Bridge for Business

Plug in once. Do everything with money.

One integration for accounts, collections, payouts, offline payments, bills, escrow, savings and identity.

One API connection replaces every banking, identity and payments negotiation
White-label and fully isolated: your customers, your brand, your data
Add capabilities later without re-integrating

Talk to us Read the docs →

Your app

Your dashboard

Your POS

One APIapi.bridgemoni.com

Accounts & ledger

Collections

Payouts

Offline payments

Escrow

Identity & KYC

26 capabilities built and ready to switch on, across 11 areas.

The Bridgemoni app runs on it

Bridge Payments

Get paid on every rail. Even offline.

A payment gateway for business owners: transfer, QR, wallets, vouchers and tap to pay with no network, with cards and USSD coming. Payouts, billing, escrow and splits on the same account.

Get started See Bridge Payments

Already connected

Every negotiation you won't have to make.

Banking partner

Accounts and account numbers through a partner bank already connected.

Identity

BVN, NIN and account checks, with tiers and limits that rise as customers verify.

Bills and airtime

A catalogue across countries, already connected.

Notifications

SMS, email and push, already connected.

The platform

Everything a financial product needs.

Offline payments

Payments that keep working when the network doesn't.

Load online. Pay offline. Settle when the signal returns. The money never leaves the bank.

Load
Online, from the customer's account to their device.
Pay
Offline, phone to phone or at a POS.
Settle
When the signal returns.
Credited
The payee's account is credited.

Offline for banks and agent networks

Solutions

If your product moves money, it's built for it.

Start from what you do.

Fintechs & neobanks

Launch a full money app without building the plumbing.

Fintechs & neobanks

Banks, MFBs & PSBs

Add offline payments and new products to the channels you already run.

Banks, MFBs & PSBs

Marketplaces

Collect, hold and split, so buyers and sellers both trust you.

Marketplaces

Cooperatives & groups

Group money with signatures, dues and payouts.

Cooperatives & groups

All solutions

Architecture

Nothing hard-wired. Everything swappable.

Every provider sits behind one interface. Change a bank, an identity check or a bills aggregator, and your integration doesn't change.

Your call→Bridge→

Provider A

Active

Provider B

Standby

Provider C

Compliance

Compliance is the foundation, not a feature.

KYC tiers with limits that rise as customers verify
Fraud scoring before anything posts: allow, review or block
Watchlists and sanctions screening
Maker-checker approvals on money that leaves
A full audit trail

Security & compliance

Fraud decision · before posting

Allow

Posts straight away

Review

Held for a person

Block

Never posts

Developers

Built for engineers who have been let down before.

One base URL; test and live switched by a header
Idempotency keys on every money call
Signed webhooks with replay
Generated API reference

Read the docs Quickstart

Open an escrow agreement: POST /escrow

curl -X POST "https://api.bridgemoni.com/escrow" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
    "payeeIdentifierType": "MSISDN",
    "payeeIdentifier": "text",
    "amount": 250000.0,
    "currencyCode": "NGN",
    "expiresAt": "2027-03-14T14:30:01",
    "narrative": "March payroll",
    "gates": [
      {
        "name": "Ada Obi",
        "amount": 250000.0,
        "criteriaDescription": "March payroll",
        "dueAt": "2027-03-14T14:30:01"
      }
    ]
  }'

Reference build