Adding money
Funding that is confirmed by evidence from the operator or the bank, not by the customer saying they paid — so a balance never appears that no money backs.
Anyone putting money into an account: customers topping up, merchants funding float, businesses loading a wallet.
Built, tested and switched off. It is a function of an issuer or an acquirer, so it stays off until the corresponding authorisation is recorded, or until an authorised institution operates it on the platform. Nothing here is offered to a customer meanwhile. This service will be available after the authorisation of the Banque Centrale du Congo; it is switched off by the administrator
The problem
Funding is where fraud lives. A screenshot is not a payment, a reference typed by hand is not proof, and a support agent under pressure is the weakest link in any platform that lets a human credit a balance.
How it works
- Choose how you are funding: an operator collection number, a bank instruction, a card, or an agent.
- Pay as the instruction says, quoting the reference it gives you.
- The platform matches the operator or bank confirmation to your reference.
- The balance moves when the evidence does — and the ledger records which evidence it was.
What you can check
Facts about the running platform rather than adjectives. Each one is visible in the product, the API reference or the ledger.
- Funding is matched against operator or bank evidence, and a confirmation that cannot be matched becomes a case rather than a credit.
- Evidence is deduplicated, so the same confirmation cannot be used twice to credit two balances.
- E-money may not be issued beyond cleared, safeguarded funds: the issuance rule refuses, rather than warning, when the backing is not there.
- Every credit names its authority — external funding, an administrator, liquidity, a programme — so no balance exists without a reason attached to it.
- A manual credit is maker-checker: the person who proposes it is not the person who approves it.
What it costs
Funding costs depend on how the money arrives; the screen shows the charge before you pay, and an agent shows a commission before you confirm.
Questions
I paid but my balance has not moved.
The credit waits for the operator or bank confirmation to be matched to your reference. If the reference was wrong or missing, it becomes a case for a human rather than a quiet credit — contact support with the time and amount and it can be matched.
Can a support agent just add money to my account?
Not alone. A manual credit is proposed by one administrator and approved by another, it names its authority, and it is subject to the same rule as every other issuance: it cannot exceed the cleared funds backing the currency.
Why can you not just trust my screenshot?
Because a screenshot can be edited in a minute by anyone, and a platform that credits balances on them stops being able to back the balances it has issued. The delay for an honest customer is minutes; the alternative costs everybody.
Read next
E-money and safeguarding
An issuance rule the platform refuses on rather than reports on: e-money cannot be issued beyond cleared safeguarded funds, checked at the moment of issuance rather than at the end of the month.
Agents and cash
Cash in and out through a human being near you, with the agent paid a commission the app shows before you confirm and a float the platform watches so the agent does not run dry mid-queue.
Wallets and transfers
A transfer between two accounts is one balanced posting on a double-entry ledger, not a message between two systems that might later disagree.