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Omnichannel Banking (Omniban) is currently in the research and construction phase. This site presents the protocol's vision and architecture.

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One Protocol for
every corridor.

Omniban standardises verification, routing and settlement of financial instruments into a single open protocol — one API to connect banks, fintechs and mobile money.

Free sandbox · Integration in days · BCEAO compliant

Omniban prepares a shared layer to connect, certify, and audit financial actors without locking them into a single application.

Settlement
Banks & institutions
Distribution
Mobile money & field
Integration
Fintechs & platforms
Compliance
Audit & supervision
GN Active jurisdiction Guinea phase 1
98.4% MICR Accuracy OCR Reading
T+0 Target decision ORE pre-validation
4 ORE Pipelines Digital · Assisted · Semi · Manual

The infrastructure that powers cheques.

Omniban aggregates OCR, routing, and clearing into a unified network, accessible via a single API.

Omniban Scan™

MICR Reading & OCR Validation

Analyzes cheques in milliseconds — MICR extraction, alteration detection, ISO 20022 compliance. Accuracy over 98.4%.

Omniban Scan MICR result
Routing ORE™

Multi-country Jurisdictional Routing

ORE calculates the optimal pipeline in real time: Assisted for Guinea, Full Digital, Semi, or Manual based on jurisdiction, amount, image quality, risk, BCRG rules, and available adapters.

Multi-country jurisdictional routing
Phone Number Trust

Proof of long-term number ownership

Verifies that a phone number is stable, controlled by its owner, and usable as a trust signal before sensitive actions.

Phone signal
+224 *** ** 42
Tenure Stable
SIM swap risk Low
KYC reuse Allowed
REST API Webhooks ISO 20022 SDK iOS SDK Android Certification sandbox

ORE orchestrates every instrument.

The engine selects the right pipeline from partner context, jurisdiction, declared KYC, amount, risk, image quality, local rules, and available adapters.

01
Instrument received
ORE reads the instrument type, amount, issuer bank, and visual proofs.
Scan + OCR
02
Partner context
The partner, jurisdiction, KYC level, and risk score frame the decision.
Partner aware
03
Rules applied
Limits, image quality, duplicate checks, BCRG compliance, and exceptions are evaluated.
Rules engine
04
Pipeline selected
ORE selects FULL_DIGITAL, ASSISTED, SEMI_DIGITAL, or MANUAL with fallback when needed.
Smart routing
05
Audit and response
The Omnify-signed decision returns instructions, fees, status, and webhooks.
Signed output
Guinea Phase 1

GN bank cheque

The bank cheque is the current priority: pre-validation, scoring, QR ticket, and operational instructions.

Target banks Orabank · BICIGUI · Ecobank
Currency CAD · GNF
Priority pipeline ASSISTED
Target decision T+0

We aim to progressively cover Africa, then corridors beyond, after a solid validation of the model in Guinea.

View ORE engine →
Developer First, Institution Ready

A serious API,
built for production.

Omniban exposes APIs that are clear for developers and structured for institutions: partner certification, Omnify signatures, ORE routing, idempotence, webhooks, and Ledger audit.

GN
Active phase
ORE
Routed decision
Ledger
Signed audit
Signed webhooks

Every status change can be verified, replayed, and reconciled by the partner.

Real idempotence

Retries do not create duplicates: every critical request carries a stable key.

Versioned contracts

Stable payloads, explicit errors, HMAC signatures, and event-level traceability.

Certification sandbox

Realistic test scenarios: image quality, risk, fallback, and ORE decisions.

ore_cheque_sdk
// JavaScript: submit a certified cheque to ORE
const response = await fetch("/v1/instruments/cheques", {
  method: "POST",
  headers: {
    Authorization: "Bearer omn_live_...",
    "Idempotency-Key": "chk_2026_04_001"
  },
  body: JSON.stringify({
    cheque: { amount: 12500000, currency: "GNF", image_quality: 0.94 },
    routing: { jurisdiction: "GN", partner: "certified_institution" }
  })
});

const decision = await response.json();
console.log(decision.pipeline, decision.signature);
// PHP: same ORE cheque decision
use Omniban\Client;

$client = new Client('omn_live_...');

$decision = $client->cheques()->submit([
    'idempotency_key' => 'chk_2026_04_001',
    'cheque' => [
        'amount' => 12500000,
        'currency' => 'GNF',
        'image_quality' => 0.94,
    ],
    'routing' => ['jurisdiction' => 'GN'],
]);

echo $decision->pipeline; // ASSISTED
# Python: certified institution flow
from omniban import Omniban

client = Omniban(api_key="omn_live_...")

decision = client.cheques.submit(
    idempotency_key="chk_2026_04_001",
    cheque={
        "amount": 12500000,
        "currency": "GNF",
        "image_quality": 0.94,
    },
    routing={"jurisdiction": "GN"},
)

print(decision.pipeline, decision.audit_ref)
// Java: ORE assisted routing
OmnibanClient client = OmnibanClient.withToken("omn_live_...");

ChequeDecision decision = client.cheques().submit(
    ChequeRequest.builder()
        .idempotencyKey("chk_2026_04_001")
        .amount(12500000)
        .currency("GNF")
        .imageQuality(0.94)
        .jurisdiction("GN")
        .build()
);

System.out.println(decision.getPipeline());
// Golang: submit and verify the signed response
client := omniban.NewClient("omn_live_...")

decision, err := client.Cheques.Submit(ctx, omniban.ChequeRequest{
    IdempotencyKey: "chk_2026_04_001",
    Amount: 12500000,
    Currency: "GNF",
    ImageQuality: 0.94,
    Jurisdiction: "GN",
})
if err != nil {
    return err
}

fmt.Println(decision.Pipeline, decision.Signature)
// Rust: typed request, signed ORE decision
let client = Omniban::new("omn_live_...");

let decision = client.cheques().submit(ChequeRequest {
    idempotency_key: "chk_2026_04_001".into(),
    amount: 12500000,
    currency: "GNF".into(),
    image_quality: 0.94,
    jurisdiction: "GN".into(),
}).await?;

println!("{} {}", decision.pipeline, decision.audit_ref);

Pricing designed for financial infrastructure

Plans tailored for fintechs, banks, and institutions in Guinea — from testing to national integration.

Sandbox
Free
For testing the protocol

A secure environment to simulate Omniban integrations before going live.

  • Sandbox API access
  • Bank cheque testing
  • Developer documentation
  • Test API keys
Start testing
Enterprise
Contact
For critical institutions

An advanced offer for major banks, public institutions, and national actors.

  • Dedicated deployment
  • Advanced SLA
  • Security audit
  • Regulatory integration
  • Strategic support
Contact the team
Guinea first · Africa next · Corridors beyond

Build serious, verifiable, reusable financial infrastructure.