TerraLink / SolutionsSolutions

One technology company. A full solutions portfolio.

Every system is built and run by TerraLink, deployed under your brand and licence — conventional, interest-free, or both.

Flagship · Shariah-governedTerraCore IF SuiteInterest-free banking in six certified modules — wallet, savings, finance, Hajj, Zakat, Takaful.Explore → AI scoring as a serviceTerraCore ScoreExplainable credit decisions for thin-file customers, from the signals you already hold.Explore → Property & lease managementTerraCore EstateRegister to rent collected — for housing corporations, landlords and developers.Explore →
Banking Wallet System

The account your customers live in.

A white-label wallet for banks and operators — deployable conventional, interest-free, or both on one core.

AccountsKYC-tiered onboardingOpen accounts in minutes with tiered limits that grow with documentation.
PaymentsP2P, bills, merchants, airtimeFull payment rails with QR and receipt trails, settled to your ledger.
ChannelsApp · USSD · agentOne balance across smartphone, feature phone and agent network.
GrowthSavings, goals & nudgesGoal-based saving and campaigns that lift balances and activity.
Full-suite Microfinance

Everything an MFI runs on, in one system.

From client onboarding to portfolio reporting — built for Ethiopian microfinance practice, group and individual.

ClientsGroups & individualsGroup formation, guarantors and individual files with full KYC.
LendingOrigination to collectionsAppraisal, approval workflows, disbursement, schedules and follow-up.
SavingsCompulsory & voluntarySavings products, shares and interest/profit posting by rule.
ReportingPortfolio quality & returnsPAR and vintage analysis, branch dashboards, regulatory returns.
Customer Onboarding

Accounts opened in minutes, not days.

Digital KYC for banks, MFIs, insurers and operators — national-ID-ready, with maker-checker control.

CaptureID & document captureGuided capture of IDs, photos and signatures at branch, agent or self-service.
VerifyLiveness & deduplicationFace match, liveness and duplicate checks before an account exists.
ControlMaker-checkerEvery opening reviewed and approved with a full audit trail.
IntegrateStraight to your coreVerified customers flow into your core, wallet or MFI system by API.
Agent Onboarding & Agency Network

Build the network. Then run it.

Digitally recruit, verify and activate agents — and manage float, commissions and performance from one console.

RecruitDigital agent onboardingApplications, vetting, contracts and activation without paper files.
OperateFloat & cash-in/outFloat requests, limits and CICO with real-time positions.
RewardCommissionsTransparent commission rules, computed and settled automatically.
WatchMonitoring & flagsDormancy, velocity and anomaly flags before they become losses.
Enterprise ERP

One system for the whole enterprise.

A modular ERP for Ethiopian enterprises and state-owned companies — localized for ETB, Ethiopian payroll and IFRS.

FinanceAccounting & IFRS reportingGeneral ledger, payables, receivables and IFRS-ready statements, multi-entity.
PeopleHR & payrollEthiopian income tax and pension rules built in, from hire to payslip.
SupplyProcurement & inventoryRequisition to purchase order to stores, with approval workflows.
AssetsFixed assets & reportingRegisters, depreciation and management dashboards per unit.

Not sure which solution fits?

Tell us what your institution runs today — we will map the shortest path to going live.

Request a demo