54Bank — Africa-First Core Banking Platform

565 pages · 46 domains · 426 microservices · 267 Postgres tables · 14 middleware

Overview

54Bank is a comprehensive core banking platform purpose-built for the African and Nigerian market. It provides full-stack banking capabilities from account opening to AML compliance, with support for commercial banks, microfinance banks, mortgage banks, and agriculture banking.

Architecture

┌─────────────────────────────────────────────────────────┐
│                   PWA (React + TypeScript)               │
│              565 pages · 46 sidebar categories           │
├─────────────────────────────────────────────────────────┤
│                  APISIX API Gateway                      │
│           Rate limiting · Auth · WAF · Routing           │
├─────────────────────────────────────────────────────────┤
│              Express.js Server (TypeScript)               │
│  259 CRUD routes · JWT Auth · RBAC · Input Validation    │
├──────────┬──────────┬──────────┬────────────────────────┤
│ Go (180) │ Rust(139)│ Python   │  Middleware Layer       │
│ Services │ Services │ (106)    │  Kafka · Redis ·        │
│          │          │ Services │  Temporal · Keycloak    │
├──────────┴──────────┴──────────┴────────────────────────┤
│               PostgreSQL + TigerBeetle                   │
│        267 tables · Double-entry ledger · ACID           │
└─────────────────────────────────────────────────────────┘

Quick Start

Prerequisites

• Node.js 22+ (via Volta)
• PostgreSQL 15+
• pnpm 9+

Setup

# Clone and install
git clone https://github.com/munisp/NGApp.git
cd NGApp
pnpm install

# Database setup
createdb bank54_db
export DATABASE_URL="postgresql://bank54_user:bank54_secure_2026@localhost:5432/bank54_db"

# Push schema and seed
npx drizzle-kit push
pnpm run seed

# Start development server
pnpm run dev

The platform will be available at http://localhost:3000.

Demo Credentials

Role	Email	Password
Admin	admin@54bank.ng	admin
Operations	ops@54bank.ng	ops123
Compliance	compliance@54bank.ng	comp123
Treasury	treasury@54bank.ng	treas123
Branch	branch@54bank.ng	branch123

Banking Domains (46 Categories)

Category	Pages	Description
Core Banking	24	Accounts, customers, transactions, branches
Payments & Transfers	17	NIBSS NIP, RTGS, NEFT, bill payments
Cards & Digital	11	Card issuance, POS, ATM, digital wallets
Lending & Credit	19	Loans, credit scoring, collections, restructuring
Treasury & Markets	16	FX trading, money market, fixed income
Trade & Structured Finance	7	Letters of credit, bank guarantees
Wealth & Investment	7	Portfolio management, mutual funds
Accounting & GL	17	General ledger, chart of accounts, reconciliation
Risk & Compliance	26	AML, CTR, SAR, sanctions screening
KYC / KYB / Identity	33	BVN, NIN, biometric, corporate verification
Agent & Specialty Banking	12	Agent banking, Islamic banking, eNaira
Agriculture Banking	9	Farmer loans, crop insurance, cooperatives
Channel Banking	25	Voice, Telegram, WhatsApp, USSD, SMS
Agriculture Enhancement	40	NIRSAL, cooperative management, livestock
+ 32 more categories	...	Infrastructure, security, observability

Technology Stack

Layer	Technologies
Frontend	React, TypeScript, Vite, TailwindCSS
Backend	Express.js, TypeScript
Microservices	Go, Rust, Python (426 total)
Database	PostgreSQL 15, Drizzle ORM
Ledger	TigerBeetle
Event Streaming	Apache Kafka, Fluvio
Caching	Redis
Auth	Keycloak, JWT, RBAC (6 roles)
Authorization	Permify
Workflows	Temporal
API Gateway	Apache APISIX
Search	OpenSearch
WAF	OpenAppSec
Interoperability	Mojaloop (ILP)
Data Lake	Apache Iceberg (Lakehouse)

14-Middleware Stack

All services integrate with the full middleware stack:

1. Kafka — Event streaming for transactions, AML alerts, audit logs
2. Dapr — Microservice runtime with pub/sub, state management
3. Fluvio — Real-time stream processing for fraud detection
4. Temporal — Workflow orchestration for KYC, loan approval, SAR filing
5. PostgreSQL — Primary OLTP database (267 tables)
6. Keycloak — Identity provider with SSO, MFA
7. Permify — Fine-grained authorization (PBAC)
8. Redis — Session cache, rate limiting, OTP storage
9. Mojaloop — Interoperability hub for instant payments
10. OpenSearch — Full-text search, analytics dashboards
11. APISIX — API gateway with rate limiting, auth plugins
12. OpenAppSec — Web application firewall
13. TigerBeetle — Double-entry financial ledger
14. Lakehouse — Apache Iceberg data lake for analytics

Nigerian Regulatory Compliance

• CBN — Central Bank of Nigeria prudential requirements
• NFIU — Nigerian Financial Intelligence Unit reporting
• NDPR — Nigeria Data Protection Regulation
• NIBSS — Nigeria Inter-Bank Settlement System integration
• BVN — Bank Verification Number validation
• NIN — National Identification Number verification
• NIRSAL — Nigeria Incentive-Based Risk Sharing System
• FATF — Financial Action Task Force recommendations
• PCI-DSS — Payment Card Industry Data Security Standard
• IFRS 9 — International Financial Reporting Standard

API Documentation

• Swagger UI: http://localhost:3000/api/docs
• OpenAPI Spec: http://localhost:3000/api/docs/spec
• Health Check: http://localhost:3000/api/health
• Prometheus Metrics: http://localhost:3000/api/metrics/prometheus

CI/CD Pipeline

7 automated checks on every push:

1. Lint & Typecheck — ESLint + TypeScript strict mode
2. Build — Vite production build
3. Unit Tests — Vitest test suite
4. Go Services — go build for all 180 Go services
5. Rust Services — cargo check for all 139 Rust services
6. Python Services — Python syntax verification for 106 services
7. Docker Build — Multi-stage Docker image build

Deployment

Docker

docker build -t 54bank:latest .
docker run -p 3000:3000 --env-file config/production.env 54bank:latest

Kubernetes (Helm)

helm install 54bank ./helm/54bank \
  --namespace 54bank \
  --create-namespace \
  --set postgresql.existingSecret=54bank-db-credentials \
  --set redis.existingSecret=54bank-redis-credentials

Database Backup

# Automated daily backup
./scripts/db-backup.sh

# Restore from backup
./scripts/db-restore.sh /var/backups/54bank/bank54_db_20260514.sql.gz

Project Structure

NGApp/
├── client/src/           # React PWA (554 pages)
│   ├── pages/            # Page components
│   ├── components/       # Shared components (CrudWorkspace, etc.)
│   └── hooks/            # Custom React hooks
├── server/               # Express.js backend
│   ├── index.ts          # Main server entry point
│   └── lib/              # Server modules
│       ├── auth.ts       # JWT + RBAC authentication
│       ├── drizzleRoutes.ts  # 259 CRUD route configs
│       ├── inputValidation.ts  # Zod validation schemas
│       ├── security.ts   # OWASP headers, WAF
│       └── middlewareIntegration.ts  # 14 middleware
├── drizzle/
│   └── schema.ts         # 267 Drizzle table definitions
├── services/             # 426 microservices
│   ├── *-go/             # 180 Go services
│   ├── *-rs/             # 139 Rust services
│   └── *-py/             # 106 Python services
├── helm/                 # Kubernetes Helm charts
├── scripts/              # Operational scripts
├── config/               # Environment configs
└── apisix/               # API gateway config

Contributing

1. Fork the repository
2. Create a feature branch: git checkout -b feature/my-feature
3. Make your changes with proper tests
4. Run lint: pnpm run lint
5. Run typecheck: pnpm run typecheck
6. Run tests: pnpm test
7. Submit a pull request

License

Proprietary — 54Bank Technologies Ltd. All rights reserved.