ShadowSpark is the AI Operating System for African Fintech
Automate loan origination, instant KYC verification, and intelligent payment recovery. Built for microfinance banks and digital lenders processing the $32.2 billion MSME credit gap.
Not a CRM. Not a Chatbot. A Sovereign Financial Node.
Competitors sell messaging seats. We sell financial infrastructure purpose-built for Nigerian regulation and African lending economics.
Double-Entry Ledger
Bank-grade accounting for every transaction. Competitors log messages; we log debits and credits with full audit trails.
SEC Circular 26-1
Automated VASP capital threshold monitoring and reserve provisioning. Built for the June 2027 deadline.
CBN BVN Lock Ready
NDPA-compliant identity anchoring and BVN-phone linkage. Prepared for CBN regulatory shifts.
RWA Tokenization
Tokenize Lagos real estate and private assets as collateral. A second revenue engine beyond digital lending.
One Dashboard for Every Naira
See loan flow, compliance posture, and recovery signals in a single pane. Built from the shadcn-fintech dashboard pattern, adapted for ShadowSpark's sovereign financial node.
Sovereign Operating Dashboard
Live view · Lagos Mainnet
Ledger Balance
₦2.4B
+12.4%
Active Loans
1,247
+8.2%
KYC Verified
98.2%
+2.1%
Recovery Rate
94.2%
+4.7%
Loan Pipeline
Regulatory & Recovery Alerts
SEC Circular 26-1 capital deadline: 47 days
CBN open banking guideline refresh detected
12 accounts queued for polite recovery nudge
From Zero to Live in Three Steps
No six-month implementation. No rip-and-replace. ShadowSpark layers on top of your existing stack and starts automating on day one.
Connect
Plug ShadowSpark into WhatsApp, your core banking system, and KYC providers in under 48 hours.
Verify
Automate BVN/NIN checks, document OCR, and regulatory consent capture with immutable audit logs.
Deploy
Launch AI loan intake, recovery agents, and compliance monitoring across every channel your customers use.
Regulatory Pulse
ShadowSpark's Firecrawl RAG bridge reads CBN, SEC, NITDA/NDPC, and NIBSS signals nightly. Your compliance posture stays current without a research team.
Circular 26-1 VASP capital deadline
₦2B capital base required by June 2027. ShadowSpark monitors wallet balances vs threshold.
Open Banking guideline refresh
Updated API consent frameworks affect lender data retrieval workflows.
Data Protection Act 2023 enforcement
Breach notification timelines shortened. Consent logs must be WORM-auditable.
NIP real-time settlement uplift
Higher throughput expected for disbursement and recovery rails.
Refreshed nightly from 5 regulatory sources via Firecrawl
The $32.2 Billion Problem
Nigerian microfinance banks still process loans on spreadsheets and WhatsApp chats. Loan officers manually verify identities, chase documents, and send payment reminders one by one. The result: 14-day approval cycles, 40% application drop-off, and compliance nightmares.
Four Modules. One Platform. Zero Manual Work.
Everything you need to originate, verify, disburse, and recover loans — on a single AI-native platform.
Automated Loan Intake
WhatsApp-Native Applications
Applicants complete full loan forms via WhatsApp — document upload, e-signature, consent capture. No app download. 97% of African internet users are already on WhatsApp.
See How It WorksInstant KYC Verification
AI-Powered Identity Verification
BVN validation, NIN verification, document OCR in under 60 seconds. Automated fraud detection with immutable audit trails for CBN compliance.
Explore KYC PipelineThe Compliance Engine
Regulatory-First Architecture
Pre-built NDPA workflows, automated consent management, WORM audit logging. Non-compliance penalties reach ₦10M or 2% of revenue. We make compliance automatic.
View Compliance DocsIntelligent Recovery
AI Recovery Agents
Polite, persistent payment reminders via WhatsApp and SMS with behavioral escalation. Reduce default rates with AI that knows when to nudge and when to escalate.
See Recovery FlowWhy Lenders Choose ShadowSpark
Case Study: Lodgist
ShadowSpark Architecture in Production
Lodgist runs on the same ShadowSpark infrastructure that powers fintech lenders: AI search pipelines, Paystack payment orchestration, multi-tenant RBAC, and real-time analytics. This is what ShadowSpark's platform layer delivers at scale — not just for property tech, but for any high-volume African business.
[X]
AI search queries/day
[Y]
Property managers (multi-tenant isolation)
Paystack
Payment automation integration
Built for African Fintech Scale
ShadowSpark was founded to solve a critical infrastructure gap: African lenders still process loans on spreadsheets and WhatsApp chats. We built the AI Operating System that automates intake, verifies identities in seconds, and ensures every disbursement meets CBN and NDPA standards.
From microfinance banks in Lagos to digital lenders in Nairobi, ShadowSpark is the infrastructure layer powering the next generation of African credit.
The Problem
$32.2 billion
Unmet MSME credit demand across Nigeria alone. Lenders still rely on spreadsheets, manual follow-ups, and disconnected WhatsApp chats.
The Solution
End-to-end AI automation
From WhatsApp-native intake and instant KYC to regulatory compliance and intelligent recovery — one platform layer for the entire loan lifecycle.
The Traction
65% faster turnaround
Modeled production workflows show loan processing compressed from days to minutes, with immutable audit trails for every decision.
Transparent Pricing in Naira
No setup fees. No per-message surprises. The price you see is the price you pay.
Starter
₦25,000/month
For lenders testing WhatsApp-first loan operations.
- 1 WhatsApp bot
- 1,000 messages/month
- Basic analytics
- Onboarding walkthrough
Growth
₦150,000/month
For teams ready to automate across channels.
- 3 channels (WhatsApp, Web, SMS)
- 10,000 messages/month
- Full BI dashboard
- Lead capture + CRM integration
- 1-business-day support
Enterprise
Custom
For banks and large lenders with SLA requirements.
- Unlimited channels
- RPA workflow automation
- Dedicated account manager
- Custom AI model training
- SLA & uptime guarantee
- NDPR compliance documentation
Bank-Grade Security. African Compliance.
Verifiable controls designed for Nigerian fintech regulation and institutional due diligence.
ShadowSpark is designed in alignment with Nigeria's National Data Protection Regulation (NDPA). We do not sell, share, or use your customer data for any purpose outside your service agreement. Data Processing Addendums available on request.
Ready to Transform Your Loan Operations?
Join Nigerian lenders already using ShadowSpark to automate intake, verify identities, and recover payments with AI.
No long-term contracts. Transparent pricing. Security-first deployment.