Every bank in Ethiopia, one API call
Ask whether a payment actually arrived, whose account a number belongs to, or what came in today — and get the same answer in the same shape whichever bank it is. One connector, not thirty.
It never moves money
Verifying that a transfer arrived and initiating one are different acts. This connector only ever asks questions — it has no code that pays anybody, and the permitted operations are a fixed list. That is why it can be used today, by anybody, without a payment licence.
How an answer is obtained
Two ways, and your software cannot tell them apart — same call, same states, same audit trail. A bank moves from one column to the other without anything on your side changing.
| Bank or wallet | Type | Answered by | What you may ask |
|---|---|---|---|
| CBE
Commercial Bank of Ethiopia
The account most Ethiopian wholesalers are actually paid into.
|
bank | a person checks | Verify a transfer · Check an account name · List today's credits |
| Awash Bank | bank | a person checks | Verify a transfer · Check an account name |
| Dashen Bank | bank | a person checks | Verify a transfer · Check an account name |
| BoA
Bank of Abyssinia
|
bank | a person checks | Verify a transfer · Check an account name |
| Wegagen Bank | bank | a person checks | Verify a transfer |
| United
Hibret Bank
|
bank | a person checks | Verify a transfer |
| Nib International Bank | bank | a person checks | Verify a transfer |
| Coopbank
Cooperative Bank of Oromia
|
bank | a person checks | Verify a transfer · Check an account name |
| Oromia Bank | bank | a person checks | Verify a transfer |
| Zemen Bank | bank | a person checks | Verify a transfer |
| Berhan Bank | bank | a person checks | Verify a transfer |
| Bunna Bank | bank | a person checks | Verify a transfer |
| Abay Bank | bank | a person checks | Verify a transfer |
| Enat Bank | bank | a person checks | Verify a transfer |
| Addis International Bank | bank | a person checks | Verify a transfer |
| Debub Global Bank | bank | a person checks | Verify a transfer |
| Lion International Bank | bank | a person checks | Verify a transfer |
| Amhara Bank | bank | a person checks | Verify a transfer |
| Ahadu Bank | bank | a person checks | Verify a transfer |
| Siinqee Bank | bank | a person checks | Verify a transfer |
| Tsehay Bank | bank | a person checks | Verify a transfer |
| Gadaa Bank | bank | a person checks | Verify a transfer |
| Sidama Bank | bank | a person checks | Verify a transfer |
| Shabelle Bank | bank | a person checks | Verify a transfer |
| Goh Betoch Bank | bank | a person checks | Verify a transfer |
| Tsedey Bank
Formerly ACSI (Amhara Credit & Savings).
|
bank | a person checks | Verify a transfer |
| Siket Bank
Formerly Addis Credit and Saving Institution.
|
bank | a person checks | Verify a transfer |
| Omo Bank
Formerly Omo Microfinance.
|
bank | a person checks | Verify a transfer |
| DBE
Development Bank of Ethiopia
Project and lease finance; businesses repay loans here.
|
bank | a person checks | Verify a transfer |
| ZamZam Bank
Interest-free.
|
bank | a person checks | Verify a transfer |
| Hijra Bank
Interest-free.
|
bank | a person checks | Verify a transfer |
| Rammis Bank
Interest-free.
|
bank | a person checks | Verify a transfer |
| telebirr
Ethio Telecom. The one most retail customers pay from.
|
mobile money | a person checks | Verify a transfer · Check an account name |
| M-PESA
Safaricom Ethiopia.
|
mobile money | a person checks | Verify a transfer |
| CBE Birr | mobile money | a person checks | Verify a transfer |
| Amole
Dashen Bank.
|
mobile money | a person checks | Verify a transfer |
| eBirr
Common in Somali Region and the east; Hello Laundry takes it.
|
mobile money | a person checks | Verify a transfer |
| Kaafi
Somali Region wallet, settled into the same merchant account as eBirr. Hello Laundry takes it.
|
mobile money | a person checks | Verify a transfer |
| HelloCash
Belcash, offered through several banks and microfinance institutions.
|
mobile money | a person checks | Verify a transfer |
| Kacha
Licensed payment instrument issuer.
|
mobile money | a person checks | Verify a transfer |
| YaYa Wallet
Licensed payment instrument issuer (NBE, 2023).
|
mobile money | a person checks | Verify a transfer |
| Awash Birr
Awash Bank's wallet.
|
mobile money | a person checks | Verify a transfer |
“A person checks” is not a placeholder. The request reaches an operator within seconds, with the amount, the reference and the payer already written out as an instruction; the answer is recorded against your document with a name and a timestamp. Compared with a photograph of a bank app in a chat group — which is how this is decided in most of the country today — it is the same speed and an enormous gain in evidence.
Asking
POST https://adera.com.et/v1/documents
{
"connector": "bank",
"operation": "verify_transfer",
"bank": "cbe",
"reference": "PAY-2026-0044",
"amount": 40000,
"currency": "ETB",
"transfer_reference": "FT26123456789",
"payer_name": "Kezira Pharmacy",
"expected_on": "2026-09-04"
}
Then poll GET /v1/documents/PAY-2026-0044 as usual.
cleared means the money is there and
result_number carries the bank's reference;
rejected means it is not, and error says so in
words. Try it in the sandbox — no key needed.
The three questions
| operation | What it answers | Why it is worth money |
|---|---|---|
| verify_transfer | Did this amount actually arrive? | Stock is released against a payment that landed, not a screenshot that might be of a different day. |
| name_check | Whose account is this number? | Catches the transposed digit before the money goes to a stranger — the mistake nobody can reverse. |
| statement | What came in today? | Reconciliation stops being a person reading a screen and typing into a ledger. |