System Architecture Overview

The architecture is designed as a six-layer model to ensure scalability, security, and seamless integration for mobile money transactions. Each layer provides specific functionality while working cohesively to deliver a secure, efficient, and user-friendly experience.

User Interfaces

This layer serves as the entry point for all user interactions. It provides intuitive, responsive access across devices.

• Web Portal

  • MTN Admin Panel

  • LightWay Admin Panel

  • End-User Web Panel

• Mobile App

  • Optimized for Android and iOS, supporting mobile money services, transaction tracking, and account management

Application Layer

Implements the business logic for transaction handling, user management, and compliance processes.

• User Management

  • Registration and Onboarding

  • User authentication

  • Role management and permission

• Transaction Management

  • Transaction validation

  • Commission calculation

  • Multi-currency processing

• Compliance

  • Reporting

  • Auditing

  • Regulatory Data Export

Security Layer

Ensures robust access control, encryption, and policy enforcement to protect sensitive data and system integrity.

• Access Control

  • Authentication: Multi-factor tokenization

  • Authorization: Role-based permissions and access policies

• Data Encryption

  • Data masking for sensitive information

Data Layer

Handles all transactional and analytical data, ensuring integrity, availability, and recoverability.

• Transaction Data

  • Mobile Money transaction records

  • Audit trails and logs

  • Commission records

• Analytics Data

  • Transaction rates

  • Error rates

  • Performance metrics

• Services

  • Data retention and archival

  • Backup and recovery procedures

Integration Layer

Manages external system connections and payment processing.

• Payment Gateway

  • MTN MoMo API Integration

  • Transaction status and reconciliation endpoints

• Partner Integrations

  • Lightway Finance Settlement API

  • Sumsub Verification API

• Notification Services

  • SMS and email alerts

Infrastructure Layer

Provides the foundational computing resources and hosting services required to run the system.

• Servers

  • Application servers

  • Database servers

  • Backup and recovery systems

• Hosting Services

  • Cloud Infrastructure (AWS, Azure etc)

This layered architecture ensures that the MoMo Lighway Finance platform can handle high transaction volumes securely, maintain regulatory compliance, and scale effectively to meet future demands.