licensed virtual account against any KYC-verified identity. Sandbox credentials are live before contract.
curl -X POST https://api.pouchii.io/v1/accounts \
-H "Authorization: Bearer $POUCHII_SANDBOX_KEY" \
-H "Content-Type: application/json" \
-d '{
"customer": {
"bvn": "22212345678",
"first_name": "Adaeze",
"last_name": "Okafor"
},
"currency": "NGN",
"purpose": "collections"
}'PROOF
Built on rails that already run.
Pouchii rides on the same infrastructure STSL operates for banks and federal MDAs. The team behind it has been shipping payment systems in Nigeria since 1992.
Named clients: In production with Polaris, IBILEHUB, and a roster of fintech operators across wallets, lending, and biller flows.
- Transactions processed
- NGN 1.8T+
- Active integrators
- 40+
- Platform uptime, rolling 12 months
- 99.97%
PRICING
Volume-based, contract-led.
Pouchii is priced per transaction with volume tiers, plus an optional platform fee for white-label and dedicated capacity. Custom pricing for high-volume operators and PSPs.
NEXT STEP
Get sandbox access.
Live sandbox in under 24 hours. No procurement gate to start building.