A layered platform for institutional finance
BitBank is structured as four layers — Access, Core, Compliance, and Settlement Rails. Compliance is built into the foundation, and settlement rails are abstracted from the institutions and end users we serve.
Four Layers, One Platform
BitBank is structured as a layered platform. Compliance is the foundation. Settlement rails are abstracted from end users.
01
Access Layer
APIs and integration endpoints for banks, fintechs, MFIs, money transfer companies, and government systems. Connect existing core banking, ERP, or treasury systems through a single interface.
- REST and webhook APIs
- Institution-grade authentication
- Sandbox & production environments
02
Settlement Engine
The processing core that moves and finalizes value. Routing, liquidity, and settlement run in real time so transactions clear in seconds — final on receipt.
- Real-time settlement
- Liquidity engine
- Atomic cross-currency routing
03
Compliance Layer
The regulatory foundation. KYC, AML/CFT, sanctions screening, transaction monitoring, and reporting are inline with every settlement — not bolted on afterward.
- KYC & identity verification
- AML / CFT screening
- Monitoring & regulator reporting
04
Settlement Rails
The underlying transport, abstracted from end users. A high-speed rail and a stable-value rail work together so institutions get speed and predictable settlement value.
- High-speed rail (Bitcoin Lightning)
- Stable-value rail (USDT)
- Invisible to end users
Platform modules
Each module is independently deployable and integrates with the others through well-defined contracts.
APIs & Integration Layer
Developer-first APIs designed for institutional integration. Clear documentation, sandbox access, stable contracts.
Settlement Engine
Real-time transaction processing with deterministic finality. Settlements clear in seconds, not business days.
Liquidity Engine
Continuous availability of funds across corridors so institutions can always settle on demand. No pre-funding partner banks.
Stable Settlement Layer
Predictable value transfer using a stable-value rail. Removes price volatility from settlement flows during the float.
Compliance Engine
Continuous monitoring, automated reporting, and configurable risk controls aligned with regional regulators.
Observability & Reporting
Real-time dashboards, audit trails, and reconciliation tools that meet institutional reporting requirements.
On settlement rails
BitBank uses two underlying rails: a high-speed rail based on Bitcoin Lightning, and a stable-value rail using USDT. Both are abstracted behind a single integration.
Institutions integrate through our APIs. Their end users see local-currency value, real-time settlement, and compliant reporting. They do not see — and do not need to handle — the underlying transport.
This abstraction lets us deliver speed and predictable settlement value while keeping the institutional and consumer experience unchanged.
Build on Africa’s Settlement Layer
Talk to our team about integrating BitBank. Sandbox access, integration support, and partnership conversations for banks, MFIs, money transfer companies, governments, and regulated businesses.