Technology Platform

Built for the next era
of Nigerian banking

JasonPay is not a chatbot wrapped around a banking app. It is a conversational banking platform with purpose-built infrastructure for Nigeria and a provider-ready path to regulated financial services.

● JAY AI — Live NIBSS NIP 2.0 Ready SWIFT ISO 20022 2026 Finance Act Compliant 5-Language NLP ● CBN-Aligned Architecture
Core Architecture
Every layer built for banking
The stack is not adapted from a generic fintech template. It was architected from the ground up for high-compliance Nigerian banking — real-time settlement, AI-native, and mobile-first.
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JAY — AI Banking Officer
Powered by GPT-4o with a custom banking system prompt spanning 22 internal departments and a 10-stage transaction pipeline. Understands intent, not just commands.
Live 5 Languages
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Mobile-First PWA
Built with Expo React Native for iOS, Android, and web (PWA). No app store required — installs directly from the browser. Works on any Android or iOS device from 2018 onward.
Live iOS + Android + Web
⚡
Real-Time Transaction Engine
Sub-3s end-to-end transaction flow: intent detection → PIN auth → NIP submission → settlement confirmation → receipt + Finance Act classification. All in one seamless conversation.
NIBSS NIP 2.0 Ready
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Global FX & Remittance
Dollar, GBP, EUR, and Yuan wallets with live CBN-referenced FX rates. SWIFT ISO 20022 MX integration ready. Designed for the ₦2 trillion+ Nigerian diaspora remittance corridor.
SWIFT MX Ready Flutterwave Ready
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2026 Finance Act Engine
Every transaction is auto-classified as Business or Personal at the moment of processing — not retrospectively. Generates FIRS-ready audit trails, statement exports, and tax summaries.
Live FIRS-Ready
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Security Architecture
RS256 JWT auth, PIN encryption, session timeout, biometric lock, rate limiting across all endpoints, NDPR-compliant data handling, and PCI DSS SAQ-A foundations.
Live PCI Level 1 — In Progress
API Integration Layer
Ready to plug into Nigeria's banking rails
Every external banking system has a pre-built integration point in the JasonPay API layer. Each endpoint is documented, tested in sandbox, and ready to activate with the corresponding licence.
Endpoint Method Integration Target Status
/api/jay/chatPOSTOpenAI GPT-4o — AI banking conversation engineLive
/api/banking/transferPOSTNIBSS NIP 2.0 — Real-time interbank transfersStub → Activates with MFB Licence
/api/verify-accountPOSTNIBSS Name Enquiry — NUBAN account verificationStub → Live on MFB Licence
/api/banking/bvn-verifyPOSTNIBSS BVN Validation — CBN-mandated KYCStub → Live on MFB Licence
/api/banking/nqr/generatePOSTNIBSS NQR v3 — National QR Code paymentsStub → CBN NQR Approval
/api/banking/swiftPOSTSWIFT MX ISO 20022 — International wire transfersPending SWIFT BIC
/api/banking/fx-ratesGETCBN FX Rate Feed — Official mid-market ratesIndicative → CBN API on go-live
/api/banking/remittancePOSTFlutterwave — Pan-African cross-border remittanceStub → Flutterwave Contract
/api/banking/webhook/registerPOSTPartner Webhook — Real-time HMAC-signed eventsLive
/api/capabilitiesGETIntegration manifest — Partner due-diligenceLive
/api/statementGETFIRS-ready statement — Finance Act audit exportLive
/api/ratesGETFX rates — USD, GBP, EUR, CNY indicative ratesLive

Full API documentation and sandbox access available to vetted partner institutions. Contact ops@jasonpaybank.com for credentials.

Regulatory Compliance
Designed for CBN, built for 2026
JasonPay is not retrofitting compliance onto a product that was built without it. Every architectural decision was made with CBN regulations, the 2026 Finance Act, and NDPR in mind from day one.
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CBN MFB Licence
Application in progress. Architecture conforms to CBN's June 2023 Revised MFB Regulatory Framework. Minimum capital requirements met via holding structure.
● Application Filed — Ref JP-2026-MFB-001
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2026 Finance Act
Real-time Business/Personal transaction classification built into every payment flow. FIRS-ready audit trails generated automatically. No retrospective categorisation needed.
● Live in Production
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NDPR Data Protection
Nigeria Data Protection Regulation compliant. User data stored locally, encrypted at rest, minimal collection principle applied. Privacy policy published at /privacy.
● Compliant
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PCI DSS
SAQ-A compliant (no raw card data processed on our servers). Preparing PCI Level 1 certification for card-present transactions via Interswitch/Verve partnership.
● SAQ-A Complete · Level 1 In Progress
🛡️
Anti-Money Laundering
Transaction velocity monitoring, BVN-linked identity verification, watchlist screening (PEP/Sanctions), and automated suspicious activity flagging built into the transaction engine.
● Architecture Complete
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SWIFT & ISO 20022
International wire transfer infrastructure built to ISO 20022 MX standard — the global banking message format mandated by SWIFT from November 2025. SWIFT BIC application in progress.
● Integration Stub Live · BIC Pending

Ready to discuss a partnership?

JasonPay is seeking strategic partnerships with Tier-1 and Tier-2 banks, telcos, and financial infrastructure providers. API access, co-branding, and white-label options available.

View Partnership Deck Join Waitlist