Fintech &
Rewards
at scale.
Build modern digital-asset, loyalty, and payment experiences on secure, compliant, and massively scalable fintech infrastructure engineered by Horan Technologies.
<2min
Average KYC completion time
99.99%
Platform uptime SLA
100ms
API response time
10+
Payment integrations
Core Capabilities
Four integrated building blocks that power every great fintech product wallets, rewards, payments, and compliance.
Digital Wallets
Multi-asset, multi-currency wallets with real-time balance updates, transaction history, and programmatic fund management APIs.
Non-custodial and custodial wallet options
Multi-signature wallet support
Instant in-app top-up and withdrawal
Webhook-based transaction notifications
Rewards Engine
Flexible points, cashback, and digital-asset reward programs that drive engagement, retention, and viral growth.
Rule-based earn triggers (purchases, referrals, milestones)
Tiered loyalty levels with auto-upgrade
Redemption for vouchers, cash, or digital assets
Real-time leaderboards and progress tracking
Payments Processing
Accept and disburse payments across multiple rails mobile money, card networks, bank transfers, and stablecoins.
Chapa, Telebirr, M-Pesa, Stripe integrations
Batch payouts and scheduled disbursements
Split payment and escrow capabilities
PCI DSS-compliant card processing
KYC & Compliance
Automated identity verification, AML screening, and compliance workflows built for regulated financial products.
Document upload & liveness check
Sanctions and PEP list screening
Tiered KYC for progressive onboarding
Regulatory reporting exports (FATF, NBE)
From onboarding to first withdrawal in minutes.
A user joins your fintech platform, completes KYC in under two minutes, and receives their digital wallet. As they make purchases or complete challenges, they automatically earn digital asset rewards tracked on their dashboard. When ready, they redeem those assets for cash or vouchers and withdraw to their mobile money account all within your branded app, powered by Horan.
KYC in under 2 minutes
Digital wallet activated
Earn rewards automatically
Redeem & withdraw instantly
Security & Compliance
Financial products require the highest standards of trust. We build for regulators, not just users.
Biometric Authentication
Face ID and fingerprint login with fraud-pattern detection to block account takeovers in real time.
End-to-End Encryption
All financial data is encrypted at rest (AES-256) and in transit (TLS 1.3). Keys are managed via HSM.
AML Screening
Automated transaction monitoring with configurable risk rules and SAR generation for suspicious activity.
Regulatory Compliance
Architecture aligned with National Bank of Ethiopia directives, EU PSD2 principles, and FATF recommendations.
Built to scale with you.
Whether you are launching with 100 users or serving a million transactions a day, our infrastructure scales elastically with zero architectural re-work on your end.
Microservices architecture handles 100,000+ concurrent users
Horizontal auto-scaling on AWS or Azure zero downtime during traffic spikes
99.99% uptime SLA with active-active multi-region redundancy
Sub-100ms API response times for all critical financial operations
Event-driven architecture with Apache Kafka for real-time data pipelines
SDK libraries for iOS, Android, and Web to accelerate your product roadmap
Ready to build your fintech product?
From concept to compliant launch our fintech engineering team turns your idea into a production-ready platform faster than you think possible.
BPO and offshore outsourcing software development company.
United States
1021 E Lincolnway Suite 9158 Cheyenne, WY 82001 USA
contact@horan.et
+1 307 206 0800
Ethiopia
Bole Dembel, TIGI's Building, 2nd Floor, Addis Ababa, Ethiopia
contact@horan.et
+251 963 777 774
BPO and offshore outsourcing software development company.
United States
1021 E Lincolnway Suite 9158
Cheyenne, WY 82001, USA
+1 307 206 0800
Ethiopia
Bole Dembel, TIGI's Building
2nd Floor, Addis Ababa, Ethiopia
+251 963 777 774
contact@horan.et
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