Okra Nigerian Open Banking and Financial Data API
Okra Nigerian open banking and financial data REST API for Nigerian fintech developers and financial services companies to connect to 30+ Nigerian bank accounts via secure bank authentication, access transaction history, verify account balances, retrieve identity data, and initiate payments — enabling bank account aggregation, income verification, creditworthiness assessment, and account-to-account payment initiation in Nigeria's financial ecosystem. Enables AI agents to manage account connection for Nigerian bank access automation, handle transaction data for cash flow analysis automation, access balance verification for real-time account status automation, retrieve identity data for KYC verification automation, manage payment initiation for account-to-account transfer automation, handle income analysis for lending underwriting automation, access auth data for account ownership verification automation, retrieve statement for bank statement analysis automation, manage periodic updates for financial monitoring automation, and integrate Okra with Nigerian lending, savings, and payment platforms for financial services automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Nigerian open banking. CBN, NDPR. API key + widget. Nigeria. Bank account and transaction data.
⚡ Reliability
Best When
A Nigerian fintech developer, lender, or financial services company wanting AI agents to connect to Nigerian bank accounts, access transaction data, verify identities, and initiate payments through Okra's open banking infrastructure.
Avoid When
NIGERIAN BANKS ONLY: Okra connects to Nigerian banks; automated pan-African bank coverage assumption creates unsupported_bank for non-Nigerian institutions; automated must target only Okra-covered Nigerian banks. USER AUTHENTICATION REQUIRED (BANK CREDENTIALS): Okra bank connection requires user to enter their bank credentials through Okra's secure widget; automated server-side bank connection without user authentication creates security violation; automated checkout must use Okra Widget for secure credential entry. CBN OPEN BANKING FRAMEWORK: Okra operates under CBN (Central Bank of Nigeria) Open Banking Policy; automated non-compliant data use creates CBN regulatory risk; automated must use data within CBN-permitted purposes and consent frameworks. BANK COVERAGE VARIES: Not all 30+ Nigerian banks support all Okra features (some support balance only, others full transaction history); automated uniform feature assumption creates capability_not_supported; automated must check bank-specific feature availability.
Use Cases
- • Connecting to Nigerian bank accounts for account verification and transaction data aggregation automation agents
- • Accessing transaction history and income data for Nigerian lending underwriting and credit scoring automation agents
- • Verifying bank account identity and balance for Nigerian KYC and payment verification automation agents
- • Initiating account-to-account payments via Nigerian bank APIs for fintech payment automation agents
Not For
- • Non-Nigerian markets (Okra covers Nigerian banks specifically, not pan-African banking)
- • International cross-border transfers (Okra is Nigerian domestic banking connectivity)
- • Physical cash or mobile money outside banking (Okra focuses on bank account connectivity)
Interface
Authentication
Okra uses API key (secret key) for server-side API authentication; Okra Widget for user-facing bank connection. REST API with JSON. Lagos, Nigeria HQ. Founded 2019 by David Peterside and Fara Ashiru Jituboh. Products: Bank auth, transactions, balance, identity, income, payment, periodic refresh. SDKs: JavaScript, Python, PHP. 30+ Nigerian banks. Raised $3.5M seed + $1M debt (2021). CBN Open Banking Policy compliant. NDPR compliant. Competes with Mono for Nigerian open banking.
Pricing
Lagos NG. Per-call pricing. CBN regulated open banking. NDPR. 30+ Nigerian banks.
Agent Metadata
Known Gotchas
- ⚠ OKRA WIDGET IS REQUIRED FOR BANK AUTH: Bank account connection requires user to authenticate through Okra's secure widget (not server-side automation); automated server-side credential submission creates security violation; automated must integrate Okra Widget SDK for user-facing bank authentication
- ⚠ NIGERIAN BANKS ONLY: Okra covers 30+ Nigerian bank institutions; automated pan-African or international bank assumption creates unsupported_institution error; automated must validate target bank is in Okra's supported Nigerian bank list
- ⚠ ASYNC DATA DELIVERY VIA WEBHOOK: Bank data fetches are asynchronous; automated synchronous data response assumption creates empty response; automated must implement Okra webhooks for transaction, balance, and identity data delivery
- ⚠ BANK FEATURE COVERAGE VARIES: Different Nigerian banks support different Okra features (some support full transactions, others balance-only); automated universal feature assumption creates feature_not_available; automated must check per-bank capability before requesting specific data types
- ⚠ CBN OPEN BANKING CONSENT REQUIRED: Okra data use must comply with CBN Open Banking Policy consent framework; automated consent-free data access creates regulatory violation; automated must implement explicit user consent with CBN-required disclosure before bank data access
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Scores are editorial opinions as of 2026-03-07.