Kredete — IT Systems Infrastructure & Architecture Overview
Platform Reference Document
Version: 1.0
Last Updated: April 2026
Audience: Prepared for internal, partner, and audit
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About Kredete
Kredete is a global finance platform serving the African diaspora and the broader cross-border payments market. Founded in 2023, Kredete combines international money transfers, multi-currency accounts, card issuing, credit-building tools, and stablecoin infrastructure into a single platform, enabling users to send, spend, save, invest, and build credit across 50+ markets worldwide.
Kredete is a financial technology company, not a bank. Banking, card issuing, and money transmission services are delivered through regulated partner institutions in each jurisdiction where Kredete operates.
Purpose of This Document
This document describes the IT systems, infrastructure, and architecture underpinning the Kredete platform. It is intended for internal engineering and compliance teams, partner financial institutions, external auditors, and prospective enterprise clients who require a structured reference on how the platform is built, deployed, secured, and operated.
It supersedes any prior infrastructure documentation that was derived from third-party or legacy payment-engine templates. Where earlier drafts referenced generic white-label constructs (e.g. "ReactivePay", "Flexy", "rpay-core"), this redraft replaces them with the actual Kredete architecture and component names.
Document Scope
The scope of this document covers:
- The high-level system architecture of the Kredete platform.
- The core services and their responsibilities.
- Data flows, sensitive-data handling, and the ledger model.
- Integrations with third-party providers across banking, cards, credit, compliance, and crypto.
- The hosting, networking, deployment, and environment topology.
- Security and compliance controls, including PCI DSS obligations.
- Operational practices: monitoring, incident response, change management, and backup and recovery.
Out of Scope
This document does not cover individual API endpoint specifications, detailed data schemas, or partner-specific integration contracts. Those are maintained in separate technical documentation and are made available to integrators under the relevant agreements.
Table of Contents
| Section | Description |
|---|---|
| Platform Overview | Product scope, scale, and global footprint. |
| High-Level System Architecture | Architectural principles, system layers, and conceptual transaction flow. |
| Data Architecture | Data domains, sensitive data classification, data flow principles, and storage components. |
| Core Platform Services | Ledger, Payments, Cards, Accounts, FX, Compliance, Risk, Fraud, Credit, Savings, Crypto, Loans, Rewards, Notifications, Identity. |
| Third-Party Integrations | Third-party providers across banking, cards, credit bureaus, compliance, and crypto. |
| Hosting, Network & Deployment | Cloud hosting model, environments, network topology, release process, and backup & recovery. |
| Security & Compliance | Defence-in-depth controls, PCI DSS scope, and regulatory obligations. |
| Operational Consoles & Workflows | Operational consoles and key workflows. |
| Roles & Access Model | Role-based access control and responsibilities across all platform roles. |
| Glossary | Definitions of key terms and acronyms used throughout this document. |
At a Glance
- 4.6M+ global users
- $9B+ in annual transaction volume
- 50+ active markets worldwide
- 10+ global operating licences held directly or through regulated partners