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NamPost Innovation Sandbox · NPIF intake

The NamPost module inside Namibia's regulatory sandbox

One operator-run environment for SmartCards, social grants, agency bill pay, NAMQR, proof of life, PostFin lending, and physical aid tracking—synthetic personas shaped for 282,825 SmartCard holders and about 299,637 grant beneficiaries in the model.

Illustration of postal service points connected to a supervised payment hub
01

What you can test

41 sandbox modules in the first release in the first release, grouped into 9 product rails below. Nine product rails group the 41 modules for marketing; Year-3 programme target is 35 modules with active participants.

Module familyWhat you actually get
Account informationConsented SmartCard and savings-bank balances and transactions—for stokvels, personal finance, and underwriting without six-month statement PDFs.
Payment initiation & funds confirmationPay from NamPost accounts with a two-factor check on every payment; confirm balance before you initiate.
Person-to-government (P2G)Municipal rates and tax, prepaid electricity, water, airtime, and agency billers. Pay-later settlement on agreed terms.
Government-to-person (G2P)Pension days 1–3, child/disability 4–6, BIG 7–8. Cash, IPN, and physical aid. Proof-of-life before release.
Proof of lifeCounter, field, and insurer programmes—single verify, batch verify, offline sync.
Pay-later, lending & underwritingDeferred agency bills, PostFin affordability, loan calculators, funeral tiers N$5k/N$10k.
NAMQR & commerceGenerate, scan, settle QR payments—including offline batches and tax-ready merchant exports.
Logistics & last mileAid chain-of-custody, GPS, temperature logs, proof-at-pickup, pay-on-delivery at nationwide service points.
02

Who it's for

Oshana

Ndapewa

Rural grant beneficiary

Social Cash Grant collection, proof-of-life, and mobile-team scenarios beyond 5 km

Kavango East

Petrus

Field officer

Grant disbursement sequencing, offline sync, and chain-of-custody for physical aid

National

David

MoF programme officer

Pension days 1–3 and child/disability windows—synthetic files only, supervisor-visible aggregates

Khomas

Ndishi

Urban informal trader

NAMQR and agency bill pay (MTC, NamWater, municipalities) at the counter

Otjozondjupa

Johannes

NAMQR merchant

QR generation, settlement, and tariff-accurate merchant exports

Erongo

Elizabeth

Stokvel treasurer

Consented SmartCard reads for members—revoke within 60 seconds in test

Khomas

Sarah

Fintech PM

Bill-pay aggregator and OBS conformance on NamPost payment rails

03

What you get

Your own private sandbox · Secure access keys + an interactive API console · Synthetic persona picker · Accurate, tariff-based fee quotes · Payment security-check simulator · Metrics your supervisor can see.

04

What you don't get

Live grant files, production SmartCard numbers, or shortcuts around consent and proof-of-life rules.

05

Your sandbox includes

CapabilityWhat you actually get
Secure sign-in (OAuth 2.0 / OpenID Connect)Permission-based access with a record of what each user agreed to.
Interactive API consolePoint-and-click reference with worked examples for common integration scenarios.
Safe payment retriesDuplicate payments are caught automatically. Status updates pushed to you.
Account-access permission logPermissions revoked in under 60 seconds. 180-day maximum duration.
Two-factor check on every paymentRequired on every payment. Mirrors the PSD-12 standard.
Fair-use limitsConsistent error messages across web and phone (USSD).
06

Pricing

Illustration of transparent NamPost sandbox pricing with a single application coin and tariff-matched fees

No per-API call charges in MVP synthetic tier.

TierWhat's included
Technical sandbox (synthetic)N$500 one-time — Unlimited API calls. 10–500 synthetic customers. 6–18 months.
Supervised extensionPer testing agreement — Live-cap testing. Dedicated case officer. Weekly check-ins.
07

Success path

Illustration of a sandbox-ready certificate and exit letter earned from a completed supervised checklist

Pass the integration checklist → submit progress reports → receive a regulator exit letter that supports licensing applications where applicable.

08

What you can observe

WidgetWhat it shows
Active sandboxesWho is testing what—and on which NamPost products
Security check on every paymentStep-up authentication rate (target 100%)
Resilience drillsRecovery time and backup evidence
Fee accuracyAlerts when fees drift from published tariffs
Grant sequencingDisbursement windows by day and region (aggregates only)
Consent revoke speedRevoke within 60 seconds or flag
AI decision trailHuman-readable explanations for lending and proof-of-life decisions
Fairness across regionsFlag when regional outcomes diverge beyond tolerance
09

Operator

NamPost ICT provisions namespaces, synthetic seeds, API gateways, and participant portals. BoN supervises payment-system and savings-bank payment activity; NAMFISA supervises NBFI tracks (PostFin, insurance simulators).

10

Governance

NamPost is Accountable for intake, provision, and tariff/fee engine; Participants are Responsible for innovation narratives and testing agreements; BoN and NAMFISA are Responsible on the Observation Deck and Accountable for NBFI/grant oversight and exit recommendations.

11

Evidence base

Built on 136 points of presence, 282,825 active VISA SmartCards, and ~299,637 eligible grant recipients (NamPost FY2025 integrated annual report and nampost.com.na (Apr 2026 crawl))—represented as synthetic personas in sandbox, not copied production files.

12

Regulatory footprint the sandbox mirrors

  • Post Office Savings Bank — statutory deposit-taking and SmartCard products
  • Bank of Namibia — National Payment System participant and PSD payment rules
  • NAMFISA — PostFin microlending and insurance distribution
  • Government programmes — social grant administration and IPN grant-account pilots
13

What the sandbox is not

  • Entering the NamPost Innovation Sandbox does not grant a production banking or payment-service licence.
  • Building on NamPost sandbox APIs does not confer NamPost's licences to the participant.
  • Not production nampost.com.na APIs.
  • Not a substitute for Ministry of Finance grant entitlement rules.
14

Payments & agency — regulatory context

Aligned with Post Office Savings Bank statute, Bank of Namibia payment-system participation, NAMQR rules, and NAMFISA consumer standards for agency and payment surfaces.

15

Payments & agency — infrastructure

Mock NAMPAY and grant-transfer connections · Create and scan NAMQR codes · Agency commission engine · Bill presentment (NamWater, MTC, municipalities) · USSD phone-menu simulator

16

Payments & agency — pilot KPIs

Transaction success & settlement accuracy · Fees and commissions match the published tariff · Two-factor completion rate · Safe retries with no double charges · Fraud alert precision

This NamPost Innovation Sandbox environment uses synthetic data and may include experimental AI models. Outputs are not production advice.

15

Controls supervisors hold

Observation Deck

Live compliance signals, grant sequencing, fee accuracy, and fraud alerts—see what participants test without reading every API log.

Applications queue

NPIF intake status, risk tier, and NamPost module selection before a sandbox is provisioned.

Export centre

Tamper-proof activity records for board packs and incident evidence—records can't be edited after they're created; confirm before download, and every export is logged.

Directives

Route-level controls take effect immediately—participants see a clear reason code and scope.

This NamPost Innovation Sandbox environment uses synthetic data and may include experimental AI models. Outputs are not production advice.

Mirrors NamPost’s regulated footprint for supervised testing

NamPost operates the Post Office Savings Bank, participates in the National Payment System, and delivers NAMFISA-regulated PostFin and insurance distribution—the sandbox mirrors that footprint for supervised testing.

Illustration of an ecosystem referral funnel narrowing partner teams into supervised evidence

Post Office Savings Bank

Statutory savings bank: deposits, VISA SmartCards, savings and investments under the Posts and Telecommunications framework and Savings Bank Regulations. Not a Banking Institutions Act commercial bank.

Bank of Namibia

National payments oversight: EFT, NAMPAY, cards, and the rules NamPost follows when moving money.

E-money & payment instruments

SmartCard stored value, branch settlement, and payment initiation surfaces.

PostFin microlending

NAMFISA-registered microlender distributing loans through the retail network and SmartCard-linked flows.

Insurance distribution

NAMFISA-regulated funeral and insurance products.

Social grants & IPN

Government grant administration and Instant Payment Programme pilots under BoN and programme contracts.

Statutory savings bank under Posts and Telecommunications and Savings Bank Regulations 1996—not a Banking Institutions Act, 2023 commercial banking institution. Entering the Innovation Sandbox does not grant a new licence. Successful exits may support licence applications, regulatory amendments, or orderly wind-down. Sandbox supports OBS conformance testing. Open-banking market activation requires written Bank of Namibia scope confirmation—not implied by sandbox approval.

Africa ambition

Cross-border rehearsal on synthetic rails

Partner sandboxes exchange consent proofs—not customer PII—so remittance and SADC corridor tests stay visible to supervisors.

Illustration of a supervised payment transfer between two phones on NamPost rails

When a grant beneficiary in Oshikango receives aid and a remittance sender in Frankfurt tops up a SmartCard, both journeys should be testable under Bank of Namibia and NAMFISA oversight. The NamPost sandbox implements an inter-sandbox federation handshake for corridor rehearsal, not production money movement.

  • Synthetic personas and consent references only—no live grant files or production PII
  • Signed handshakes between partner sandboxes, each one safe to retry without double-processing
  • Aligned incident clocks: preliminary notice within 24 hours, impact pack within 30 days
  • GFIN-ready evidence path as partner MOUs are signed

Ecosystem partners

NamPost is the technical evidence stage in a wider Namibian stack. Upstream partners route and ready founders; downstream partners finance the validated ones. Your Sandbox-Ready certificate is recognised as technical-conformance evidence for investor and credit diligence—not a licence or a funding decision.

Scale Up Namibia

Upstream funnel: connects Namibia's innovation hubs and routes fintech founders toward a supervised technical test. Founders referred this way can record it when they apply.

NIPDB (Namibia Investment Promotion and Development Board)

Investment promotion and coordination for small and medium enterprises. The Sandbox-Ready certificate supports investor-matchmaking as an evidence-led readiness signal.

DBN — SME Financing Strategy

Downstream financing: the certificate and progress reports are a de-risking input for the Credit Guarantee Scheme and Venture Capital Fund. Financing decisions remain with DBN, banks, and investors.

Recognition is for technical-conformance evidence only. Entering or exiting the sandbox does not grant a licence, and no partner can fast-track a regulatory or funding outcome.

16

How it works

Fintechs and NamPost teams apply through one intake, receive isolated sandboxes with synthetic SmartCards and grant cohorts, and test accounts, payments, grants, and NAMQR on NamPost rails. Supervisors see compliance signals in real time on the Observation Deck.

01

Three steps

From application to exit in one evidence trail

Apply, get your sandbox, prove it to supervisors, and leave with a pack they can use for licensing—or an orderly wind-down.

  1. Illustration of submitting a sandbox application on NamPost rails
    1

    Apply

    Tell us what you're building, pick the NamPost products you need, and pay the N$500 application fee.

    Application form

  2. Illustration of building and testing in the supervised sandbox
    2

    Get your sandbox

    After approval, receive API keys and synthetic personas—your first successful API response in minutes, not months of MOUs.

    API console first success

  3. Illustration of proving compliance with decision-grade evidence
    3

    Prove it to supervisors

    Run conformance tests while BoN and NAMFISA follow your progress on the Observation Deck—exit with evidence for licensing or wind-down.

    Observation Deck metrics

Referred by Scale Up Namibia?

Add ?referral=scale-up-namibia to your apply link, or pick it on the form. It's optional, it doesn't change how your application is reviewed, and your company records are never shared.

Apply with referral recorded
Illustration of sandbox journey from application to exit evidence pack

What a regulatory sandbox gives you

Small-scale, controlled testing under supervisor watch—so you can prove your product works, gather evidence, and improve regulation before live customers and real money are at risk (APEC/IMF sandbox model).

1

Synthetic test data

Pre-seeded SmartCards, social grant sequences, agency tariffs, and NAMQR fixtures—statistically shaped for Namibia without exposing beneficiaries.

2

Supervised API sandbox

Embed payments, account reads, and logistics inside your app’s customer journey—under caps you agree with supervisors, not a separate pilot for each API.

3

Regulator Observation Deck

BoN and NAMFISA see compliance signals, fee accuracy, and grant sequencing—with directives and an append-only audit trail.

How the programme works
Illustration of the three sandbox pillars — synthetic data, supervised APIs, and the Observation Deck
Illustration of regulator observation dashboard with compliance indicators

Supervisors follow tests on the Observation Deck—fee accuracy, grant sequencing, and payment security in one view.

Seven-stage journey

StageWhat happensHow long
1. ApplyChoose the products you want to test, describe your innovation, and pay the N$500 application fee.30 minutes
2. ReviewBoN/NAMFISA/NamPost ICT scores against NPIF criteria.≤14 days
3. AgreementSign testing agreement: caps, KPIs, PSD-12 drills.1 week
4. ProvisionYour own isolated space. Synthetic data. Access keys.Hours
5. TestRun the integration checklist. Every payment needs its own two-factor security check.4–8 weeks
6. ReportMonthly progress packs. Regulator comments in-portal.Ongoing
7. ExitLicense/amendment, extended pilot, or wind-down.Variable

Typical technical sandbox: 4–8 weeks to pass integration checks

Supervised live-capacity pilots: 6–12 months depending on product risk.

Illustration of a synthetic SmartCard with a consent gate controlling account-information reads

Account information

Consented balances and transaction history

Replace statement PDFs with permission-based reads of SmartCard and savings-bank activity—grant credits, salary inbound, bill pay, and withdrawals—for stokvels, personal finance, and credit decisions.

  • Customer chooses what you can see before any data is returned
  • Field allowlists so you never over-fetch personal data
  • Revoke permission within 60 seconds in test scenarios
  • Synthetic personas shaped for Namibian income and grant patterns
Illustration of paying utility and municipal bills from one supervised NamPost wallet with transparent fees

Payment initiation

Pay from NamPost accounts

Move money from SmartCard and savings accounts for transfers and bill pay. Each payment needs its own security check—OTP, app approval, or counter PIN—so funds only leave when the payer confirms.

  • Two-factor verification on every payment, per Bank of Namibia rules
  • Safe retry if a request fails—duplicate detection built in
  • Fee quotes that match published tariff tables
  • Phone-menu and web channel simulators for assisted service
  • Real-time status updates sent to your system for ledger and reconciliation
Illustration of safeguarded e-money stored value held in a supervised trust vault on NamPost rails

Funds confirmation

Confirm balance before you debit

Check whether an account can cover a payment before you initiate—fewer failed debits for merchants, pay-later checkout, and bill-pay aggregators on NamPost rails.

  • Pre-debit balance check aligned to open-banking standards
  • Works alongside payment initiation in the same consent journey
  • Clear yes/no responses for checkout and lending workflows
  • Supervisor-visible test evidence for conformance reviews
Illustration of paying utility and municipal bills from one supervised NamPost wallet with transparent fees

Person-to-government

Pay government and utilities from one wallet

Build person-to-government experiences—municipal rates and taxes, prepaid electricity, water, airtime, and configurable billers—on the same agency network NamPost runs at the counter. Test pay-later settlement when a customer cannot pay in full today.

  • NamWater, MTC, Nored, Erongo Red, City of Windhoek, and local municipalities
  • Pay-later agency bills on terms you define with the customer
  • Fee plus commission returned in every API response
  • Clear fee disclosure on every payment for consumer-facing apps
  • Spaza, kiosk, USSD, and digital channels from one integration
Illustration of a supervised grant disbursement calendar sequencing payouts to SmartCards and counters

Government-to-person

Grants, pensions, and social disbursement

Rehearse pension days, child-grant windows, disability payouts, and in-kind relief—cash to SmartCard or IPN, food parcels and aid goods with chain-of-custody—using synthetic cohorts shaped for Namibian programmes.

  • Pension days 1–3, child and disability windows 4–6, basic income grant days 7–8
  • Proof-of-life required before disbursement in the API
  • Grant eligibility kept separate from account information reads
  • Cash, digital accounts, and physical aid in one supervised test path
  • Nationwide service points and mobile teams for counter and field scenarios (136 service points on nampost.com.na)
Illustration of supervised biometric proof-of-life verification at counter and field, with no real faces

Proof of life

Verify people at counter, field, or sync later

Simulate biometric checks for pensions, grants, insurance, and aid at counter or in the field—including offline capture that syncs when coverage returns.

  • Verify one person or a whole batch at once
  • Programme-specific rules without mixing grant files
  • Proof-of-life-as-a-service for insurers and lenders
  • Audit-friendly outcomes for supervisor review
Illustration of PostFin affordability and repayment scheduling from consented reads under supervision

Pay-later, lending & underwriting

Pay-later bills and microlending—without the paperwork queue

Build pay-later agency bill flows and microlending on NamPost: consented account reads for affordability, funeral cover distribution, and loans without six-month statement PDFs.

  • Deferred agency bill settlement when the customer pays on agreed terms
  • Loan calculators and repayment schedules under NAMFISA rules
  • Affordability checks against synthetic income bands
  • Funeral cover tiers at N$5,000 and N$10,000 for distribution tests
Illustration of a mobile shop and POS terminal for agent and NAMQR payments

NAMQR & commerce

QR payments, merchant settlement, and tax exports

Test merchant acceptance, payer scans, and settlement—including offline batches for traders who lose connectivity and statement exports for tax filing.

  • Create and read standard Namibia QR payment codes
  • Merchant and payer personas from the synthetic library
  • Settlement and reconciliation hooks for your ledger
  • Offline batch upload patterns for traders in low-coverage areas
Illustration of a supervised last-mile chain-of-custody linking parcels, payment, and proof-of-life

Logistics & last mile

Payments plus parcels—identity, delivery, proof

Combine financial and physical rails: aid chain-of-custody, pay-on-delivery, click-and-collect at post offices, and courier handover with proof-of-life—what banks cannot replicate.

  • Chain-of-custody events with tamper-evident integrity checks
  • GPS checkpoints and temperature log ingestion for aid programmes
  • Proof-of-life at pickup tied to beneficiary personas
  • National fleet and nationwide service points as pickup and payout nodes

NamPost as scheme operator

NamPost builds and operates the trust fabric—isolation, synthetic data, compliance checks, regulator visibility, and lifecycle automation—while participants focus on innovation.

Provision & isolation

NamPost ICT
  • Each approved participant gets an isolated test environment with its own data and API routes.
  • Outbound network access is denied by default so test workloads cannot reach production or other sandboxes.
  • Profiles for open banking, grants, lending, or agency payments decide which products and datasets deploy.

Synthetic data engine

Data team
  • Realistic test personas: SmartCards, grant payout days, billers, QR codes, proof-of-life, and aid logistics.
  • Quality gates block promotion when fees drift, regions are unfair, or grant calendars break.

API gateway & identity

NamPost ICT
  • Rate limits, secure sign-in, and step-up authentication on every payment initiation.
  • Separate access for participants, supervisors, and NamPost staff; consent can be revoked within 60 seconds.

Tariff & fee engine

Product / Finance
  • Fee quotes match published NamPost tariffs for withdrawals, bill pay, and postal orders.
  • Fee drift surfaces on the Observation Deck when quotes diverge from the tariff book.

Regulator Observation Deck

Compliance + ICT
  • Supervisors see active tests, payment security compliance, fee accuracy, grant sequencing, and fraud alerts.
  • Directives can pause payments or reduce caps—with a full audit trail.
  • Exports bundle API activity, consent events, and AI decisions for board and incident packs.

Monitoring & incident response

SRE / Compliance
  • Alerts for missing payment security checks, backup gaps, fee drift, or duplicate grant payouts.
  • Critical incidents trigger on-call and draft preliminary notices within 24 hours.
  • Twice-yearly recovery drills target two-hour restart and five-minute data loss limits.

Lifecycle orchestration

Platform
  • Guided flow from application review through provisioning, monitoring, progress reports, and exit.
  • Testing agreement must be signed before provisioning; supervisor sign-off before exit.
  • Exit produces a signed report and tears down the namespace after audit export.

Marketplace & hackathons

Partnerships
  • Pre-qualified vendors and short proof-of-concept sandboxes on the enterprise gateway.
  • Hackathon workspaces with synthetic datasets and judging dashboards.

Programme controls

Compliance
  • Every NamPost action maps to NPIF intake, routing, synthetic-only default, module allowlists, and supervisor visibility.

NamPost by layer

LayerNamPost actionOwner
ProvisionIsolated environment and seeded test dataNamPost ICT
SyntheticGenerate personas and run quality gatesData team
APISecure routes and payment step-upNamPost ICT
FeesPublished tariffs and drift monitoringProduct / Finance
ObservationSupervisor dashboard, directives, exportsCompliance + ICT
MonitoringAlerts and recovery drillsSRE
LifecycleApply → test → exit with evidencePlatform
MarketplaceVendor proof-of-concept sandboxesPartnerships
HackathonsChallenge workspaces and judgingPartnerships + ICT

Programme rules NamPost enforces

  • Single application covering your innovation and products to test
  • Bank of Namibia for payments; NAMFISA for lending and insurance
  • Step-up authentication on every payment initiation
  • Synthetic data only by default
  • Only approved API surfaces are enabled
  • Regulator Observation Deck for supervisors
  • Recovery time and backup evidence on critical paths
  • High availability targets for critical control-plane services

What NamPost does not do in the sandbox

  • Never touches live Ministry of Finance grant files.
  • Never provisions production SmartCard numbers or live international wire credentials.
  • Never grants a banking licence—exit outcomes are separate legal processes.
  • Never takes ownership of participant innovation—your code stays yours.

The sandbox is not a dumb API proxy—it is an active, auditable environment on NamPost’s licensed network, operated by NamPost ICT.

One sandbox, many goals

A balanced scorecard across policy, regulation, technology, inclusion, and commerce—not a single KPI.

National policy

Inclusion, grant digitisation, open-banking readiness (OBS conformance in sandbox)

Regulatory

Payment rules, consumer protection, supervisor learning

Programme

Fintech integrations, faster trials, grant pilots

Technical

Uptime, recovery time, payment security on every initiation

Inclusion

Fairness checks across regions

Business

Marketplace, hackathons, cross-border rehearsal

Year 1 programme targets

GoalYear 1 targetOwner
Fintech integrations tested≥10 entities with green conformancePartnerships
Faster digital trialsMedian approval → first API 200 ≤90 daysProduct
Regulator visibility≥90% active tests with regulator login/weekCompliance
NAMQR adoption≥5 distinct use cases documentedDigital
Grant digitization pilots≥3 district simulations (sequencing + PoL)G2P
API marketplace≥15 listed vendor APIsPlatform
Provision SLA≤10 working days approval → first API callICT
Synthetic data realism≥4.2/5 participant surveyData
GFIN / SADC cross-border≥2 corridor testsProduct
Cost per active test<N$5,000/monthFinOps

Technical & resilience

  • API availability (control plane): 99.9% monthly
  • RTO: ≤ 2 hours
  • RPO: ≤ 5 minutes
  • Audit log durability: 7 years immutable
  • 2FA on every PIS initiation: 100%

Inclusion & fairness across regions

If PoL pass rate in Kunene is 78% vs national 92%, a bias alert appears on the Observation Deck until remediated.

  • Regional representativeness ≤ ±5% deviation
  • Disparate impact <15% absolute difference
  • Proxy skew ≤ 0.15

How goals are measured

DashboardAudienceKey goals
Participant portalFintechsTime to first API success, integration status
Observation DeckBoN / NAMFISASupervisor review, payment security, fairness alerts
Board packNamPost BoardYearly outcomes and resilience posture

Every API, fee check, and Observation Deck widget ties back to a measurable programme outcome.

Adaptive across fintech segments

Not one-size-fits-all: pick only the NamPost products you need, match synthetic personas to your users, and stage account reads before payment initiation under supervisor oversight.

AdaptationHow it worksExample
Module pickerSelect only the NamPost products you need—bill pay, grants, lending, NAMQR, and moreA bill-pay app tests agency payments and skips microlending modules
Sandbox typeOperator provisions different test profiles per use caseOpen banking vs grant disbursement vs lending vs agency payments
Synthetic personasChoose test identities that match your target usersRural grant beneficiary, USSD merchant, stokvel treasurer
Two-stage pathDigital (free, synthetic) → Regulatory (capped, supervised)Account reads first, payment initiation after evidence
API surface controlYou request specific permissions; consent enforces boundariesRead-only account data is separate from payment initiation and proof-of-life
Regulator routingActivity-based: Bank of Namibia for payments, NAMFISA for lending and insurancePostFin lending tests follow the NAMFISA track

Fintech archetypes and sandbox paths

G2P / gov-tech

Government-to-person profile

Grant disbursement, proof-of-life

Social Cash Grant sequencing (pension 1–3, child/disability 4–6, BIG 7–8); mobile teams; no live MoF files

Post office agent / merchant

Agency payments profile

Third Party Payments, NAMQR, agency bill pay

136 service points; tariff-accurate fees; QR settlement; two-factor verification on every payment

Microlender (PostFin)

Lending profile

PostFin lending, account information

Synthetic VISA SmartCard cashflow (no 6-month PDFs); NAMFISA affordability and disclosure templates

Insurtech / funeral cover

Insurance profile

Insurance distribution

Funeral tier mocks (N$5k/N$10k); claims simulation; distribution via post office network

Bill-pay aggregator

Agency payments profile

Agency bill pay, NAMQR

Pre-integrated billers (MTC, NamWater, municipalities); tariff-accurate fees; USSD error codes

Stokvel / community finance

Open banking profile

Account information

Consented member-by-member reads; revoke within 60 seconds; 90-day max history

Bank incumbent (OBS)

Open banking profile

Account read, payment initiation, funds confirmation

OBS conformance tests; step-up 2FA on every debit; market activation requires BoN written scope

Remittance / PostPay

Agency payments profile

Domestic and corridor payments

Domestic, SADC, and diaspora corridor mocks; commission from tariff; SMS PIN simulator

Physical aid / NGO

Government-to-person profile

Aid logistics, proof-of-life

Chain-of-custody integrity; GPS logs; temperature-sensitive aid; proof-of-life at pickup

Adaptive without vendor lock-in

NamPost builds on open source—no six-month commercial MOU before you can test.

  • NamPost platform (open-source stack)
  • Guided onboarding agents in the portal
  • Fast sandbox provisioning (under 30 seconds target)
  • Agent-based synthetic data
  • Air-gapped workspaces via network isolation

Test without exposing production beneficiaries—and without guessing what supervisors see. The Observation Deck shows BoN and NAMFISA exactly what you are testing.

  1. 1
    Choose your NamPost products

    See the full module catalogue in the API docs

  2. 2
    Check your regulatory track

    Bank of Namibia payments vs NAMFISA lending and insurance

  3. 3
    Apply

    N$500 application fee, 14-day decision target

  4. 4
    Launch sandbox

    Provisioned within hours; synthetic personas ready

  5. 5
    Run integration checks

    Conformance suites prove your integration works

Solo founder, bank, or NGO—the sandbox adapts through module selection, personas, and staged oversight.