Bank78 Business is a corporate account designed for the way businesses actually operate.
The product covers what a business needs to run its money: crediting and debiting, transfers, cards, statements, reporting, and multi-user access. What it’s designed against is the assumption that corporate banking has to feel like corporate banking.
What corporate banking looks like today
Corporate banking in Nigeria is dominated by the same institutions that dominated it fifteen years ago. GTBank, Access, Zenith, First Bank, UBA. They serve every serious business in the country, and their corporate banking surfaces reflect the era they were built in.
Business owners log in through interfaces designed for individual customers, then discover the business features hidden inside. Adding a second signatory takes a physical branch visit and a signed form. Corporate cards are ordered through a relationship manager, if the relationship manager returns the call. Statements are generated as PDFs that don’t reconcile with the accounting software the business actually uses. The API, if one exists, requires a partnership discussion.
The tooling exists. The product doesn’t.
This is the gap Bank78 Business was built into. Not “a better bank,” which is a positioning that doesn’t survive contact with the reality of banking regulation. But “corporate banking designed as a product,” which is a different claim. Same underlying financial primitives, delivered through a surface that treats the business owner as someone who runs a company, not as someone waiting on a branch visit.
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The bet was that corporate banking is a design problem, not a banking problem.
Every bank in Nigeria uses the same underlying rails and follows the same regulations. What separates them is the product experience. Bank78 Business was designed on three ideas.
A business account has multiple users from day one. Not a personal account with a company name added later. The team, the roles, and the permissions are part of how the account works, not features stacked on top.
Corporate cards belong to the account, not to a separate product. You issue a card from the same place you manage the account. It uses the same balance, and it’s tied to the same team.
Developers can integrate with the bank without asking permission. If a business wants to connect Bank78 to its own systems, it can do that directly from the dashboard. No sales calls, no waiting. And whatever the dashboard shows, the integration sees the same thing.
These aren’t features. They’re decisions about what a corporate account actually is.
The Design
The product organises around one main object and three surfaces that read from it.
The account is the object. Everything else attaches to it. Users attach with roles. Cards attach with spending limits. API keys attach with permissions. Statements read from the account’s transaction history. At incumbent banks, these are usually separate systems the customer has to stitch together. Bank78 Business treats them as different views of the same thing.
The team surface is where the business owner adds users and gives them roles. A user is added by email, given a role (admin, member, viewer), and granted specific permissions. The role is a preset. Permissions are a fine-grained override for businesses that need it.
The card surface is where cards are issued and controlled. Each card belongs to a user, with a spending limit and a category. Freeze, adjust, or revoke happens in one click. Card activity appears in the same feed as the rest of the account.
The developer surface is where a business connects Bank78 to its own systems. It shows the keys, what they’re allowed to do, and how they’ve been used. Keys are limited by default and only get more permissions when the business deliberately grants them.
The design decision underneath all of this was to refuse any surface that couldn’t read from the shared account. A cards report that doesn’t match the account transactions isn’t a report. It’s a bug the customer has to work around. Bank78 Business ships without those bugs because it doesn’t ship the parallel systems that cause them.
What This Unlocked
Bank78 Business treats a business account as one product, not as a personal account with corporate features bolted on.
Teams are added from the dashboard, not from a branch. Cards are issued from the dashboard, not from a phone call. Systems are connected from the dashboard, not from a partnership meeting. Statements match the balance without manual adjustment. Small conveniences, added up.
The deeper move is that corporate banking isn’t a technology problem. The technology has existed for years. It’s a design problem, solved by taking the customer’s workflow seriously and refusing to ship the gaps that legacy products live inside.