Strategy · 11 min read
For banks & neobanks
A mobile wallet and agent network — without touching your core.
Reach customers beyond the branch with a wallet, agents and merchant acceptance, while your core banking system stays exactly where it is.
Why banks & neobanks choose PesaBridge
A bank already has the licence, the trust and the balance sheet — what it often lacks is an economical way to serve millions of low-value, high-volume mobile transactions a core banking system was never priced for. PesaBridge sits alongside your core as a stored-value ledger and agent network, sweeping and settling to your accounts through the API, so you reach customers far beyond the branch without re-platforming.
Your risk and compliance teams get what they need from day one: balanced books, KYC tiers, limits, a reversal engine and a full audit trail. You launch a branded wallet, an agent network and merchant acceptance in weeks, run it from one admin, and turn a cost centre into a low-cost deposit and transaction channel.
The challenge
What gets in the way.
- Core banking can't economically serve low-value, high-volume mobile transactions.
- Building agent, USSD and merchant rails in-house takes years and a large team.
- Regulators expect balanced books, KYC tiers and a full audit trail from day one.
Outcomes
- New low-cost deposit and transaction channel
- Reach beyond the branch network
- Live in weeks, not years
How PesaBridge helps
What you switch on for banks & neobanks.
01
Stored-value wallets
A balanced double-entry ledger beside your core, reconciled to the cent.
02
Agent network
Cash-in / cash-out, float distribution and commissions across a hierarchy.
03
Open API
Sweep, settle and reconcile to your core via OAuth2 + signed webhooks.
04
Compliance built in
KYC tiers, limits, reversals and audit trails for the regulator.
Your customers, on their phones
A bank account that lives in the pocket
Customers get paid by QR, send to anyone and see every shilling, under your bank's brand and on your core.
How it works
How money moves.
Every step settles on the same balanced ledger — cash in, wallet, payments, cash out — across apps, USSD and agents.
STEP 1
Cash in
A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.
STEP 2
Wallet
Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.
STEP 3
Send & pay
Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.
STEP 4
Cash out
Withdraw at any agent; the agent float credits and the wallet debits.
How customers transact
The flows banks & neobanks run most.
Switch between the journeys that matter to your segment. Every one checks balance and limits, then waits for PIN or biometric authorisation before a single entry hits the ledger.
Top up from a bank
Link a bank or card account and sweep value in and out on demand.
Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.
- Balance & limit checked first
- Validation / authorisation gate
- Balanced debits & credits posted
Customer
System
CustomerLink your bank or card account
01
02
System · validatesVerify the account
CustomerChoose a top-up amount
03
04
System · validatesCheck limits
Customer · validatesAuthorise — PIN or biometric
05
06
SystemPull from bank via the rail
07
SystemCredit wallet, post balanced entries
System · doneTopped up · balanced · receipt
Step Validation / PIN Completed
Build vs. PesaBridge
Why not build it yourself?
You could. Here's what each piece costs in time and risk when you start from zero — versus switching it on.
Capability
Build it yourself
With PesaBridge
Balanced double-entry ledger
Months of careful engineering — and the riskiest part to get wrong
Out of the box, reconciled to zero
KYC tiers, limits & AML
Build, test and certify yourself
Configurable, regulator-ready
Agent & float network
Design float, commissions, reconciliation from scratch
Full agent / super-agent engine
USSD channel
Integrate a gateway and build the menu engine
Whole wallet over USSD, included
Native apps (User/Agent/Merchant) + corporate portal
A fleet of apps to build & maintain
Shipped, themed from your brand
Developer API & webhooks
Design, document, secure and version it
OAuth2, sandbox, signed webhooks
Rail integrations
One-off builds per provider
Pluggable adapters
Time to market
12–24 months, large team
Weeks
More solutions
Built for whoever launches mobile money.
190+
Countries you can launch in
4
Native apps, one platform
4
Channels — App · USSD · Web · API
100%
Double-entry, always balanced
Further reading
Guides from the PesaBridge team
Ready to launch your wallet?
Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.
Prefer to talk? Call +254 746 883809