Nexora Capital Business Plan › Section 13 › Technology & Platform Architecture

The platform is cloud-native and API-first, built to bank-grade
security standards from inception. The R150m Year-1 technology
allocation funds a core banking and lending stack, the AI underwriting
engine, integration layer and compliance tooling; ongoing capex of 3–6%
of revenue sustains the roadmap thereafter.

Architecture Principles

• Cloud-native, multi-region: containerised
  microservices with active-active deployment across two SA availability
  zones; designed for multi-country tenancy from day one.
• API-first: every capability exposed internally
  and externally through versioned APIs, enabling embedded-finance
  distribution and third-party integration revenue.
• Event-driven data spine: a single event stream
  feeds underwriting, fraud, analytics and regulatory reporting, one
  source of truth, no reconciliation drift.
• Security & compliance by design: PCI-DSS
  scope isolation, encryption at rest and in transit, POPIA-compliant data
  residency, and immutable audit logging.
• Open-banking native: consented bank-statement
  and transaction ingestion; PayShap real-time payment rails.

Integration Ecosystem

Launch integrations cover Xero, Sage and QuickBooks (accounting),
Shopify and WooCommerce (commerce), and leading payroll systems. Each
integration is simultaneously a distribution channel, an underwriting
data source and a retention mechanism, the strategic rationale for
prioritising integration engineering ahead of feature breadth.

Build vs Buy Posture

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