Engineering

Our Tech Stack

Khaya is built on modern, cloud-native infrastructure designed to handle high-frequency transaction processing with zero latency.

• Frontend: React & Next.js for a lightning-fast, reactive user interface.
• Backend: Golang microservices deployed on AWS Cape Town for maximum performance and data residency compliance.
• Database: PostgreSQL with row-level security and at-rest encryption.

Bank-Grade Security

We treat your data with the same level of security as a tier-1 bank. We never store your banking login credentials. All read-only connections are facilitated through compliant open-banking APIs using OAuth2.

• AES-256 encryption at rest
• TLS 1.3 for all data in transit
• Strict internal access controls and regular third-party penetration testing

Engineering Blog

Coming Soon. We believe in building in public. We'll be sharing deep dives into our architecture, how we implemented our smart debt-destruction logic, and our open-source contributions.