We Build & Setup Your Bussiness Financial Infrastructure.
PenniVault is a white-label financial infrastructure platform that Harjota builds, customizes, and licenses to institutions. You focus on running your business - we handle the savings, payments, and financial operations layer underneath.
Your customers get a seamless savings and investment experience under your brand. You never need to build or maintain any of it.
The Problem
Most institutions need financial services but should not be building them.
Building financial systems from scratch?
Developing savings modules, installment system, affiliate management and wallet systems in-house costs millions and takes months - time and money most institutions cannot afford to spend.
All payments are routed directly to you
We never hold customer funds - all funds flow through and remain with your institution. We provide the infrastructure layer only. You stay in control of the money.
Stuck maintaining fragile systems?
Your team spends more time patching financial tools than improving your actual product. Maintenance becomes a permanent cost center.
Losing customers over poor financial UX?
Your customers expect seamless savings, payments, and account management - but your cobbled-together tools cannot deliver that experience.
How PenniVault Works
We build it. We license it to you. Your customers use it under your brand.
01
We Partner With You
We understand your institution, your customers, and the financial services they need. Together we scope the right modules.
02
We Build It Custom
Our team builds a tailored financial platform - branded as yours - with the exact modules your operation requires.
03
We License It to You
We deliver a fully functional financial infrastructure under your brand. No dev team needed. Just plug it into your existing systems.
04
We Manage It
We handle updates, security, compliance, and infrastructure. You focus on running your core business - we handle the rest.
What Makes PenniVault Different
A complete financial ecosystem - not just savings. Marketplace, investments, and installment infrastructure built in.
Marketplace
Integrated Marketplace & Installment Payments
Your customers can browse and purchase products from you directly within the platform. Offer installment payment options powered by their savings history - driving engagement and retention.
- Curated marketplace (real estate, goods, services)
- Buy now, pay in installments
- Installment tracking and overdue management
Investments
Investment Opportunities for Your Customers
Offer curated investment opportunities - from agriculture to real estate - directly within the platform. Your customers can browse, invest, and track returns without leaving your ecosystem.
- Vetted investment opportunities with clear returns
- Portfolio tracking and performance reports
- Risk level indicators and maturity timelines
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Affiliate Management
Marketer & Affiliate Infrastructure
Give your institution a built-in system for managing field agents, marketers, and affiliate partners. Track referrals, calculate commissions, and manage payouts - all automated within the platform.
- Agent and marketer onboarding with unique referral codes
- Automated commission calculation and payout tracking
- Performance dashboards for individual and team metrics
- Multi-tier affiliate structures with configurable rules
Affiliate Dashboard
248
Active Agents
1,420
Referrals
₦3.2M
Commissions Paid
Adewale O. - 87 referrals
₦142,500
Chioma N. - 63 referrals
₦98,200
Ibrahim K. - 41 referrals
₦67,800
Ready to add financial infrastructure to your platform?
Book a 30-minute call and we will show you how PenniVault integrates with your existing systems.
Book a DemoSavings & Wallet Modules
The core financial building blocks we license to your institution. Each one is production-ready and fully managed.
Wallet System
Real & Virtual Wallet Infrastructure
A complete wallet system with real and virtual balances. Your customers can deposit, withdraw, transfer, and manage their funds - with full transaction history and linked bank accounts.
- Real wallet for direct deposits and withdrawals
- Virtual wallet for group savings payouts
- Multiple linked bank accounts per user
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PenniSave Module
Automated Savings Infrastructure
Give your customers the ability to set up automatic savings - daily, weekly, or monthly - directly within your platform. We handle the deduction logic, wallet management, and transaction records.
- Configurable auto-deduction schedules
- Real-time wallet balance management
- Flexible withdrawal rules you control
PenniLock Module
Fixed-Term Deposit Management
Offer your customers fixed-term savings products with competitive returns. We manage the lock periods, interest calculations, maturity processing, and fund release - all under your brand.
- Configurable lock periods and rates
- Automated interest calculation and accrual
- Maturity notifications and auto-release
TargetSave Module
Goal-Based Savings Engine
Let your customers create savings goals with targets, deadlines, and progress tracking. We provide the infrastructure for goal creation, auto-contributions, milestone alerts, and visual progress - you set the rules.
- Unlimited savings goals per user
- Visual progress tracking with milestones
- Auto-contribute or manual top-up support
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PenniAjo Module
Group Savings & Rotational Collections
Power group savings (Ajo/Esusu) within your platform. We handle the contribution collection, rotation schedules, payout tracking, and member accountability - with two operational modes built in.
- Peer-to-Peer mode: members save together equally
- Vendor-Led mode: institutions manage groups as a service
- Automated collection, rotation, and payout logic
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Your Brand. Our Infrastructure.
Everything is white-labeled and secured to enterprise standards.
Fully White-Labeled
Your logo, your colors, your domain. Your customers never see Harjota - they see your brand.
Bank-Level Encryption
256-bit AES encryption at rest and TLS 1.3 in transit. The same standard used by banks worldwide.
KYC & BVN Verification
Identity verification built in. Every account is verified to prevent fraud and protect your institution.
Managed Infrastructure
We handle hosting, scaling, backups, and disaster recovery. Your platform runs on enterprise-grade servers.
Let's Build Your Business Financial Infrastructure
Harjota PenniVault gives your institution production-ready financial infrastructure - custom-built, white-labeled, and fully managed by us.
No commitment. See the platform in 30 minutes.