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Run your loan book from one screen in Lagos

KYC review, loan products, wallet funding, OTP-gated
disbursement and repayment in one workspace. No code.

Create a lender account Talk to Stephen
Built on Flutterwave Dojah Firebase Resend
0 day
Setup time
0+
Nigerian banks
0%
Audit trail coverage
0 min
Heartbeat sentinel scan
8 sec
Dojah BVN verify
30 sec
Flutterwave Transfer settle
₦10M
Per-withdrawal cap, OTP-gated
What you get

The whole money path. Yours from day one

No vendor-stitching. No code. No CTO required. The actual screens that move naira, ready when you create the account.

Shipped this week: heartbeat sentinel

  • Configure loan products with flat-interest rate, tenor in days or months, min and max amount, and a fee per loan.
  • Approve or reject borrowers from the KYC review queue with face capture and ID upload on every record.
  • Fund your NGN wallet via Flutterwave card payment or bank transfer. Balance updates in real time on Firestore.
  • OTP-gated disbursement to any of 30+ Nigerian banks — Wema, Sterling, Kuda, Moniepoint, Opay, GTB, UBA — through Flutterwave Transfers.
  • Collect repayments via dedicated Flutterwave virtual accounts or hosted checkout. Record manual cash repayments with full receipt tracking and undo.
  • Settle to your NGN bank account via OTP-gated withdrawal, capped at ₦10M per 24h with a daily limit.
  • Cap a borrower at three concurrent loans, enforced by a transactional Firestore lock that no client can bypass.
  • Watch wallet balance, loan history, active borrowers and recent activity feed update live across every device via Firestore onSnapshot.
  • Operate from any device. Every screen is responsive down to 375px and tested on the phones your team actually carries.
  • Issue refunds on a tap when Flutterwave returns transfer.failed or transfer.reversed on the webhook.
The money path

How a loan moves through YT Finance

Five steps from application to settled repayment. Every one anchored to a deterministic ledger entry.

Borrower fills your branded apply link

Each lender gets a personalised apply URL. The borrower enters BVN and NIN, captures a face video, and uploads an ID. Files write to Cloud Storage under admin-only rules.

Dojah verifies, you approve

YT Finance pings Dojah for BVN and NIN match in roughly eight seconds. The record sits in your KYC queue. You approve or reject — nothing disburses until you do.

OTP from email, Flutterwave transfer

You request an OTP, Resend emails the code, you enter it once. A Netlify Function calls Flutterwave Transfers and settles to the borrower’s bank in thirty seconds.

Virtual account or hosted checkout

The borrower repays into a Flutterwave virtual account dedicated to the loan, or via hosted checkout. Each credit lands on the ledger with a deterministic ID. No double-counting.

Withdraw to your NGN bank

Move wallet balance to your operations account via OTP-gated withdrawal. ₦10M per 24h cap. Treasury reconciles the total across the platform.

The stack

The names doing the work

Flutterwave · Wallet funding, transfers, virtual accounts, hosted checkout Firebase · Auth, Firestore, Cloud Storage, real-time sync Netlify Functions · Server-side money path, rate limited per uid + IP Dojah · BVN and NIN verification, face match Resend · OTP delivery and transactional email

Settle your first loan this afternoon

Sign up. Configure a loan product. Approve your first borrower. Enter the OTP and disburse. No call required, no contract to sign, no code to write.

Create a lender account See the audit trail