Send money with
john@email.com
not account numbers.
RALD ALIA is Africa's financial identity and alias resolution network. Banks, fintechs, and developers use ALIA to route payments using emails, phone numbers, usernames, and business handles — securely, instantly.
100M+
Users Supported
<200ms
Resolution Latency
10K+ TPS
Throughput
99.99%
Availability SLA
Nigeria
First market
9 Tables
Core schema
8 Services
Microservices
Kafka
Event backbone
How it works
Resolution in under 200ms
RALD ALIA sits between initiating banks and destination banks. It resolves, routes, and audits — without ever holding funds.
User registers an alias
A bank customer links their email, phone, or username to their verified bank account. RALD ALIA stores only a tokenized reference — never the raw account number.
Sender initiates payment
The initiating bank calls POST /v1/resolve with the alias. RALD ALIA returns a routing token and bank code — no account numbers exposed.
Routing intelligence activates
ALIA determines the optimal destination bank, validates fraud scores, and returns full routing metadata in under 200ms.
Bank settles through existing rails
RALD ALIA never touches funds. The bank executes the transfer through NIBSS or any supported payment rail using the returned routing metadata.
Platform
Everything identity resolution needs
Alias Resolution
Resolve email, phone, username, or business handle to routing metadata in under 200ms globally.
Fraud Intelligence
Real-time velocity checks, behavioral analysis, device reputation, and ML-powered risk scoring.
Zero Trust Security
AES-256 encryption, TLS 1.3, tokenization, HSM support, and zero raw account number storage.
Event-Driven
Every action emits a Kafka event. Immutable audit logs. Full compliance trail for every resolution.
Multi-Bank Routing
Route to primary or fallback bank accounts. Support for multi-bank users and routing preferences.
Developer-First
REST APIs, webhooks, SDK libraries, sandbox environment, and Stripe-class developer experience.
Security
Banking-grade security by default
RALD ALIA is designed to meet the security requirements of central banks, tier-1 commercial banks, and regulated financial institutions. Every architectural decision prioritizes security.
Read our security architecture →All data encrypted at rest and in transit
Every connection secured with latest TLS
No implicit trust — every request verified
Hardware security module key management
No raw account numbers ever stored or transmitted
Automated cryptographic key rotation
SHA-256 chained, tamper-evident audit trail
Redis-backed per-key and per-IP controls
{
"alias": "john@email.com",
"initiating_bank": "058",
"transaction_ref": "TXN_REF_12345"
}Response — 87ms
{
"token": "tkn_01HXYZ...",
"routing": {
"destination_bank_code": "058",
"account_name": "John Doe"
},
"resolved_at": "2025-01-01T00:00:00Z"
}For Banks
Integrate in under 14 days
RALD ALIA provides a bank adapter framework, SDK, sandbox environment, and certification suite. Your engineering team can complete a full production integration in two weeks.
- Bank-grade SDK in Java, Kotlin, .NET, Node.js
- Sandbox environment for safe testing
- Dedicated integration support team
- Real-time resolution metrics dashboard
- Fraud intelligence subscription
Developers
Stripe-class developer experience
REST APIs, webhooks, sandbox, SDKs, logs, and usage analytics. Everything a developer needs to ship in hours.
/v1/aliases/v1/resolve/v1/aliases/v1/aliases/:id/v1/webhooksPricing
Simple, usage-based pricing
Sandbox
Free
Full sandbox access for development and testing.
- ✓ 10,000 test resolutions/month
- ✓ All API endpoints
- ✓ Sandbox webhooks
- ✓ Community support
Bank
Contact Sales
For licensed financial institutions going to production.
- ✓ Unlimited production resolutions
- ✓ SLA 99.99% uptime
- ✓ Dedicated integration support
- ✓ Fraud intelligence feed
- ✓ Compliance reporting
- ✓ Bank certification
Enterprise
Custom
For fintechs, platforms, and enterprise infrastructure.
- ✓ Custom volume pricing
- ✓ Multi-environment access
- ✓ Priority support & SLA
- ✓ Custom SLAs
- ✓ Security review
- ✓ Private deployment options