Account Top-Up Flows

The simplest integration path requires no real-time API connectivity with the financial institution.

The user is redirected to a secure bank-hosted webview to create an African bank account.
All KYC, document collection, and account setup steps happen inside the bank’s web experience.
Once completed, the user returns to the Diaspora app.
User needs to manually add their created account details to be able to top up the account using the diaspora app.
The Diaspora platform does not have account balance visibility, since the bank does not expose APIs in this model.

Pros: Fastest time-to-launch | Minimal integration effort | Bank controls full onboarding experience and compliance workflow

Limitations: No real-time account verification | No balance sync | No instant confirmation |Requires users to add their accounts manually.

This model provides a fully embedded banking experience, offering the most seamless and scalable user journey.

The user can create a new African bank account directly inside the Diaspora app using APIs exposed by the financial institution.
The platform sends verified KYC data (from the existing U.S. onboarding flow) to the bank’s system.
The bank performs validation and returns the newly created account details.
Account approval is confirmed through APIs.
The user can immediately top up their new account via integrated payment rails.
Account balance and status are synced back to the Diaspora app at regular intervals or through webhooks.

Pros: Fully native experience| Real-time account sync |Instant top-up confirmation| Better compliance alignment through shared KYC

Cons: Higher integration effort | Longer implementation time | Requires close coordination on compliance and KYC rules | Higher cost

Introduction