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the feature list · everything that actually ships

The features that actually ship

No roadmap promises. Everything below is in the live product right now.

Create a lender account
By category

Six surfaces. One product

KYC & verification

Every borrower verified before money moves.

  • BVN and NIN verified against source-of-truth registries, returning in roughly 8 seconds
  • Face video capture during the apply flow
  • ID upload to Cloud Storage under admin-only rules
  • KYC review queue with admin approve / reject
  • Storage isolation — lenders only see KYC of borrowers with active disbursed loans

Loan products

Configure once, reuse across every disbursement.

  • Flat-interest rate
  • Tenor in days or months
  • Min and max amount per product
  • Fee per loan
  • Three concurrent loan cap per borrower, transactionally enforced

Wallet & disbursement

The money path, server-side and OTP-gated.

  • Fund the wallet via card or bank transfer
  • Real-time NGN balance via Firestore onSnapshot
  • OTP-gated disbursement — single-use code from Resend email
  • Real-time bank transfers to any of 30+ Nigerian banks
  • Status cross-verify with the payment rail before retrying a debit

Repayments

Borrowers pay, the ledger credits, the lender sees it live.

  • Dedicated dedicated virtual account per loan
  • hosted checkout link
  • Manual cash repayment recording with receipt
  • Receipt undo for misposted entries
  • Race-condition-free crediting on the Firestore ledger

Settlement & treasury

Move money out, reconcile, surface incidents.

  • Withdraw to your NGN bank, OTP-gated
  • ₦1M per transfer, ₦10M rolling 24h cap per lender
  • Treasury page with reconciled wallet totals across lenders
  • Auto-refund on transfer.failed and transfer.reversed webhooks
  • Incidents page surfaces silent failures from the heartbeat sentinel

Admin & audit

For platform-level oversight and accountability.

  • Multi-tenant view across every lender on the platform
  • Immutable audit log of every action
  • Configure the YT Finance platform fee per disbursement
  • Manual disbursement override for edge cases
  • Refund issuance with full trail
Where we sit

Honest comparison

Indicina and Lendsqr are solid products. We chose different trade-offs. Here are the ones we made.

Capability YT Finance Indicina Lendsqr Build your own
Naira-native (NGN wallet, NGN ledger) Yes Partial Yes 3–6 months
BVN + NIN verify in 8 seconds Yes, source-of-truth Yes Yes 2 weeks
OTP-gated disbursement on a single-use code Yes Not documented Not documented 1 month
Idempotent ledger anchored on deterministic IDs Yes Not documented Not documented 2 months
Heartbeat sentinel auto-replaying failed operations Yes No No 1 month
Self-serve signup, no sales call required Yes Sales call Sales call n/a
NDPR-aligned PII handling (admin-only storage rules) Yes Yes Yes 1 month
Time to first disbursement Same afternoon 1–2 weeks 1–2 weeks 6–9 months

Comparison reflects publicly documented capabilities at time of writing. YT Finance’s edge: naira-native, money-path-hardened, self-serve, NDPR-aligned. Lendsqr serves bigger MFBs. Indicina sits closer to credit-decisioning. Pick the one whose trade-offs match yours.

The whole feature set, live today

Sign up, configure a loan product, run KYC on your first borrower. Use the actual screens. Decide whether to move your book over after you’ve settled a real loan.

Create a lender account Read the security posture