Mobile money and wallet platforms with agent network management
Wallets, agents, cash in and cash out, transfers and merchant payments on app and USSD, with the controls regulators expect.
Mobile money reaches customers that traditional banking misses. Running it well means managing wallets, agents, liquidity, fraud and compliance at scale.
Our mobile money platform covers the full operation:
- Wallets. Customer, merchant and agent wallets with tiered limits linked to KYC level.
- Channels. Android and iOS apps, USSD for feature phones, and web for agents and merchants.
- Agent network. Agent onboarding, hierarchies, float management, commissions and performance tracking.
- Payments. Person-to-person transfers, merchant payments by QR or code, bills, airtime and bank transfers.
- Controls. Transaction limits, velocity rules, anti-money laundering screening and a full audit trail.
Launch quickly on our off-the-shelf platform or build a branded, customised version for your licence.
Key features
Available as a branded, customised build or as an off-the-shelf licence.
- Tiered walletsLimits and features linked to KYC level, upgraded as customers verify more.
- App and USSD channelsSmartphone apps and USSD menus for full inclusion.
- Agent onboarding and hierarchySuper agents, agents and sub-agents with roles and territories.
- Float and liquidity managementAgent float balances, top-ups, rebalancing and alerts.
- Commission engineConfigurable commissions by transaction type, tier and agent level.
- P2P transfersInstant wallet-to-wallet transfers with name confirmation.
- Merchant paymentsQR codes, till numbers and payment requests.
- Bank and card linksMove money between wallets, bank accounts and cards.
- Bills and airtimeUtility, school fees, TV and airtime payments.
- AML and fraud controlsScreening, velocity rules and suspicious activity reporting.
- Trust account reconciliationDaily reconciliation of e-money issued against trust account balances.
- Customer support consoleReversals, disputes and account management with approvals.
Reports and automated email reporting
Reports run on schedule and land in the right inboxes as PDF or Excel, with live dashboards for anyone who needs the detail.
- Wallet growth and activityRegistered, active and dormant wallets by tier and region.
- Agent performanceTransactions, float usage and commission by agent.
- Liquidity reportFloat positions and rebalancing needs, emailed daily.
- E-money versus trust accountDaily reconciliation for regulatory assurance.
- Suspicious activityAlerts raised, reviewed and reported.
Questions about mobile money applications
Does the platform support USSD?
Yes. USSD menus let customers on feature phones register, transfer, pay and check balances.
How are agents paid commission?
The commission engine calculates commissions automatically by transaction type and agent tier, and pays them on your chosen schedule.
How do you keep e-money balanced with the trust account?
The platform reconciles total e-money in issue against trust account balances daily and flags any difference immediately.
Works well with
Digital banking platforms
Mobile and internet banking, digital onboarding, transfers, bills, cards and back-office tools.
Learn morePayment processing
Gateway, merchant onboarding, multi-rail acceptance, smart routing, settlement, fraud rules and reporting.
Learn moreFinancial transaction monitoring
Real-time AML and fraud rules, screening, risk scoring, case management and regulatory reports.
Learn moreReady to put the right software to work?
Tell us how your business runs today. We will show you what can be live this week, and what a bespoke build would look like.