Third-Party Integrations
The Kredete platform intentionally integrates with specialised regulated providers rather than replicating their capabilities. Each integration is wrapped in an internal adapter that exposes a stable, partner-agnostic interface to product services.
Integration Categories
| Category | Purpose | Representative Partners |
|---|---|---|
| Banking & money transmission | Account provisioning, payment rails, and money transmission in each jurisdiction. | Licensed US banking partner; regional banking partners in Nigeria, the UK, and the EU. |
| Card issuing & processing | Virtual and physical card issuing, processing, authorisations, settlement, Apple Pay and Google Pay tokenisation. | PCI-DSS-compliant card programme managers and processors. |
| Credit building & bureaus | Credit builder loans, remittance-based credit building, rent reporting, and bureau reports. | Array (credit builder product), Bloom Credit (remittance reporting to TransUnion), TransUnion, Equifax. |
| Remittance on-ramp | Card-funded remittance flows without leaving the app. | Coinflow. |
| Crypto | Non-custodial USDC wallet, on-ramp, and cross-chain bridging. | Coinbase (card on-ramp), RhinoFi (multi-chain bridging). |
| Compliance & KYC | Identity verification, document validation, sanctions and PEP screening, ongoing monitoring. | Specialised KYC/AML providers. |
| Value-added services | Cashback, privacy protection, US stock investing, prediction markets, subscription management. | Boogi (cashback), Kalshi (prediction markets), and dedicated investing and privacy providers. |
Integration Patterns
- Synchronous APIs. For real-time user-facing operations (quotes, card authorisations, KYC checks), adapters call partner APIs synchronously with strict timeouts and circuit breakers.
- Webhooks and callbacks. Long-running operations (payout settlement, bureau reporting, card settlement files) are completed via partner callbacks consumed through a hardened webhook ingestion layer with signature verification and idempotency.
- File-based exchanges. Some partners exchange daily reconciliation files; these are fetched over secure channels and processed by scheduled workers.
- Idempotency and retries. All outbound money-movement calls use idempotency keys; retries are governed by finite-state machines that guarantee exactly-once ledger effects even when partners respond ambiguously.
Note on API Specifications
Individual API endpoint specifications, detailed data schemas, and partner-specific integration contracts are maintained in separate technical documentation and are made available to integrators under the relevant agreements.