Treasury and ALM infrastructure for African banks.
AequorOS turns core banking data into risk numbers, board answers, and central-bank returns. Feed it a file, a push API, or a read-only view of the core you already run. Every figure shows its work.
The full product interface is public on this site. No login, no form.
The gap
Billions under management. Spreadsheets under the hood.
Across Ghana, Nigeria, and Kenya, mid-tier banks still run asset-liability management on Excel workbooks and an annual consulting engagement. The global vendors that solve this charge Tier 1 prices and take the better part of a year to install. So the banks in the middle make do.
Regulators are done waiting. Basel discipline, monthly prudential returns, and real stress testing are landing on every deposit-taking institution, on dates already published in circulars and exposure drafts.
Bank of Ghana has set the clock.
Public instruments and exposure drafts, as published
SEPT 2025
Credit concentration guidelines issued for banks, savings & loans, and finance houses.
FEB 2026
ICAAP, stress-testing, and two liquidity directives published for exposure.
DEC 2026
NPL ratios must reach 10% or below. Board concentration frameworks due.
1 JAN 2027
Stated effective date across the new directives. Tier 1 rigor, every institution.
A bank that waits for the deadline will meet it in a spreadsheet.
What it is
One governed path from core to return.
Data lands once. Everything downstream recomputes automatically, and every number can be traced back to the load that produced it.
YOUR SOURCES
Core banking extract
File upload
Secure push API
DATA ENGINE
Normalize and validate
Canonical model
Full lineage
SEVEN ENGINES
Recomputed on every accepted load. Deterministic where regulators require it.
THE OUTPUT
BoG returns, sign-ready
Board packs
ALCO views
Proof, not promises
The working product, in public.
These screens are the live platform running a synthetic Ghanaian bank. Browse all of it without an account.
Straight answers
Where we are, plainly.
LIVE TODAY
Data Engine with file upload and secure API push
Seven calculation engines on one canonical book
Bank of Ghana BSD returns, generated and export-ready
Full audit trail, lineage, and reproducible runs
SET UP PER BANK
Direct core-banking extracts, mapped to your chart of accounts during onboarding
Market-data vendor feeds, enabled after vendor onboarding checks
Behavioral models tuned to your institution's own history
WHAT'S NEXT
A first cohort of design-partner banks, onboarding now
Independent security audit ahead of production banking data
Nigeria (CBN) and South Africa (SARB) return formats on the same engine
We would rather you hear this from us than find it in diligence.
Bring us your hardest reporting month.
Thirty minutes with your Treasury or Risk lead. We will walk the platform against the workflows your bank actually runs.