The road ahead

Developer docs

mfidoc launches: the developer hub for MFIs

One place to build on Zung: the API reference, ready-made MFI workflows, pricing, a microfinance glossary and a guide to every market Zung serves.

56

Live endpoints

18

Integration kits

39

Countries

59

Glossary terms

• Added

  Banking API reference: Every staff-side endpoint for members, KYC, savings, loans, repayments and portfolio at risk, with parameters and a working curl example. Learn more →

• Added

  Member Mobile API reference: The member-facing API behind the Zung app: sign-in, accounts, statements, loan preview and applications. Learn more →

• Added

  Integration kits and templates: Tested MFI workflows — M-Pesa collections, group lending, PAR board packs, SACCO dividends — and complete setups by institution type. Learn more →

• Added

  Countries: Regulators, payment rails, credit bureaus and Zung Store solutions for 39 countries across Africa, Asia, the Americas, Europe and Oceania. Learn more →

• Added

  MFI glossary: Plain-English definitions with formulas and worked examples, from PAR30 to murabaha. Learn more →

• Added

  Pricing: Every plan side by side, with a feature comparison and add-ons. Learn more →

• Added

  Build with AI: llms.txt and OpenAPI files generated from the docs, so coding assistants use endpoints that exist. Learn more →

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Banking API

Offline-safe transactions with client_ref

Branches and field officers on unreliable connections can retry money movements without ever posting them twice.

• Added

  Idempotent repayments: POST /loans/{id}/repayment accepts a client_ref; a retry with the same value returns duplicate: true and posts nothing. Learn more →

• Added

  Idempotent deposits and withdrawals: The same client_ref protection on /savings/{id}/deposit and /savings/{id}/withdraw. Learn more →

• Improved

  Safe when a notification fails: If a transaction posts but a follow-up step fails, the reference is still recorded, so a retry can never double-post.

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Core banking

Islamic Finance module

Shariah-compliant financing, profit-sharing deposits and the funds that go with them, available as part of selected plans.

• Added

  Financing products: Murabaha and other financing products with generated schedules, repayment allocation, early settlement and restructuring. Learn more →

• Added

  Profit-sharing deposits: Mudarabah deposit accounts and products, with investment pools and periodic profit distribution by the agreed ratio. Learn more →

• Added

  Charity fund: Late-payment amounts are routed to a charity fund instead of income.

• Added

  Zakat and takaful: Zakat calculation and takaful (Islamic insurance) support.

• Added

  Shariah review: A Shariah screen for review and sign-off, plus dedicated reports and its own chart of accounts.

• Improved

  Plan-gated access: The module is only reachable by institutions whose plan includes it. Learn more →

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Platform

Custom domains with automatic SSL

Institutions can serve Zung from their own domain, and the certificate is now requested automatically.

• Added

  Automatic certificates: Once a verified custom domain is connected, an SSL certificate is requested with no manual step.

• Improved

  Clearer failures: If certificate setup can't run, the domain stays connected and the log says exactly what is missing.

Security

Receipts scoped to the right people

Transaction receipts can now only be opened by the institution — and the member — they belong to.

• Security

  Receipt access: Savings, share, fixed deposit and wallet receipts are limited to staff of the owning institution and to the member themselves.

• Fixed

  Member portal loan receipts: Members can open their own loan receipts again; they previously received an access error.

• Fixed

  Broken portal links removed: 17 member-portal routes that led to errors were removed, along with two dead links on the loan page.

• Improved

  Regression tests: Eight automated tests now guard receipt access.

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Security

Savings isolation and working bulk imports

Every savings action is now confined to your own institution, and the bulk importers work end to end.

• Security

  Savings isolation: Deposits, withdrawals, interest posting, charges and transaction edits only ever touch your institution's accounts.

• Security

  Import safeguards: Savings and loan imports refuse products, members and officers from other institutions.

• Fixed

  Bulk loan repayments: Bulk repayment uploads work again and record the payment channel correctly.

• Fixed

  Bulk deposits: Balances are recalculated for every product, not only cash-accounting ones.

• Fixed

  Import templates: Client import accepts the .xls template it offers, the CSV template has every required column, and blank savings cells fall back to the product's values.

• Improved

  Regression tests: 13 automated tests now guard imports and savings access.

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Open source

Open-source SDKs on GitHub

MIT-licensed libraries for building on Zung, in PHP and Node.js.

4

Repositories

2

Languages

• Added

  zung-member-api: OpenAPI spec plus PHP and Node.js clients for the Member Mobile API. Learn more →

• Added

  zung-loan-schedule: Flat and reducing-balance schedules, grace periods and daily interest, matching Zung core banking to the cent. Learn more →

• Added

  paymfi-php and paymfi-node: Clients for the PayMfi eWallet and Payments API with signed requests, hosted checkout and webhook signature checks. Learn more →

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