How It WorksThree steps from sandbox to scale
We've made it as easy as possible to embed regulated banking inside your own product — without you having to become a bank.
Get sandbox keys
Sign up for a Halo Business account, and we'll provision sandbox API credentials within one business day so your engineering team can start building.
Integrate the APIs
Drop our REST endpoints and webhooks into your product. Wallets, accounts, transfers, KYC, and investments — all in one consistent, well-documented surface.
Go live with confidence
Complete your compliance review with the Halo team, swap to production keys, and launch knowing your stack is CBN-licensed and SEC-regulated end to end.
Banking-as-a-ServiceStart leveraging our Banking-as-a-Service Solution to Grow Your Business
From wallet issuance to treasury optimization and investment integration, Halo's Banking-as-a-Service infrastructure provides the secure, scalable foundation you need to expand services, deepen customer engagement, and accelerate growth.
Company Wallet
Centralized digital wallets for real-time fund control and visibility.
Account Management
Structured account issuance with secure oversight and compliance.
Embedded Savings and Investment
Integrated savings and investment tools to grow user balances.
The APIOne API surface for accounts, money, and yield
Issue accounts, move money, run KYC, and offer savings or investments from inside your product — using a single, consistent REST API with first-class TypeScript and Python SDKs.
- Wallets, virtual accounts, and beneficiaries
- Local + multi-currency transfers (NGN, USD)
- Embedded Halo Mutual Fund subscriptions
- Idempotency keys and signed webhooks built in
// Open a Halo account for one of your users
const account = await halo.accounts.create({
user_id: "usr_3kFp29",
type: "savings",
currency: "NGN",
});
// Move money into it
await halo.transfers.create({
to: account.id,
amount_kobo: 500_00,
reference: "ord_27FxK1",
});
// Subscribe to balance updates via webhook
halo.webhooks.on("account.balance_updated", (event) => {
console.log(event.data.balance_kobo);
});Powering the back office of growing companies
- Businesses served
- 200+
- Monthly transactions
- ₦54.5M+
- Active users
- 4,500+
- API uptime
- 99.99%
Join Halo and experience seamless financial solutions for you
Halo is a digital financial services platform providing Investing, Savings and Banking services.
Download the Halo app on iOS or Android — get started in minutes.
