Identity-anchored virtual account infrastructure
Nomba-backed, per-identity dedicated accounts, automatic reconciliation.
$ curl -X POST https://api.kobo.triumphsystems.tech/v1/identities \ -H "Authorization: Bearer sk_test_..." \ -H "Content-Type: application/json" \ -d '{ "type": "individual", "bvn": "22345678901", "first_name": "Satoshi", "last_name": "Nakamoto" }'CAPABILITIES
Dedicated identity, not a shared pool
Every customer gets their own NUBAN-style account. No more manual matching or relying on shared collection pools.
Explore →Reconciliation that's actually reliable
Idempotent design. Handles duplicate webhooks, delayed webhook delivery, partial payments, and overpayments out of the box.
Explore →A lifecycle that's actually modeled
Renames, closures, KYC tier changes, and misdirected payments have defined, tested behavior, not just a happy path.
Explore →CORE PRIMITIVES
How it works
Register an identity
Kobo provisions a dedicated Nomba virtual account.
Funds arrive
Automatically reconciled against that identity.
Lifecycle events
Handled by a defined state machine, not ad hoc code.
Your product
Reads statements and transaction history through one API.
Built and demonstrated with a school-fee collection app as a reference integrator — proving a second product team could build against the same API with zero special access.
View reference application →