We build mobile-money lending, payments and credit-decisioning platforms for the telecom operators and financial institutions that serve emerging markets — and we operate them at carrier scale.
One engine for scoring, disbursement, recovery and settlement — operated by us on the partner's existing rails.
A selection of organisations we have built and operated platforms for since 2012.
A decade of running mobile-money credit at carrier scale taught us how to score, disburse, recover and reconcile money on networks others find hard to reach. We turned that engine into a platform — and we operate every layer of it.
The product that started it all. Tiny top-ups, vast impact: when a subscriber's balance hits zero we extend just enough airtime or data to keep them connected, recovered automatically at the next recharge.
Airtime credit's bigger cousin. When the wallet can't fund a payment, M-OD scores, advances and recovers — so transactions complete instead of failing.
Cash loans sized to verifiable behaviour, disbursed and repaid over mobile money. Responsible by design — single pricing, no rollover traps, no cycle of debt.
A two-way rail for companies and governments: pay many recipients in one batch, or collect from many payers. Reconciled, settled, and audit-ready.
The same engine that runs our telco lending — exposed for banks, SACCOs and lenders. Sub-100ms scoring, lifecycle webhooks, audit trails built for regulators.
Subscriber walks in with a SIM, walks out with a phone. We underwrite, we operate the recovery rails, repayment happens through the carrier.
Our customers are mobile network operators, banks, manufacturers and public-sector bodies. The thread that runs through everything we do is simple: build the rails that let financial services reach the people for whom traditional channels do not work — and operate them with the discipline they deserve.
Thirteen years of operating mobile-money credit at carrier scale — and the numbers that come from doing the unglamorous work of integration, recovery, and settlement, every day.
From the highlands of Nairobi to the atolls of the Maldives, from the Niger River to Hong Kong harbour — the work travels well, because the underlying engine does.
We discover commercial goals, integration realities and risk appetite. Output: signed term sheet and product spec.
Plug into the carrier's billing, voucher, USSD and mobile-money rails. Sandbox up in week 2, end-to-end in week 4.
A controlled pilot to a defined cohort. Eligibility, fraud, recovery and settlement watched on shared dashboards.
Roll out to base. We run ops 24/7 — scoring, reconciliation, fraud, MIS, on hardware we monitor and back up hourly.
The conversation starts with a 30-minute call. We pick partners carefully and build relationships that span years.