Apache Fineract

Apache Fineract is an open-source core banking platform that provides a flexible, extensible foundation for a wide range of financial services. It targets institutions and innovators building lending, savings, and related products, with an explicit focus on reaching underserved and unbanked populations. It is a verified Digital Public Good.

It runs on Java 21 or newer with PostgreSQL 18 or newer. A self-contained JAR embeds a servlet container and runs without Tomcat, or you can deploy the WAR to a separate Tomcat instance. Pre-built Docker images and Kubernetes startup paths are also provided. The REST API serves requests over HTTPS, with a default login of mifos/password on a fresh install.

PostgreSQL is the preferred and recommended backend. MySQL and MariaDB still work but are deprecated and require manually adding the appropriate JDBC driver, since the official image ships only the PostgreSQL driver.