Bring financial services to every phone with mobile money
Serve banked and unbanked customers through smartphone apps, USSD and SMS, backed by an agent network for cash-in and cash-out. Built for low-bandwidth markets and high transaction volumes.
- Smartphone app, USSD and SMS channels
- Agent and super-agent hierarchies with float management
- Cash-in, cash-out, P2P, bills and merchant payments
- Interoperability with banks and other wallets
*150*01#
Amigo Money
- 1. Send money
- 2. Withdraw cash
- 3. Pay bill
- 4. Buy airtime
- 5. Lipa na QR
- 6. My account
Reply: 1
Cash in today
KES 84,200
Commission
KES 1,264
From operational friction to a platform that scales
The problems we hear most often from teams running Mobile Money products, and how we solve them.
The challenge
- Large parts of the market still rely on feature phones and cash
- Agent liquidity problems lead to failed cash-outs
- Commission calculation across agent tiers is error-prone
- Unreliable connectivity causes duplicate or stuck transactions
Our approach
- USSD and SMS menus that mirror the app for any phone
- Float monitoring and rebalancing alerts for agents
- Configurable commission plans calculated automatically
- Idempotent transaction handling designed for weak networks
Everything you need, ready to configure
Proven building blocks you can launch together or roll out in phases.
USSD & SMS
Menu-driven services that work on any handset, with session recovery.
Agent management
Onboarding, hierarchies, float, limits, performance and commissions.
Cash-in / cash-out
Secure agent-assisted deposits and withdrawals with OTP confirmation.
Merchant payments
QR and till-number payments for shops and small businesses.
Interoperability
Transfers to banks and other mobile money schemes via national switches.
Disbursements
Bulk payouts for salaries, social programs and loan disbursement.
From cash to digital and back
- 01
Step 1
Register
Self-registration on app or USSD, or assisted by an agent.
- 02
Step 2
Cash in
Deposit cash at any agent and receive instant e-value.
- 03
Step 3
Transact
Send money, pay bills and merchants, or receive remittances.
- 04
Step 4
Cash out
Withdraw at an agent or move funds to a bank account.
Built for growth, operations and control
Channels
- Android and iOS apps
- USSD menus
- SMS notifications
- Agent app
Agents
- Super-agent hierarchy
- Float management
- Tiered commissions
- Performance dashboards
Services
- P2P transfers
- Bill and airtime payments
- Merchant QR
- Bulk disbursements
Control
- KYC tiers and limits
- Fraud monitoring
- Trust account reconciliation
- Regulatory reports
Delivered as a complete product
Not just code. Branded, tested, documented software your team can operate from day one.
Integrations we connect
- Mobile network operators
- USSD aggregators
- National payment switches
- Banks & trust accounts
- Biller aggregators
- Remittance partners
Customer app
Lightweight app optimised for entry-level devices.
USSD gateway
Menus integrated with your mobile network operators.
Agent app
Cash-in, cash-out and float tools for agents.
Back office
Agent network, compliance and finance operations.
Security you can show your regulator
Controls are designed in from the first sprint and documented for your audits and licence applications.
- PIN and OTP confirmation
- SIM-swap detection hooks
- Agent geo-fencing
- Encrypted USSD sessions
- Transaction limits by tier
- Full audit trail
Mobile Money FAQs
Common questions from teams evaluating this solution.
Still have questions?
We usually reply within one business day.
Yes. USSD and SMS channels give feature-phone users access to the core services, including transfers, bill payments and balance checks.
Agents see their e-float and cash position in real time, receive low-float alerts and can rebalance through super-agents or bank transfers.
Yes. We build connectors to national switches and interoperability schemes so customers can send to banks and other wallets.
Let's scope your Mobile Money project.
Tell us about your corridors, customers and timelines. We will come back with a clear architecture, delivery plan and estimate.
- 30-minute discovery call
- Proposal in about a week
- NDA available on request