● API Gateway ACTIVE
◆ API Calls Today 142M processed
● Avg Latency 48ms
◆ Mobile Money Rails Live · 15 networks
● Open Banking Connections 2,400+
◆ Fintech Partners 300+ integrated
● Uptime SLA 99.999%
◆ Data Events Processed $4.8B today
● API Gateway ACTIVE
◆ API Calls Today 142M processed
● Avg Latency 48ms
◆ Mobile Money Rails Live · 15 networks
● Open Banking Connections 2,400+
◆ Fintech Partners 300+ integrated
● Uptime SLA 99.999%
◆ Data Events Processed $4.8B today
AI-Powered Core Banking · Open Banking & API Orchestration

Every fintech,
one API,
infinite scale

zung.ai's open banking and API orchestration layer connects your core banking system to mobile money networks, payment rails, and 300+ third-party fintechs — with AI managing routing, retries, rate limits, and security in real time.

Request a Demo → View API Docs
DK
EM
FA
+
Trusted by 70+ banks processing 142M+ API calls daily across 15 countries
● LIVE
Live API Orchestration
Your Core Banking → zung Gateway → M-Pesa ✓ 34ms
Loan App → zung Gateway → Credit Bureau ✓ 58ms
KYC Flow → zung Gateway → Onfido + CRB ⟳ live
Open Banking → zung Gateway → Plaid / TrueLayer ✓ 71ms
API Gateway — Throughput
142M CALLS TODAY · 1,643 REQ/SEC RIGHT NOW
48ms
Avg Latency
99.999%
Uptime
300+
Partners
$4.8B
Value Today
142M
Calls/Day
48ms
Avg Latency
2,400+
Connections
Gateway — 1,643 req/sec
M-Pesa connected · 34ms ✓
Connected to
By the numbers

The infrastructure layer that makes it all work

zung.ai's API orchestration layer handles the complexity of Africa's fragmented fintech ecosystem — so your developers ship products in days, not months of bilateral integration work.

142M+
API calls processed
every day
48ms
Average end-to-end
API latency
300+
Fintech & payment
partners connected
99.999%
Gateway uptime
SLA guaranteed
Core capabilities

One integration to
connect everything

A unified AI-powered API orchestration layer that abstracts the complexity of Africa's fragmented fintech ecosystem — giving your team one SDK, one gateway, and one source of truth for every integration.

Mobile Money Rail Integration
Single integration to M-Pesa, MTN MoMo, Airtel Money, Orange Money, and 12 more African mobile money networks — normalised into one unified API. Payments, collections, bulk disbursements, and reversals all orchestrated through one endpoint.
15 Networks · One API
Open Banking Orchestration
2,400+ bank connections across Africa and beyond via PSD2, local open banking standards, and direct bank APIs — unified into a single data model. Account data, transaction history, and income verification all available via one call.
2,400+ Banks
AI-Powered Routing Engine
AI selects the fastest, cheapest, and most reliable route for every transaction in real time — across competing mobile money networks, payment rails, and bank connections — with automatic failover when any provider degrades.
Smart Failover
API Security & Compliance Layer
OAuth 2.0, mTLS, API key rotation, rate limiting, and real-time threat detection built into every API call — with automatic PSD2 consent management, data minimisation, and GDPR-compliant data flow tracking across all partner integrations.
OAuth 2.0 · mTLS
Webhook & Event Streaming
Real-time event streams for every transaction, status change, and API event — with webhook delivery, Kafka integration, and guaranteed at-least-once delivery. Build reactive banking products without polling fragile partner APIs.
Kafka · Webhooks
Developer Portal & Sandbox
Full-featured developer portal with interactive API documentation, sandbox environment pre-loaded with realistic African transaction data, SDK libraries in 6 languages, and a mock partner hub for testing integrations end-to-end without production risk.
6-Language SDKs
How it works

One integration to rule
them all

01
Connect once via zung.ai gateway
Your core banking system connects to the zung.ai API gateway via a single secure integration — REST or webhook. No bilateral integrations with individual providers. No managing dozens of API keys, certificates, or rate limits yourself.
Single Integration
02
AI routes every request optimally
For every API call, AI selects the fastest, most reliable, and lowest-cost provider in real time — considering current latency, provider health, cost per transaction, and compliance constraints — with transparent reasoning for every routing decision.
48ms Avg Latency
03
Automatic failover & retries
When any provider degrades or fails, AI automatically retries via the next-best provider — with configurable fallback chains, idempotency keys to prevent duplicate transactions, and real-time alerting to your ops team when fallbacks activate.
Zero Downtime
04
Full observability & analytics
Every API call logged with latency, provider used, cost, response, and error rate — across all integrations in one unified dashboard. AI surfaces anomalies, cost spikes, and degrading providers before they impact your customers.
Full Observability
● LIVE
✓ Connect ⟳ Route Failover Observe
Gateway Connection — Active
Connection Status● Connected
Auth MethodOAuth 2.0 · mTLS
Providers Available300+
Throughput1,643 req/s
Single SDKAuto-scaling
AI Routing — Real-Time
M-Pesa Kenya✓ 34ms
MTN MoMo Ghana✓ 52ms
Airtel Zambia⟳ routing
Credit Bureau API✓ 61ms
AI: CHEAPEST ROUTE SELECTED · 34ms AVG
Auto-Failover — Active
⚠ Stripe degradedDetected 2s ago
✓ Flutterwave activatedFailover: 0.4s
CUSTOMER IMPACT
Zero — all transactions continued via fallback
Observability — Live Dashboard
Success Rate99.97%
Avg Latency P95142ms
Cost per 1K calls$0.42
Errors flagged3 (auto-resolved)
AI monitoringFull audit log
142M
Calls/Day
48ms
Avg Latency
99.999%
Uptime
Failover — 0.4s switchover
99.97% success rate ✓
Connected payment rails

Every rail your customers
use, already connected

zung.ai's gateway normalises Africa's fragmented payment infrastructure into a single, consistent API — abstracting the differences between mobile money networks, bank rails, card schemes, and open banking standards.

📱
Mobile Money Networks
All 15 major African mobile money networks normalised into one API — unified transaction format, consistent error codes, and shared callback structure across every network.
M-Pesa Kenya, Tanzania, DRC
MTN MoMo — 16 countries
Airtel Money — 14 markets
Orange Money, Wave, Tigo
15 Networks
🏦
Open Banking & Bank Rails
PSD2, local open banking standards, and direct bank API connections across 2,400+ institutions — account data, payments, and income verification via a single data model.
Plaid · TrueLayer · Mono
Direct RTGS / ACH connections
SWIFT GPI for cross-border
PSD2 compliant across EU
2,400+ Banks
💳
Card Schemes & Wallets
Visa, Mastercard, and digital wallet integrations for issuing, processing, and reconciliation — unified with mobile money and bank rails into one orchestration layer.
Visa Direct / Mastercard Send
Stripe · Flutterwave · Paystack
Apple Pay · Google Pay
Virtual card issuance APIs
Card + Wallets
🔍
Credit & Identity Bureaus
Single integration to credit bureaus and identity verification providers across Africa — normalised responses, combined scoring, and automatic KYC/AML screening orchestration.
TransUnion · Experian · CRB Africa
Onfido · Smile Identity
NIMC · NIDA · Ghana Card
AML / sanctions screening
Identity & Credit
📊
Data & Enrichment APIs
Real-time data enrichment feeds — market data, FX rates, property valuations, business registration, and alternative data signals — available through the same gateway and normalised for instant use.
FX rates · Bloomberg / Reuters
Business registry (BRELA, CAC)
Weather / agri parametric data
Telco behavioural signals
Data Enrichment
🔧
Core Banking & Fintech APIs
Bidirectional connectivity to core banking systems, CBS APIs, and third-party fintechs — enabling your products to read and write to Temenos, Mambu, Finacle, and any fintech partner via a unified integration layer.
Temenos · Mambu · Finacle
Salesforce · HubSpot CRM
300+ fintech APIs
Custom webhook endpoints
300+ Fintechs
Developer-first

Built for developers
who ship fast

Comprehensive documentation, SDKs in 6 languages, a fully-loaded sandbox environment, and an interactive API explorer — everything your team needs to go from zero to production in days.

POST /v1/payments/disburse
// Disburse across any rail
const result = await zung.payments.disburse({
  amount: 150000,
  currency: "KES",
  to: "254712345678",
  rail: "auto", // AI picks best
  idempotency_key: "txn_kx92m"
});

// Response · 34ms
{
  "status": "success",
  "rail_used": "mpesa",
  "latency_ms": 34,
  "ref": "MPE-8821KX"
}
48ms average latency
AI-optimised routing selects the fastest available rail for every call — with automatic retry and failover if the primary provider degrades.
Idempotent by default
Every API call is idempotent — supply a key and we guarantee no duplicate transactions even on retry, timeout, or network failure.
SDKs in 6 languages
Node.js, Python, Java, Go, PHP, and Ruby SDKs — all with TypeScript types, comprehensive examples, and a sandbox pre-loaded with African test data.
Trust & security

Enterprise-grade security
at every layer

Every API call through the zung.ai gateway is authenticated, encrypted, rate-limited, and monitored — with automatic compliance enforcement for PSD2, GDPR, and local African data regulations across every connected provider.

OAuth 2.0 & mTLS Authentication
End-to-End TLS 1.3 Encryption
PSD2 Consent Management
Rate Limiting & DDoS Protection
SOC 2 Type II · ISO 27001
GDPR / NDPR Data Minimisation
mTLS & API Key Rotation
Every connection uses mutual TLS with automatic certificate rotation — no long-lived secrets that can be compromised.
Real-Time Threat Detection
AI monitors every API call pattern for anomalies — unusual volumes, geographic anomalies, and credential stuffing attempts flagged and blocked in real time.
Immutable API Audit Log
Every API call, response, provider used, and cost logged tamper-proof — searchable by your compliance team and exportable for regulatory review.
Data Residency Control
Configure data processing and storage per country — ensuring customer data never leaves the jurisdiction required by your regulator for each market.
The ecosystem

300+ partners,
one gateway

Connect once and instantly access every mobile money network, open banking provider, card scheme, credit bureau, and fintech partner in the zung.ai ecosystem.

Connect your bank to everything

One integration to
every payment rail in Africa

Join 70+ banks using zung.ai to process 142M+ API calls daily — connecting to M-Pesa, MTN, open banking, credit bureaus, and 300+ fintech partners through a single, AI-powered gateway that handles routing, failover, and compliance automatically.

Request a Demo → View API Docs
Single integration Live in 1 week 99.999% uptime SLA SOC 2 Type II