Everything you need to build on payments.

Avenue handles the hard parts of payment infrastructure — AI reconciliation, ledger math, edge cases — so you can focus on your product.

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Virtual Wallets & NUBANs

Create a dedicated NUBAN virtual account for every one of your users with a single API call. Avenue provisions the account on Nomba and stores it in a double-entry ledger, ready to receive money immediately.

Key capabilities

  • Unique NUBAN per user (0-prefix bank account)
  • Instant provisioning via Nomba API
  • Status management: ACTIVE, FROZEN, CLOSED
  • AI system_prompt per wallet for context-aware reconciliation

NUBAN GENERATED

1122334455

Active
BankNomba MFB
Account NameZenith Pay / user_987
Balance₦0.00

AI Reconciliation Engine

Avenue passes every raw bank narration through GPT-4o with your wallet's custom context. The engine returns a structured intent object you can use directly in your product logic.

Key capabilities

  • Extracts payment intent from unstructured narrations
  • 0–1 confidence score on every transaction
  • Flags: UNDERPAYMENT · MISDIRECTION · UNCLEAR_INTENT
  • Suggested label for statement display

avenue_intelligence output

School fees - SS2 term 2
0.94
Rent deposit - Ade A.
0.87
Unknown narration text
0.31
Market payment John
0.76

Account Agents

Attach trigger-action rules to any wallet. When a condition is met, Avenue executes the action automatically — sweeping funds, locking the wallet, or dispatching a notification webhook.

Key capabilities

  • Triggers: BALANCE_ABOVE, BALANCE_BELOW, ON_CREDIT
  • Actions: SWEEP, PARTIAL_SWEEP, LOCK_WALLET, WEBHOOK_NOTIFY
  • Full execution log for every agent fire

AGENT: Auto-Sweep

IF
Balance > ₦50,000
THEN
Sweep 100% to Master Wallet

Suspense Engine

Not all payments arrive cleanly. Avenue's suspense engine catches every anomalous payment — misdirected, arriving on a closed wallet, or rejected by AI — and holds it safely until you resolve it.

Key capabilities

  • Reasons: WALLET_CLOSED · AI_LOW_CONFIDENCE · NO_WALLET_FOUND
  • Full raw Nomba payload preserved for resolution
  • Developer-facing queue in the dashboard

Suspense queue

WALLET_CLOSED

₦45,000

PENDING

AI_LOW_CONFIDENCE

₦12,000

PENDING

NO_WALLET_FOUND

₦8,500

RESOLVED

Enriched Webhooks

Avenue doesn't just relay Nomba's raw events. It wraps them in a clean, versioned payload with the AI intelligence output, wallet context, and a cryptographic signature your app can verify.

Key capabilities

  • HMAC-SHA256 signed payloads
  • Versioned API format (api_version field)
  • Exponential backoff retry (5 attempts)

webhook_payload.json

{
  "event": "ledger.credit",
  "api_version": "2024-06-15",
  "data": {
    "wallet_id": "wal_abc123",
    "amount": 150000,
    "ai_intent": {
      "confidence": 0.94,
      "label": "School Fees",
      "flags": []
    },
    "signature": "hmac_sha256_..."
  }
}

Double-entry Ledger

Every debit and credit is an immutable ledger entry. Balances are always computed — never stored as a mutable field. This guarantees mathematical correctness and a full audit trail forever.

Key capabilities

  • Append-only immutable entries
  • Amounts stored in kobo (no float errors)
  • DB-level idempotency via unique nomba_reference

Immutable Ledger

TYPEAMOUNTBALANCE
+ CREDIT₦150,000₦150,000
+ CREDIT₦10,000₦160,000
- SWEEP₦160,000₦0

Avenue vs. raw Nomba API

Both give you NUBANs. Avenue gives you everything else.

Feature
Avenue
Raw Nomba
Virtual NUBAN provisioning
AI narration reconciliation
Double-entry ledger
Suspense engine
Account agents
Signed enriched webhooks
Retry delivery with backoff
Idempotency guarantees
Partial

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