Insurers
Close the gaps between investment books, valuation, ALM, and board reporting - with NAICOM-oriented outputs, IFRS 17 investment schedules, and infrastructure that stands up to solvency scrutiny.
Tontine Systems
Technology for Africa's critical financial infrastructure
We build technology solutions that address the critical gaps in infrastructure for insurers, pension funds, and banks across Africa - so institutions can operate with clarity, control, and confidence.
Who we serve
Built for insurers, pension funds, and banks
Regulated institutions that cannot afford partial systems, delayed visibility, or governance reconstructed after the fact.
Pension Funds
Mandate compliance, contribution-to-investment visibility, and governed decision workflows for administrators and trustees.
Banks
Treasury, securities, and ALM on a single ledger of record - with audit trails that stand up to internal and regulatory review.
Institutional Investors
Multi-asset operations and risk monitoring for asset managers and corporates that need institutional-grade control.
The challenge
Institutions are sophisticated. The infrastructure is not.
Africa's insurers, pension funds, and banks run complex operations on stacks that were never designed to work as one. Critical gaps in systems, data, and governance create risk that technology should have closed years ago.
12+
tools in a typical stack
Fragmented systems
Core, investment, treasury, risk, and reporting systems rarely share a single source of truth - so every view of the institution is partial.
Weeks
to assemble a board pack
Data gaps
Teams reconcile the same positions and cash flows from different ledgers, spreadsheets, and custodians before leadership can decide.
Blind
spots between books
Operational risk
Asset-liability mismatches, limit breaches, and settlement exceptions surface late when oversight lives outside day-to-day operations.
as the approval system
Manual governance
Instructions, exceptions, and audit trails move through inboxes and shared drives. Governance is reconstructed after the fact.
What we do
Close the infrastructure gaps that hold institutions back
Tontine designs, integrates, and delivers institutional technology - so critical operations are not left to fragmented systems and manual workarounds.
Institutional platforms
Purpose-built software for the operating realities of African insurers, pension funds, and banks - not generic dashboards bolted onto spreadsheets.
Integration & data
Connect ledgers, custodians, market feeds, and internal systems so investment, risk, and finance work from one decision-ready record.
Governance & delivery
Approvals, audit trails, and implementation support designed into how work moves - so oversight is continuous, not a month-end reconstruction.
Solutions by Tontine
Products that close critical infrastructure gaps
One company behind a suite of institutional solutions. CALEB is live today; Sentinel and Flow extend the platform as they come to market.
CALEB
Capital Asset Liability Engine for Balance Sheets
Asset-liability management and investment intelligence for institutional balance sheets
An enterprise-wide view of asset portfolios and liability obligations - portfolios, cashflows, valuation, risk limits, compliance, and NAICOM / IFRS 17-oriented reporting on one platform.
- Asset Management Suite
- Asset Liability Management Suite
- Regulatory & investment reporting
Sentinel
SoonRisk, limits, and governance infrastructure
Continuous monitoring of credit, market, and liquidity risk with limit enforcement and regulatory-ready reporting - designed to sit alongside institutional investment books.
- Credit & Counterparty Risk
- Market & Liquidity Risk
- Limit Monitoring
Flow
SoonTreasury operations and settlement workflows
Cash, FX, settlement, and payment instructions with the controls treasury and operations teams need to move money reliably across African markets.
- Cash & Liquidity Management
- FX & Hedging Operations
- Settlement & Reconciliation
Looking for the full CALEB story? Visit the product page or open Solutions by Tontine in the header.
Case studies
Outcomes institutions can measure
How institutions use CALEB to close critical gaps in investment and balance-sheet infrastructure.
AIICO
Insurer
Selected by AIICO: CALEB for investment and asset-liability management
One of Nigeria's largest composite insurers has chosen CALEB as its asset-liability management and investment platform. Implementation is underway.
Read case studyClients
Institutions that trust Tontine
AIICO is a current client of Tontine Systems.
AIICO
Why Tontine
A partner for technology that institutions can trust
We focus on the infrastructure gaps that matter most - and deliver solutions serious enough for the mandates they support.
01
Built for African institutions
Designed around local instruments, market structure, and how insurers, pension funds, and banks actually operate - not a generic global template.
02
Infrastructure, not a dashboard
Security, auditability, and performance expected by regulated institutions. We close technology gaps; we do not layer another report on top of them.
03
Integrated by design
Front, middle, and oversight functions share the same data and the same process. No swivel-chair between systems to complete a decision.
04
Governance in the workflow
Approvals, segregation of duties, and immutable records are native. Governance is not a report you produce; it is how work moves.
05
Decision-ready architecture
Every solution is oriented toward the next decision: what has changed, what it means for risk and return, and what action is required.
Let's close the infrastructure gaps that matter
Talk to us about how Tontine can support your institution - from CALEB and upcoming solutions to a working session with your teams.