Koda is a financial technology company, not a bank. Banking, payments, identity, and (in future) credit services are provided through appropriately licensed partners.
Business accounts are provided by CBN-licensed partner banks (Wema Bank, Providus Bank) via Anchor, a licensed banking-as-a-service provider.
Collections and payouts are routed through regulated payment providers, with reconciliation handled server-side against the ledger — never recomputed on the client.
KYC, KYB, AML, audit logs, provider controls, and policy enforcement are owned and enforced on Koda's backend, not exposed to the client.
Koda Technologies Ltd. is a financial technology company. It does not hold a banking license and does not directly custody customer funds — funds are held at, and regulated as deposits of, our CBN-licensed partner banks.