Ukuphepha nokulandela imithetho

Ukuphepha nokulandela imithetho, ngokuklama.

Izinsiza zezimali ziphila noma zife ngokulunga nokulawula. I-PesaBridge ifaka i-ledger ebhalansayo, i-KYC, i-AML, imikhawulo, ukubuyisela nomkhondo ophelele wokuhlola emgogodleni — hhayi okunamathiselwe ngemuva kokwethula.

Khuluma nethimba lethu Indlela ama-webhook asayinwa ngayo

Izinsika

Ukulawula okwanelisa umlawuli no-CFO.

Yazi Ikhasimende Lakho (KYC)

Amazinga alungiswayo kusukela esikhwameni senombolo yefoni esiyisisekelo kuya ekuqinisekisweni okugcwele kwe-ID + i-selfie, ngemikhawulo yomsebenzi neyebhalansi ngezinga, ukuthatha idokhumenti nokusebenza kokubuyekeza.

I-AML nokuqapha

Amahhuku okuhlola izijeziso/PEP, imithetho yesivinini nemikhawulo, nokumaka — ukuze umsebenzi osolisayo uvele ukuze ubuyekezwe futhi ubikwe.

Ukuqinisekisa nemikhawulo

I-PIN kuso sonke isenzo semali, ukukhiya isikhwama ngemva kwemizamo ehlulekile, imikhawulo yomsebenzi ngamunye neyansuku zonke, nezicelo ze-biometric kuma-app.

Ukubuyisela

Injini eyodwa yokubuyisela ihlehlisa noma yisiphi isigaba — P2P, khokha ibhili, thenga impahla, ukheshi womeli, B2C, i-float, imali egciniwe — ngomkhondo ophelele wesizathu.

Ukuhlola nokubika

Okufakiwe kwe-ledger okungaguqulwa nomlando wokwenziwa, izitatimende nokuthumela ngaphandle, kanye namaphakethe emibiko elungele umlawuli.

Idatha nokufinyelela

Ukufinyelela ngezindima ku-admin, okwakho ukuthunyelwa nedathabhesi ngomsebenzisi ngamunye, kanye nama-webhook asayiniwe (HMAC-SHA256) ozakwethu abangawaqinisekisa.

Ikhathalogi yokulawula

Konke ukulawula, ngendawo — isethi umlawuli ayicelayo.

Lezi akuzona izifiso — ukulawula ngakunye okungezansi kuphoqelelwa eplatifomu namuhla futhi kuyalungiseka ngokuthunyelwa. Bonisa lolu hlu ibhange lakho elikhulu.

Imikhawulo ngesigaba ephoqelelwa endaweni eyodwa ye-ledger — ayikho indlela ye-API noma ye-app engayeqa. Wonke amanani ayalungiseka umsebenzisi ngokuthunyelwa.

Ibhalansi encane (isisekelo se-float)

Isigaba sesikhwama singavinjelwa ukwehla ngaphansi komkhawulo obekiwe — isb. i-liquidity yomeli/yomthengisi.

Umkhawulo omkhulu webhalansi

Izimali ezingenayo ziyanqatshwa uma isikhwama singadlula umkhawulo wesigaba salo.

Umkhawulo omkhulu ngomsebenzi

Inani elikhulu eliphumayo elilodwa, ngesigaba sesikhwama.

Imikhawulo yenani nenani lomsebenzi ngosuku

Imikhawulo kokubili inani elihanjisiwe nenani lemisebenzi ephumayo ngosuku.

Imikhawulo yenani nenani lomsebenzi ngenyanga

Imikhawulo yenyanga ejikelezayo yenani nenani lomsebenzi.

Imikhawulo yekhasimende yezinga le-KYC

Izinga 1/2/3 ngalinye liphethe imikhawulo yalo yomsebenzi, yansuku zonke neyebhalansi.

Ukulandela imithetho, hhayi ukwenzisa

I-KYC, imikhawulo nokuhlolwa umlawuli akwamukelayo.

Ukulandela imithetho akusona isikrini osengeza ekugcineni. Ku-PesaBridge kuphoqelelwa yi-ledger, kuwo wonke umsebenzi.

I-KYC inezinga. Ikhasimende lingavula isikhwama esiyisisekelo ngenombolo yefoni nje, sikhawulelwe emikhawulweni ephansi; ukukhulisa umkhawulo kudinga i-ID ne-selfie, okuthathwe kuphinde kubuyekezwe ku-app. Izinga ngalinye liphethe imikhawulo yalo yomsebenzi ngamunye neyansuku zonke, ephoqelelwa ngaphambi kokuba imali ihambe — ngakho imikhawulo ayona isiphakamiso, iyisiqinisekiso. Imali ayikwazi ukushiya isikhwama ngaphandle kokuqinisekiswa kobunikazi obuyisisekelo, ngokuklama, ngoba ukuvula i-akhawunti nge-ID esemthethweni yisisekelo ibhange elikhulu eliqala kuso.

Ngaphezu kwalokho kuhlala ukulawulwa kwe-AML — amahhuku okuhlola izijeziso ne-PEP, imithetho yesivinini nemikhawulo eveza ukuziphatha okungajwayelekile ukuze kubuyekezwe — kanye nomkhondo wokuhlola ophelele, ongaguqulwa. Wonke umsebenzi, ukubuyisela nesinqumo se-KYC kurekhodiwe futhi kungathunyelwa ngaphandle, ngamaphakethe emibiko elungele umlawuli.

Futhi ngoba umsebenzisi ngamunye uqhuba okwakhe ukuthunyelwa nedathabhesi, idatha yamakhasimende akho ihlala ingeyakho: ayikho i-tenant eyabelwene, ayikho i-super-admin eyabelwene, akukho ukuhlangana nesinye isikhungo.

Amazinga e-KYC

Izinga 1 · Isisekelo

Inombolo yefoni kuphela · umkhawulo ophansi wansuku zonke

Izinga 2 · Kuqinisekisiwe

Idokhumenti ye-ID · imikhawulo ephakeme

Izinga 3 · Okugcwele

I-ID + ukuhlolwa kwe-selfie · imikhawulo egcwele

Ukuphepha nokulandela imithetho

Ukwethenjwa kungumkhiqizo.

Izinsiza zezimali ziphila noma zife ngokulunga nokulawula. I-PesaBridge ifaka kokubili emgogodleni.

Umbhalo-kabili ngokwakheka

Konke ukuhamba kufaka amadebithi namakhredithi abhalansayo — amabhuku ahlanganela ku-zero, njalo.

I-PIN, i-KYC nemikhawulo

Amazinga e-KYC alungiswayo, imikhawulo yomsebenzi ngamunye neyansuku zonke, imizamo ye-PIN nokukhiya isikhwama.

Ayiphindwa futhi ibuyiseleka

Okhiye be-idempotency bavimba ukukhokhiswa kabili; injini eyodwa yokubuyisela ihlehlisa noma yisiphi isigaba.

Ama-webhook asayiniwe

Izisayino ze-HMAC-SHA256 nokuphinda ukuze izistimu zozakwethu zithembe wonke umbiko obuyayo.

Umkhondo ophelele wokuhlola

Okufakiwe kwe-ledger okungaguqulwa nomlando wokwenziwa kwabalawuli nezimpikiswano.

Ukulandela imithetho ngezwe ngalinye

Izinhlobo ze-ID, imithetho ye-KYC namanani kushintsha nemakethe, kusuka ekulungiseni.

Ibhalansiwe ngokwakheka

I-ledger ayikwazi ukushintsha.

Wonke umsebenzi ufaka amadebithi namakhredithi abhalansayo. Inani lamabhuku njalo li-zero — akukho ndlela yekhodi eyakha noma ecekela phansi inani. Ukuphinda kuphethe ukhiye we-idempotency, ukuze ubizo lwenethiwekhi oluwile lungakhokhisi kabili. Lapho okuthile kumele kuhlehliswe, injini yokubuyisela ifaka okufakiwe okusibuko bese ishiya okoqobo kuphelele ukuze kuhlolwe.

Isiqinisekiso se-ledger

Σ debits  =  Σ credits
─────────────────────
deposit  agent.float −250
         alice.wallet +250
send     alice.wallet −100
         bob.wallet   +100
─────────────────────
net = 0.00   ✓ always

Lapho okuthile kungahambi kahle

Ukubuyisela kuphathwa kanjani.

Akukho okususwayo. Ukubuyisela kufaka okufakiwe okusibuko ngenjini eyodwa, kushiya umsebenzi wokuqala uphelele ukuze uhlolwe — kuzo zonke izigaba.

Ikhasimende

Isistimu

IkhasimendePhakamisa impikiswano / ukubuyisela

Isistimu · iqinisekisaThola okufakiwe kwe-ledger kokuqala

Isistimu · iqinisekisaIsikhulu siyabuyekeza sivume

IsistimuFaka amadebithi namakhredithi asibuko

IsistimuOkoqobo kugcinwe kuphelele ukuze kuhlolwe

Ikhasimende · kwenziweBobabili bayaziswa

Isinyathelo Ukuqinisekisa / PIN Kuqediwe

190+

Amazwe ongawethula kuwo

Ama-app omdabu, iplatifomu eyodwa

Iziteshi — App · USSD · Web · API

100%

Umbhalo-kabili, ubhalansa njalo

Imibuzo evamile

Imibuzo, iphenduliwe.

Ingabe i-PesaBridge iyiplatifomu engiyabelanayo, noma eyami?

Ngeyakho. I-PesaBridge ingumkhiqizo i-BridgeERP ewudayisa kabusha — umsebenzisi ngamunye uthola okwakhe ukuthunyelwa, okuklanyelwe futhi okulungiselelwe yena. Ayikho idathabhesi eyabelwene, ayikho i-super-admin eyabelwene.

Yimaphi amazwe nezimali ezisekelwayo?

Noma yimaphi. Izwe, imali, ulimi nemithetho ye-KYC kungukulungisa okudonswe kusethi ephelele ye-ISO — akubethelwanga. Sinezimakethe ezivulekile namuhla futhi sivula ezintsha ngaphandle kokwakha kabusha.

Ingabe isebenza emafonini ajwayelekile?

Yebo. Isikhwama esiphelele siqhuba nge-USSD — thumela, khipha, khokha ibhili, thenga impahla, i-airtime, ibhalansi nezitatimende — kuhlanganela ku-ledger efanayo neyama-app.

Ngingaxhuma amabhange nama-rail ami wezinkokhelo?

Yebo. Ama-rail angama-adapter angena kalula — amabhange, imali yeselula, amakhadi nama-PSP — ukuze uxhume kuphela lokho imakethe yakho ekudingayo.

Singaya live ngokushesha kangakanani?

Amaviki, hhayi iminyaka. Lungisa ibhrendi nezwe lakho, xhuma ama-rail akho, bese uthumela ama-app akho, ikhodi ye-USSD namaphothali eweb kusuka eplatifomu eyodwa.

Ingabe iphephile futhi ingahlolwa?

Konke ukuhamba kungumbhalo-kabili futhi kubhalansa ku-zero, kuvikelwe nge-PIN ne-KYC, ngama-webhook asayiniwe nomkhondo ophelele wokuhlola wabalawuli.

Yimaphi ama-app abasebenzisi namakhasimende abo abawatholayo?

Ama-app e-Android omdabu amane: i-app yoMsebenzisi yamakhasimende, i-app yoMenzeli / uMenzeli omkhulu yokufaka, ukukhipha imali ne-float, i-app yoMthengisi yokwamukela izinkokhelo nokuxazulula, ne-app yeNkampani yokukhokha ngobuningi ngokugunyazwa ngabantu ababili, esebenza futhi njengesango lewebhu. Izinguqulo ze-iOS zisohlelweni.

Ukubhadala nokuhlanganisa kusebenza kanjani?

Izimali zibhadala esikhwameni esihambisanayo ngesikhathi sangempela. Wonke umsebenzi ukhiqiza okufakiwe kwe-ledger okubhalansayo ongakuhlanganisa, ngezitatimende nokuthumela ngaphandle, kanye ne-bridge ye-GL yesistimu yakho yezimali.

Ingaphatha izikweletu, imali egciniwe nezimali zamaqembu?

Yebo — i-overdraft, izikweletu ze-MFI ezinamashejuli neqophelo lengozi lephothifoliyo, imali egciniwe yenjongo, kanye namaqembu emali egciniwe (i-chama / merry-go-round) kuyingxenye yeplatifomu futhi kuvuleka ngemakethe ngayinye.

Ningasekela ukukhokha ngobuningi kwamaholo, usizo noma izibonelelo?

Yebo. Isango lezinKampani ne-API kukhokha ngobuningi ezinkulungwaneni zezikhwama ngemvume ye-maker/checker, izincwadi zabamukeli, ukuhlela isikhathi nokuvumelanisa okuphelele.

Kudinga ini ukuyiqhuba nsuku zonke?

I-console eyodwa ye-admin yomsebenzisi iqhuba ibhrendi, amanani, i-KYC, inethiwekhi yomeli neyomthengisi, i-ledger, ukubuyisela, ukwesekwa nama-KPI — akudingeki khodi ekusebenzeni kwansuku zonke.

Ngubani onikeza ukuthunyelwa nedatha?

Nguwe. Umsebenzisi ngamunye uqhuba okwakhe ukuthunyelwa nedathabhesi yakhe — okuklanyelwe futhi okulungiselelwe yena. Ingumkhiqizo owudayisa kabusha njengowakho, hhayi i-tenant ye-SaaS eyabelwene.

Funda kabanzi

Imihlahlandlela evela ethimini le-PesaBridge

Izihloko zisesiNgisini.

Compliance · 11 imizuzu yokufunda

Qhubeka uhlola

Lapho ongaya khona ngokulandelayo

InkundlaAma-wallet, abenzeli, abathengisi, i-USSD nezikweletu kuleja eyodwa.

I-API yezinkokheloOkhiye be-OAuth2, isicelo senkokhelo, ukukhokha nama-webhook asayiniwe.

Mayelana nathiI-BridgeERP Limited, ithimba laseNairobi elingemuva kwe-PesaBridge.

Khuluma nathiBhukha umbukiso noma ubuze ithimba umbuzo.

Usukulungele ukwethula isikhwama sakho?

Bhuka idemo bese sisungula ibhrendi, izwe nama-rail akho — futhi sikuhambise kuwo ama-app, i-admin ne-API.

Bhuka idemo Hlola kuqala

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