Reaching the Unbanked Isn't a Feature
It's the Architecture
people who have never had access to them: agent networks, low-bandwidth apps, and systems that
work on the phones people actually own.
Built for the Conditions, Not the Ideal Case
The constraints that shape every inclusion product we ship.
Offline-first sync
Transactions queue locally and reconcile once a connection is available, instead of failing outright.
Low-literacy interfaces
Icon-led flows, voice prompts, and local-language support for first-time digital users.
Alternative KYC
Onboarding paths that work with limited or informal identity documentation, within regulatory limits.
Agent-assisted models
Tools built for a human agent operating the device on a customer's behalf, not just self-service.
Products That Carry Access, Not Just Transactions
Each one solves a different piece of the access gap.
Agent Banking Networks
Point-of-service tools that let a local agent open accounts, accept deposits, and disburse cash on behalf of a bank or MFI — bringing a branch's worth of service to a kiosk.
Digital Wallets
Send, save, and pay tools built for prepaid data and entry-level Android devices.
Microloan & Credit Scoring
Alternative-data credit models for borrowers with no formal credit history.
Access doesn't start with a login screen. It starts with whether the person in front of it can trust what happens next.
Where We Fit Into Your Programme
Platform Build
End-to-end build of the customer- and agent-facing tools your programme runs on, designed around the devices and networks your users actually have.
- Wallet, savings & disbursement apps
- Agent-assisted onboarding tools
- Offline-capable mobile builds
- Multi-language, icon-led UI
Integration
Connecting your platform to the payment rails, ID systems, and core banking infrastructure it needs to actually move money.
- Mobile money & payment gateway APIs
- National ID / e-KYC systems
- Core banking & ledger integration
- SMS & USSD gateways for feature phones
Ongoing Support
Keeping the platform reliable as your user base and agent network grow, with visibility into where it's breaking down for users.
- Field-issue monitoring & agent feedback loops
- Uptime & transaction reconciliation checks
- Feature updates as regulation shifts
- Data reporting for funders & regulators
From Field Reality to Working Platform
We start where your users are, not where the tech is easiest.
Field & user research
Understanding devices, literacy levels, and trust barriers on the ground before writing a line of spec.
Access-first design
Wireframes built around the lowest-common-denominator device and connection, not the best case.
Build & integrate
Development alongside payment rail and KYC integrations, tested against real network conditions.
Pilot with agents
A limited rollout with real agents and users, watching for where the flow breaks down in practice.
Scale & support
Wider rollout with monitoring in place, so issues surface before they affect trust at scale.
Financial Inclusion Platforms — Common Questions
Yes — we build USSD and SMS-based flows for feature phones alongside app-based options, so the platform doesn't depend on smartphone ownership.
We work within local KYC regulations to support tiered or alternative verification — such as agent vouching or biometric enrolment — where formal documentation allows.
Transactions are stored securely on the device and synced automatically once connectivity returns, with conflict checks to prevent duplicate processing.
Yes — we've integrated with major mobile money and payment gateway APIs, and can build a new integration if your provider isn't one we've worked with yet.
Yes — interfaces are built to support multiple local languages and icon-led navigation for users who may not read the primary language fluently.
