Zentra Developer Docs

Evaluate the financial infrastructure control plane, build one safe flow, inspect the API Reference, and prepare for launch.

Zentra is a financial infrastructure control plane. We give regulated fintech teams reviewed public APIs for deterministic money movement, signed webhook delivery, tenant-scoped policy governance, and optional rails you can enable as your product grows.

Use these docs as an inspectable developer evaluation path: understand the core control plane, build a reviewed primitive in the sandbox, verify signed webhook events, configure tenant policies, and prepare for production with operational evidence.

Onboarding Paths

1. Evaluate the Control Plane

   Understand how tenant isolation, explicit state lifecycles, and audit evidence fit together in a deterministic financial operating system.

2. Build in Sandbox

   Generate credentials, install our typed SDKs, and build your first reviewed transfer flow using sandbox bank routing codes.

3. Verify Webhook Signatures

   Configure a signed event endpoint, handle automatic retry attempts, and process incoming callbacks idempotently.

4. Prepare for Production

   Establish operator access, set up IP whitelists, verify compliance checkpoints, and migrate to live keys with evidence attached.

Visualizing the Control Plane

Zentra sits directly between your product applications and underlying financial networks. Your services own the business logic; Zentra governs the routing, state persistence, policy verification, and ledger reconciliation.

V1 Product Primitives

Opt into reviewed modules as your business requirements expand. Primitives are separated structurally to avoid black-box failures.

Transfers

Outbound money movement with deterministic routing, explicit status tracking, and strict idempotency safety.

Payments

Optional collection rails to accept, route, and reconcile customer-present payment flows.

Virtual Accounts

Dedicated bank account allocations for incoming payments, mapped directly to tenant wallets.

Cards

Programmatic card issuing with real-time spend limits, custom filters, and authorization hooks.

Webhooks

Signed, signature-verifiable callbacks documenting every ledger mutation with automated backoff retries.

Identity

Gated customer verification flows (BVN, NIN, and Liveness Checks) built for regulated environments.

Code Examples

Initialize the official client SDK and create a sandbox transfer using minor units (amountMinor represents 500,00.00 Kobo/cents to avoid floating-point drift).

Node.js

import { Zentra } from "@zentra/sdk";

const zentra = new Zentra({
  apiKey: process.env.ZENTRA_SECRET_KEY,
  environment: "sandbox"
});

const transfer = await zentra.transfers.create({
  amountMinor: 500000,
  destinationBankCode: "058",
  destinationAccountNumber: "0123456789",
  reference: "TRF_20260519_QS01",
  narration: "Sandbox payout test"
});

console.log(`Transfer initiated: ${transfer.id} (Status: ${transfer.status})`);

import os
from zentra import Zentra

client = Zentra(
    api_key=os.environ.get("ZENTRA_SECRET_KEY"),
    environment="sandbox"
)

transfer = client.transfers.create(
    amount_minor=500000,
    destination_bank_code="058",
    destination_account_number="0123456789",
    reference="TRF_20260519_QS01",
    narration="Sandbox payout test"
)

print(f"Transfer initiated: {transfer['id']} (Status: {transfer['status']})")

Operational Verification

Zentra does not hide failure modes behind generic “secure” claims. We provide open, auditable tracking tools for infrastructure and compliance teams.

Reviewed API Surface

Inspect the exact JSON interfaces and tenant-gated routes currently validated in the live gateway.

Launch Readiness

Ensure your integration is robust against network timeouts, key rotation, and duplicate callbacks.