Sub-Second Disbursals
No more 3:00 PM cutoff headaches. Direct NIP direct banking rails clear payroll and vendor invoices 24 hours a day, including weekends and public holidays.
Powerful features. Zero headaches.
Explore the enterprise-grade financial architecture purpose-built for corporate workflows. From multi-tiered approval chains to instant wallet payouts and multi-city treasury control.
AVERAGE CLEARANCE
1.8s
Direct via NIBSS
APPROVAL SPEED
4.2x
Faster audit turn
WITHHOLDING TAX
100%
Auto-computed WHT
Flow: CAPEX_HIGH_TICKET_V3
v3.8 Live
1
Team Manager (Direct Supervisor)
Policy trigger: Spending Threshold > ₦50,000
Assigned: Adebayo Williams (Engineering)SLA: 8h (Turnaround: 34 min)
2
Finance Officer (Audit & Tax)In Review
Deducts 5% WHT & validates recipient NUBAN
₦12,500 WHT Auto-held
3
QueuedFinance Head (Final Authorizer)
One-time expansion sign-off & payment release authorization
Signer: Chief Financial Officer · SLA: 4h
Auto-escalation logic: Overdue approvals push directly to VP Finance on SLA breach (+24h).
Active RuleWORKFLOW ORCHESTRATION
Build your own approval rules.
Eliminate email ping-pong, untracked WhatsApp approvals, and bureaucratic lag. Model real African enterprise workflows with granular precision and strict regulatory compliance.
Create multiple custom flows
Tailor approval ladders by department, expenditure category, vendor classification, or raw currency amount.
Set 24h / 48h SLAs (auto-escalation)
Prevent administrative roadblocks by automatically escalating overdue requests to senior executives or designated secondary authorizers.
Route based on Dept, Amount, or Category
Define complex operational rules like “₦2.5M+ requires MD sign-off” or “IT Hardware procurement requires CTO pre-check”.
INSTANT SETTLEMENT INFRASTRUCTURE
Instant vendor payouts.
Say goodbye to corporate bank token fatigue, cutoff hours, and weekend batch bottlenecks. Disburse funds directly through automated clearing rails with sub-second finality.
Complete Tier 2 KYB (CAC) quickly
Automated real-time corporate registry verification against CAC and databases
Pre-fund your corporate wallet
Centralize operational liquidity into a dedicated enterprise virtual reserve account with zero lock-in and seamless sweep rules.
Release funds without bank delays
Authorized payments clear immediately straight into recipient commercial bank accounts 24/7/365 via NIBSS NIP in under 2.4 seconds.
ENTERPRISE VIRTUAL RESERVE
NUBAN: 0129384755· Wema / Providus Bank
Available Operational Balance
₦ 4,500,000.00
Top Up Wallet.csv
RECENT LIVE CLEARING STREAMNIBSS LIVE
CoolTech Solutions Ltd
Software Licensing · Providus
-₦47,200.00
Settled (0.9s)
SwiftHaul Logistics NG
Inter-state Freight · Zenith Bank
-₦138,500.00
Settled (1.2s)
Corporate Treasury Transfer
Master Inflow · First Bank
+₦5,000,000.00
Auto-Reconciled
Segregation of Duties Enforced2FA Finance Manager Release Mandate
Federated Treasury Topology
3 Branches ConnectedGROUP TREASURY CONSOLIDATED CAP
₦8,500,000.00Total Cap
Allocated: ₦4,700,000.00 (55.3%)Reserve: ₦3,800,000.00
REGIONAL TREASURY CONTROL
Scale across cities seamlessly.
Empower local branch operations with autonomous petty cash and procurement limits without surrendering central group treasury oversight.
Group Admin HQ Dashboard
Maintain high-level visibility across all operational nodes with centralized policy controls and global emergency freeze switches.
Assign local budgets per branch
Isolate departmental spending caps for Lagos, Abuja, Port Harcourt, and Kano with programmatic hard ceilings and real-time alerts.
Consolidated group reporting
Generate 1-click IFRS-compliant expenditure summaries, withholding tax audits, and branch-by-branch cost performance benchmarking.
ENGINEERED FOR FINANCIAL TEAMS
Why Kosten Outperforms Legacy Approvals
The difference between static manual bureaucracy and institutional automation.
Strict Forensic Audit Trails
Every sign-off records timestamp and tax withholding calculation for bulletproof FIRS and external auditor compliance.
ERP & Ledger Integration
Automatically syncs voucher payouts to Sage, QuickBooks, SAP, and Xero. Minimize double-entries and eliminate reconciliation discrepancies.
Ready to take absolute control of your company spend?
Join fastest growing companies, manufacturers, and multi-branch enterprises transforming financial operations.