Open-Source Framework • Designing the Open Standard for Pension Systems
OP
OpenPensionInfrastructure
GitHub

The open framework for
pension administration.

A modular, configurable, API-first engine built to power pension funds, retirement administrators, fintechs, and financial platforms globally.

Explore Rule ConfigurationsSystem Architecture
Product Architecture

Designed in layers. Structured for adaptability.

Instead of attempting to build a rigid global database, OpenPension splits administration into logical layers. Keep the core standard while complying natively with diverse regional guidelines.

01

Universal Engine Core

An open-source standard for identity, transaction log ledgers, accounts, and base compliance flows.

02

Country Compliance Plugins

Injectable validation modules (e.g. Nigeria PRA 2014, South Africa Reg 28, Kenya RBA) managing local formulas.

03

Enterprise Settings Layer

No-code configuration for tenant rules, custom contribution gates, authorization steps, and custom templates.

API Layer Connected
Integration & Plugins Layer
Payroll APIs
SMS / Notifications
Payment Clearers
Engine
OpenPension Core Kernel
Ledger DB
Members
Employers
Workflow
Regional Compliance Injections
Nigeria (PRA)
South Africa (Reg28)
Kenya (RBA)
The Philosophy

Architecture Built on Principles

OpenPension is not styled as a traditional dashboard product. It is a financial framework built from the ground up to support modern system scale requirements.

Strictly API-First

Every core capability is exposed via structured REST endpoints. Build custom mobile apps, portals, or sync directly into corporate ERP systems.

Configurable Business Rules

Never hardcode tax brackets, retirement ages, or voluntary contribution percentages. Manage them externally via dynamic schema definitions.

Event-Driven Auditing

Financial data demands strict traceability. Contributions publish asynchronous events to trigger ledger posting, messaging, and immutable audit trails.

Logical Isolation

Complete native multi-tenancy. Administer thousands of distinct organizations on the same cluster database with absolute data protection guarantees.

Dynamic Engine Settings

Test compliance variables in real-time.

Observe how regulatory directives change the core configuration payload. Each country plugin injects validated schemas back into the OpenPension core engine.

openpension-config.json
// Generated schema configuration payload
{
"multiTenant": true, /* Isolate multiple administrators on one deploy */
"baseRetirementAge": 65, /* Default global retirement age */
"baseMinContribution": "8.0%", /* Minimum total contribution floor */
"mfaRequired": true, /* Enforce multi-factor authentication globally */
"immutableLedger": true /* Store transaction records on append-only logs */
}
Platform Blocks

Every component lives as a module.

Install the complete platform or choose only the functional modules your internal business system requires.

Identity & Access

Granular RBAC schemas, OAuth2, and audit logs

Member Management

Profile histories, beneficiaries, and document lockers

Employer Portals

Company structures, payment histories, compliance logs

Individual Accounts

Sub-ledgers, individual balance checks, and statements

Contribution Engine

Automated employer/employee match calculations

Investment Tracking

NAV calculation systems, portfolio splits, asset tracking

Benefit Processing

Death benefits, withdrawal workflows, claims gates

Workflow Engine

Configurable verification logic with custom approve levels

Compliance Core

Regional rule sets and dynamic calculation variables

Reporting Core

Regulatory template generation and executive dashboards

Notification Dispatch

Automated SMS, email, and API callback webhook delivery

API Gateway Layer

Encrypted transaction validation and payload mapping

Ready to design modern pension software?

OpenPension is open source. Contribute rules for your country, build payroll connectors, or deploy an isolated cloud stack.

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