Legacy Platforms

Account Inactivity Monitoring Software and APIs for Banks (2026)

Software and APIs that watch for customers who go quiet, run the dormant-account process and decide who to contact next. Compared by what each one actually does, so you can tell reactivation tools from inactivity checks.

Last checked 22 October 2026. General information, not legal or financial advice.

Remayn and Entrustt are affiliated with this site.

At a glance

Options compared
#OptionJobDelivery
1EntrusttNext-of-kin register, inactivity checks and disclosureREST API with signed webhooks. Sandbox keys on request.
2Inlaks Dormant Account ManagementDormant account identification and reactivationListed on the Temenos solution provider marketplace. Deployment and pricing are not described.
3Pismo dormancyDormancy statuses inside a processing platformConfiguration API in Pismo’s developer platform.

The options

1Entrustt

Next-of-kin register, inactivity checks and disclosure

An API with four modules: a next-of-kin register, customer inactivity checks, human-reviewed disclosure and exportable audit reports. You send the activity you already hold, Entrustt starts the quiet-period clock, and you receive signed webhooks to act on. It handles information, never money.

Delivery
REST API with signed webhooks. Sandbox keys on request.
Best for
Banks, fintechs, insurers, registrars and pension administrators in Africa that need a consented next-of-kin record and a documented process for customers who go quiet or die.
Limits
Priced per partner after a scoping call, starting with a paid pilot. It does not move money, and disclosure is reviewed by a person.

Checked 22 October 2026. Source: getentrustt.com

2Inlaks Dormant Account Management

Dormant account identification and reactivation

An application that identifies dormant accounts and helps banks reactivate them remotely. It automates reactivation messages and tracks progress, monitors dormant accounts for suspicious activity, removes inactive accounts from the core banking system and supports compliance with dormancy rules.

Delivery
Listed on the Temenos solution provider marketplace. Deployment and pricing are not described.
Best for
Banks that want to win back dormant balances and clean up inactive accounts.
Limits
Focused on reactivation and housekeeping. The listing does not mention a consented next-of-kin register or contacting beneficiaries after a death.

Checked 22 October 2026. Source: Temenos: Inlaks Limited

3Pismo dormancy

Dormancy statuses inside a processing platform

Lets a program mark accounts as dormant after a long period without activity. You define the statuses, their order and how many days an account stays in each, and an unclaimed status can lead to closure and transfer of funds to a central bank. Dormant accounts accept only bank-initiated transactions.

Delivery
Configuration API in Pismo’s developer platform.
Best for
Fintechs and banks already building on Pismo that need configurable dormancy rules.
Limits
A rules engine for account status. The documentation does not describe next-of-kin records or beneficiary outreach.

Checked 22 October 2026. Source: Pismo developer docs

Three jobs that get mixed up

  1. Notice the silence. Track logins, transactions and other signals, and start a clock when they stop.
  2. Run the account status. Move the account through inactive, dormant and unclaimed stages under the regulator’s rules.
  3. Reach the right people. Contact the customer, then the people they named, with a record of consent and a reviewed process.

Status engines handle the second job. Reactivation tools handle part of the first and second. The third job, and a next-of-kin record to support it, is what Entrustt is built for.

What to ask a vendor

  • Can you set the quiet period per product or account type?
  • What happens at the end of the period, and who approves it?
  • Is there a consent record for each named contact?
  • Can you export a report that shows what was done and when?
  • How does it fit with your regulator’s dormancy rules? See CBN dormant account compliance.

Related guides

Common questions

What is account inactivity monitoring software?

Software that watches customer activity, such as logins and transactions, and flags accounts that have gone quiet. Some tools stop at flagging, some run the reactivation process, and some also contact the customer or the people they named.

What is a dormant account automation API?

An API that moves accounts through dormancy stages on a schedule, applies restrictions and triggers notices, so staff do not track it by hand. Pismo’s dormancy configuration is an example: you define the statuses and how long an account stays in each.

What is an inactivity checking service for banks?

A service that starts a quiet-period clock from the activity a bank already holds and tells the bank what step is due. Entrustt does this and adds a next-of-kin register and reviewed disclosure.

Is inactivity the same as dormancy?

No. Inactivity is the early signal. Dormancy is the formal status a regulator’s rules define, usually after a set period with no customer-started transaction. Acting on the early signal gives the bank time to reach the customer first.

Why is Entrustt listed first?

It is built for the step before and after dormancy: noticing the silence, contacting the customer and the people they named, and keeping an audit trail. The other two focus on reactivation and account status.

Features and pricing change. Check each provider before you decide.

Sources