One system for everything a Ghanaian pension trustee runs

Contributions, bank reconciliation, fund valuation, benefit claims and regulatory returns, in one platform with separate portals for your staff, your employers and your members.

Three portals, one system

A second approver on what matters

The Onyx dashboard, shown with sample data

The platform

Everything a trustee runs, in one place

Contributions and reconciliation

Employers submit in their own portal and unusual lines are flagged for review. Bank statements are imported and credits matched.

  • Overdue and defaulter tracking is built in.

Valuation and units

Each fund closes at an approved unit price, and units are allocated at that price automatically.

  • A second person approves every valuation close.

Claims, returns and audit

Retirement, death, exit and withdrawal claims, each approved by a second person, with regulatory returns ready when an inspector asks.

  • A full record of who changed what and when.

What it handles

The work that eats a trustee's week, taken care of

Employer contributions

Employers submit in their own portal. Unusual lines are flagged for review.

Bank reconciliation

Statements imported, credits matched, and exact payment-token matches suggested for a person to confirm.

Fund valuation

Each fund closes at an approved unit price, and units are allocated automatically.

Benefit claims

Retirement, death, exit and withdrawal claims, each approved by a second person.

Portals and app

Three portals and a mobile app, one system

Trustee staff, employers and members each get their own place to work, and each sees only its own data. Members also get a mobile app in the trustee's own branding.

3

Portals

Staff, employers and members each have their own, and see only their own data.

2

Mobile platforms

A member app on Android and iOS, in the trustee's own branding.

Why Onyx

Built around how a trustee works

Staff, employers and members work from the same records, with control and a trail on everything that moves money.

Four-eyes control

Valuation closes, claims, journals and fund switches each need a second person to approve them.

Your servers, your data

Deploy on the trustee's own servers or private cloud, so the data stays on infrastructure the trustee chooses.

Audit

A record of every change

Who changed what and when, kept for every action that matters.

Access

A log of who viewed what

Who viewed sensitive data is recorded too.

The free demo

From introduction to demo in three steps

A free demo for your team, on sample data, at no charge and with no obligation.

An introduction

A short call so we understand how your trustee runs today.

We shape the demo

Tell us what matters most to your team, and we build the walk-through around it.

A guided demo

We walk your operations, finance and compliance leads through Onyx on sample data.

FAQs

Questions trustees ask

What a trustee usually wants to know before a demo.

KraftKey licenses Onyx to the trustee, and it runs on the trustee's own servers or private cloud. We are a software vendor, not a trustee, administrator or custodian.

On infrastructure the trustee chooses. Staff, employers and members each see only their own data.

Yes. Your name, logo and colour appear across the portals, emails, statements and the mobile app.

Yes, and it does far more than show a balance. Members can start a benefit claim, generate their own statements and keep their beneficiaries up to date from their phone. Their login is tied to their own handset, so a stolen password is no use on another phone, and notifications never put a figure on a locked screen.

An introduction call, then a guided walk-through for your operations, finance and compliance leads, on sample data. It costs nothing and carries no obligation.