Built for the way money moves here
From the market stall to the ministry: the same account, the same QR, the same ledger. Each sector below uses features that exist today; nothing on this page is a roadmap item.
Markets, shops and street trade
The mother selling food at the market, the corner shop, the pharmacy, the boutique.
- Static QR printed once, dynamic QR with the amount, offline QR when the network drops
- Receipts to both parties, sales per day and by method in the merchant dashboard
- Settlement to the merchant balance in seconds; withdrawal to mobile money or bank
Transport
Moto-taxi riders, minibus operators, fuel stations, parking.
- Ride paid by scanning the rider's code or by @tag from the passenger's phone
- Fleet owners collect per vehicle with sub-accounts and see who collected what
- Cash-out at agents along the route
Utilities and billers
Billers already in the catalogue: SNEL (Société nationale d'électricité), DGI (Direction générale des impôts), Liquid Home Fibre, Orange Internet, Vodacom Internet (Vodanet), Canal+ Afrique, DStv (MultiChoice), StarTimes, REGIDESO.
- Bill pay from the app, USSD or an agent counter, with the customer reference validated
- Biller receives a normalised file of paid references and a settlement statement
- A public API for the biller's own systems to post invoices and read payments
Telecom and digital services
Airtime and data for Africell, Airtel, Orange, Vodacom.
- Top-ups within the published band, instantly credited
- Subscriptions and recurring collections with dunning
- Gift cards issued in local currency
E-commerce and marketplaces
Online shops, delivery apps, marketplaces with many sellers.
- Hosted checkout, payment links and an embeddable widget; WooCommerce and Shopify integrations
- Split payments to several recipients from one intent; refunds allocated back pro rata
- Signed webhooks, idempotent requests, a sandbox with magic numbers
Schools, churches and associations
Fees, tithes, dues and campaigns collected from many people.
- Payment requests to a list of payers with a reference per person
- Reusable payment links and a QR on the notice board
- Statements per period for the treasurer
Government and institutions
Agencies collecting fees, taxes, permits and fines.
- Citizen references and QR codes per service with a reconciliation code
- Agents issue references at the counter; the agency reads the dashboard and the audit export
- Payments observed on the national switch are journaled, never held by the platform
Diaspora and remittance
Families abroad sending money home, cash pick-up at an agent.
- Corridors declared with their licences and partners; the platform refuses corridors that are not authorised
- Recipient chooses the currency; the rate, the margin and the fee are disclosed before sending
- Cash pick-up with a code, mobile money or bank payout from prefunded local accounts
Agents and cash networks
Shops that become deposit and withdrawal points.
- Cash-in and cash-out with one-time codes, commission on every completed operation
- Float forecast, replenishment requests approved at four eyes, daily limits per agent
- Payout device app that turns operator SMS into signed evidence
Feature phones too
USSD menus and SMS commands cover the essentials (balance, send, pay a bill, cash-out code) without an app, and the Lite web version works on very slow connections without JavaScript. Every interface is available in eleven languages including Lingala, Kikongo, Tshiluba and Swahili.