Account Management APIs
Account creation, closure, status updates, balance inquiries, transaction history, and customer profile access for deposit and loan accounts.
Integration
API Platform
Public API entry, onboarding guidance, and governed integration capabilities for institutions building on SelamNow.
Account Management APIs
Transaction & Payment APIs
Loan & Credit APIs
Customer & KYC APIs
Reporting & Analytics APIs
Security & Authentication APIs
Modern Integration
API-First Architecture
SelamNow Core Banking is exposed through governed API categories that support mobile applications, institutional channels, third-party services, and controlled partner integrations. The public surface helps teams understand supported capabilities, onboarding steps, and security posture before tenant-specific contracts, credentials, and runtime details are shared.
Transaction & Payment APIs
Proposed integration scope: Real-time payment processing, fund transfers between accounts, bulk payment processing, transaction reversals, mobile money integration (Telebirr, M-Birr), and instant payment notifications. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Loan & Credit APIs
Loan application processing, credit scoring integration, repayment schedule management, interest calculation, loan disbursement, and automated collection workflows for microfinance and commercial lending.
Customer & KYC APIs
Customer onboarding, identity verification, document upload and management, KYC/AML compliance checks, customer due diligence, and integration with Ethiopian national ID systems.
Reporting & Analytics APIs
Generate financial statements, regulatory reports for NBE compliance, custom analytics, transaction summaries, portfolio analysis, and real-time dashboards for management insights.
Security & Authentication APIs
OAuth 2.0 token management, multi-factor authentication, role-based access control, API keys, sessions, and audit logging.
Core APIs
Six API Categories
Review the six public capability groups that shape the supported integration surface before workspace onboarding and sandbox activation.
Account Management APIs
- Complete account lifecycle
- Account creation & closure
- Balance inquiries
- Transaction history
- Customer profile management
Transaction & Payment APIs
- Real-time payment processing
- Fund transfers between accounts
- Bulk payment processing
- Mobile money integration assessment (provider approval required)
- Instant payment notifications
Loan & Credit APIs
- Loan application processing
- Credit scoring integration
- Repayment schedule management
- Interest calculation
- Automated collection workflows
Customer & KYC APIs
- Customer onboarding
- Identity verification
- Document upload and management
- KYC/AML compliance checks
- Ethiopian national ID integration
Reporting & Analytics APIs
- Financial statements generation
- NBE regulatory reports
- Custom analytics
- Transaction summaries
- Real-time dashboards
Security & Authentication APIs
- OAuth 2.0 token management
- Multi-factor authentication
- Role-based access control
- API key generation
- Audit trail logging
Use Cases
Real-World Integration Scenarios
Mobile Banking Apps
Build native iOS and Android apps with complete banking functionality including account access, transfers, bill payments, and loan applications using our mobile-optimized APIs.
Payment Gateways
Proposed integration scope: Integrate with Telebirr, M-Birr, EthSwitch, and international payment networks for reliable money movement and real-time payment processing across Ethiopia and beyond. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Merchant Systems
Connect POS systems, e-commerce platforms, and merchant terminals directly to your core banking system for instant payment verification and settlement.
Third-Party Services
Enable partnerships with insurance providers, utility companies, government services, and fintech innovators through secure, standardized API connections.
Core System Migration
Migrate data from legacy systems or synchronize with existing platforms using our bulk import/export APIs and data transformation tools.
Business Intelligence
Feed data to analytics platforms like Power BI, Tableau, or custom dashboards for advanced reporting, trend analysis, and strategic decision-making.
Developer Tools
Built for Developers
Developer Documentation
Access the public developer reference for capability coverage, onboarding expectations, authentication posture, and the route into controlled sandbox documentation.
View API Reference →Sandbox Environment
Test your integrations in a full-featured sandbox environment with sample data, simulated transactions, and complete API access without affecting production systems.
SDK & Code Libraries
Use our official SDKs for Java, Python, Node.js, PHP, and .NET to accelerate development with pre-built functions, error handling, and authentication management.
Webhooks & Events
Subscribe to real-time events like transaction completions, account updates, loan disbursements, and compliance alerts through configurable webhook notifications.
Local Integration
Ethiopian Banking Ecosystem
Our API platform is specifically designed for the Ethiopian banking environment with native support for local payment networks, regulatory requirements, and emerging fintech partnerships.
NBE Compliance Integration
Automated reporting APIs for National Bank of Ethiopia requirements including FTR (Financial Transaction Reporting), statistical returns, and regulatory compliance submissions in formats for institution and supervisory review.
Learn about NBE Compliance →Ethiopian Payment Networks
Proposed integration scope: Proposed connectivity, subject to provider agreements and certification, with EthSwitch for card payments and ATM networks, Telebirr for mobile money transfers, and M-Birr for agent banking services across Ethiopia. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Government Systems
Connect with Ethiopian government services including national ID verification, tax systems (ERCA), customs systems, and utility billing platforms for connected service delivery.
Technical Details
API Standards & Security
API Standards
- RESTful architecture with JSON payloads
- OpenAPI 3.0 specification compliance
- Versioned APIs for backward compatibility
- HATEOAS support for API discoverability
- Pagination, filtering, and sorting built-in
- Idempotency for safe retry operations
- Rate limiting and throttling protection
- Compression and caching optimization
Security Features
- OAuth 2.0 and JWT token authentication
- TLS 1.3 encryption for all connections
- API key management and rotation
- IP whitelisting and geo-blocking
- Request signing and validation
- Complete audit logging and monitoring
- OWASP API security best practices
- PCI DSS assessment for any card-data scope
Enterprise Grade
Performance and Reliability Targets
High Performance
Define latency, throughput, and concurrency targets during evaluation; verify them against the agreed workload and deployment before rollout.
Availability Planning
Redundant infrastructure, failover planning, and 24/7 monitoring support API availability for connected channels and partner systems.
Auto-Scaling
Automatically scale API capacity during peak usage periods to maintain performance without manual intervention or service degradation.
Real-Time Monitoring
Track API usage, response times, error rates, webhook delivery, and system health through dashboards and alerts.
Next step
Ready to Start Building?
Review the public API reference, then request guided onboarding for sandbox access and institution-specific integration planning.