For partners
No signal.Still paid.
Offline payments and pay-later for banks, PSPs and mobile money. Settled automatically when the signal returns.
A wallet that pays with no signal.
Offline, bythe numbers.
Country packs configured, from Senegal to Kenya
15
One signed payment. It fits in a single QR code.
276 B
Bars of signal needed at the till
0
Languages across the app, docs and console
2
Country packs are at concept status. Limits are illustrative, not regulatory approvals.
Two layers, one integration
Reliability first. Guaranteed offline acceptanceon top.
Reliability layer
Keeps every transaction safe through connectivity loss, whatever the payment method underneath.
- Durable local queue on the device
- Idempotent signed transaction envelopes
- Automatic retry with back-off
How it works
One payment, two scans, no network
The merchant and the payer never need a connection to each other or to a server.
Merchant
Show the request
The merchant device shows a QR with the amount, currency and a one-time request number.
Payer
Scan and confirm
The payer scans, sees the amount, and confirms with their PIN.
Payer
Sign and show
The phone signs the payment with its hardware-backed key and shows a payment QR.
Merchant
Verify in under a second
The merchant scans and checks everything offline: issuer signature, payer signature, limits, replay and chain.
Either device
Sync when there is signal
The first device to get a connection uploads. Settlement follows to the partner ledger.
Offline overdraft
Pay later, even withno signal.
- Funded value is spent first, then the overdraft.
- After sync, the overdraft becomes a short-term loan with a fee and a due date, for example 14 days.
- It is repaid automatically from incoming funds.
- The limit depends on the customer's KYC tier and repayment history.
Who it is for
Built for the businesses that already runthe payments.
PSPs and POS networks
Keep terminals transacting through outages and reconcile automatically when they reconnect.
Banks
Offline acceptance for your merchants and app users, inside your own ledger.
Mobile money operators
Keep agents and merchants transacting through network outages.
Merchant platforms and retail chains
Take payments in stores and pop-ups with poor coverage.
Transport ticketing
Fares on buses and ferries that stay offline all day.
Schools and field-agent networks
School fees, cash collection and disbursement in low-connectivity areas.
Honest by design
Offline double-spend is bounded, detectedand recovered.
Bounded
Limits, caps and expiry mean the most anyone can double-spend is their own allowance.
Detected
A double-spend breaks the hash chain. At reconciliation it shows as a cryptographic fork, with both signed payments as proof.
Recovered
The key is revoked, the merchant is still paid from a risk pool, and the loss is recovered from the KYC'd holder.
No signal.Still paid.
Tell us about your market. We are running pilots with a small number of licensed partners.