Colveor Fintech

A modular, provider-agnostic fintech framework for NestJS.

Colveor Fintech provides the building blocks for developing modern financial applications, including wallets, payments, banking integrations, card processing, ledgers, and multi-currency support.

Features

• 💳 Card Payments
• 🏦 Banking Integrations
• 🏛 Virtual Accounts
• 👛 Wallet Management
• 📒 Double-entry Ledger
• 💸 Withdrawals & Payouts
• 🔄 Refunds
• 🔔 Webhook Processing
• 🌍 Multi-currency Ready
• 🔌 Provider-agnostic Architecture

Architecture

Application
        │
        ▼
Payment Service
        │
 ┌──────┴────────┐
 │               │
 ▼               ▼
Banking         Card
 │               │
 ▼               ▼
Providers      Providers

The application communicates only with the Payment Service.

Providers are implementation details.

Banking

The Banking module manages:

• Permanent Virtual Accounts
• Temporary Virtual Accounts
• Incoming Bank Transfers
• Withdrawals
• Payouts
• Bank Account Verification
• Bank List
• Transaction Verification
• Banking Webhooks

Supported providers will include:

• Monnify
• Paystack
• Flutterwave
• More in the future

Card

The Card module manages:

• Card Verification
• Card Tokenization
• Saved Cards
• Card Charges
• Refunds
• Card Webhooks

Supported providers will include:

• Paystack
• Stripe
• Flutterwave
• More in the future

Wallet Flow

Register
      │
Create Wallet
      │
Create Permanent Virtual Account (if supported)
      │
Fund Wallet
      │
Wallet Credited

If permanent virtual accounts are unavailable for a currency or provider, temporary virtual accounts can be generated during the funding process.

Provider Routing

Providers are selected based on currency.

Example:

NGN
 └── Monnify

USD
 └── Stripe

EUR
 └── Future Provider

Applications never need to know which provider is being used.

Design Principles

• Provider agnostic
• Modular architecture
• Wallet owns balances
• Payment owns provider communication
• Currency-based provider routing
• Easy to extend
• Multi-provider support
• Framework-first design

Roadmap

• [ ] Wallet
• [ ] Banking
• [ ] Card Payments
• [ ] Ledger
• [ ] Multi-currency
• [ ] Exchange Rates
• [ ] QR Payments
• [ ] Mobile Money
• [ ] Recurring Payments
• [ ] Crypto
• [ ] Reporting & Reconciliation

License

MIT License © Skyapp Labs