Paper ledgers
Over 90% of cooperatives manage member records, loans, and savings on paper. No audit trail. No searchable history.
Now deploying in Lagos · Pre-seed open
Data infrastructure for African institutions.
DatabStudio gives cooperatives, microfinance institutions, and community lenders their first real data system — deployed offline, connected through Atlas.
NDPA 2023 compliant · CAC registered · Works 100% offline
Cooperative member assets in Nigeria
Institutions on paper today
DatabStudio gross margin
LTV to CAC ratio
Nigeria's cooperative sector is flying blind.
90% of Nigerian cooperatives still run on handwritten ledgers, verbal guarantors, and fragmented WhatsApp records. ₦3 trillion in member assets still has no dedicated data infrastructure.
Invisible guarantors
A member can guarantee loans at 5 different institutions simultaneously. No institution can see this. Default rings start here.
No credit visibility
When one borrower defaults, the cascade is invisible until it's too late. There's no cross-institutional signal.
Locked out of capital
Without verifiable data, institutions cannot access credit lines, prove creditworthiness, or grow beyond their founding members.
One platform. Works offline. Connects institutions.
- ✓ Deployed to your office — no internet required for daily operations
- ✓ NIN-verified members with privacy-preserving cross-institution credit
- ✓ Full loan lifecycle, savings, payroll pipeline, and WhatsApp self-service
Member Management
NIN-verified onboarding and secure member records.
Loan Management
End-to-end loan lifecycle and guarantor checks.
Savings Management
Deposits, withdrawals, and interest posting.
Payroll Pipeline
Mandate batch workflows and repayment automation.
WhatsApp Self-Service
BAL/STMT/LOAN commands for members.
Risk Dashboard
Default prediction and exposure visibility.
Live in 5 days.
Hypercare: For your first 30 days, Datab's ops team checks in daily.
The platform in six modules
Member, loans, savings, payroll, WhatsApp self-service, and risk intelligence in one deployable stack.
Member Management
NIN-verified onboarding and UUID assignment.
Loan Management
Approval workflows with guarantor risk checks.
Risk Dashboard
Exposure tracking and default prediction signals.
Built for the institutions that serve everyday Nigerians.
Cooperatives
400–2,000 members. Salary-deduction lending. Member savings. Your first digital ledger.
From ₦2M setup + ₦500/member/month
Microfinance Institutions
200–5,000 members. Full loan lifecycle management. Cross-network credit history.
From ₦2M setup + ₦500/member/month
Money Lenders (Licensed)
100–500 members. Simple, fast. NIN-verified borrowers. Guarantor graph from day one.
From ₦2M setup + ₦500/member/month
Atlas Core — Privacy by Design
A credit network that never shares personal data.
Atlas Core connects Datab institutions into shared credit intelligence. NINs are hashed at entry and never transmitted. Only UUIDs and credit bands cross institutions.
- ✓ SHA-256 hashed identity
- ✓ UUID-only cross-network
- ✓ NDPA 2023 compliant
- ✓ Offline-first, syncs when connected
Atlas network pulse
What early institutions are saying.
“Since deploying DatabStudio, we can see every guarantor's exposure across all active loans instantly. We caught a default ring in our third week.” — General Manager, [Lagos Cooperative] (reference available on request)
“The WhatsApp module alone changed our relationship with our members. They check their balances every morning now.” — Loans Officer, [MFI Partner] (reference available on request)
Ready to give your institution its first real data system?
Join the institutions making Nigeria's informal finance sector legible.