Know where every cent is. Always.
Shiwake tracks every wallet, top-up, payment, and fee inside your product, and guarantees the numbers always add up. You build the app. We keep the books.
The part of a fintech you shouldn't improvise.
Most products start with a balance column in the database and a spreadsheet for reconciliation. Then a payment retries, a transfer half-completes, or a refund gets entered twice. Now the numbers disagree, and nobody knows which one is right.
- ✕Balances that quietly drift from what actually happened
- ✕Reconciliation weekends with three spreadsheets open
- ✕An auditor's question you can't answer with confidence
Shiwake makes that impossible. Every movement of money is recorded on both sides, where it came from and where it went, so your totals always agree.
Three things your money layer must do. Shiwake does them for you.
Nothing goes missing
Every movement of money is recorded twice: where it came from and where it went. If the numbers don't add up, the transaction simply doesn't go through.
Launch in days, not months
Wallets, top-ups, transfers, fees, and statements work out of the box. That's months of infrastructure you don't have to build, test, or babysit.
Audit-ready from day one
A complete, tamper-proof history of every transaction, with statements and reports your accountant and your regulator can actually verify.
Built for the people building on money.
Ship your MVP on real money infrastructure.
Investors and partners take you seriously when the money layer is solid. Get months of runway back and launch on the same foundations the big platforms use.
Add wallets to your app this weekend.
You don't need to learn accounting. Tell Shiwake what happened, from top-ups to payouts to fees, and it keeps the books right underneath your product.
Client money, tracked to the last cent.
Savings, loans, and repayments. Every client's position stays current, with statements and reports your auditor will love. No more end-of-month mysteries.
Three steps. No accounting degree.
Create wallets
Give each customer, till, or branch its own wallet the moment they join. One request, done.
Record money moving
Top-up, transfer, fee, repayment: one call each. Shiwake writes it down on both sides, every time.
Read numbers you trust
Balances, statements, and reports that always agree, for you, your customers, and your auditor.
You can never quietly lose track of money.
Shiwake runs on the same rule banks have trusted for 500 years: money never appears or disappears. It always moves from somewhere to somewhere, and every transaction is checked against that rule before it's accepted.
Your product can have bugs. Your books can't.
The questions everyone asks.
Something else on your mind? Talk to us. A human answers.
Start on money infrastructure you don't have to second-guess.
Free to start. Friendly docs. And if you're a microfinance team, we'll walk your products onto Shiwake with you.