Practical guides for mobile money launches
How agent networks grow, how wallets connect to each other, and what a central bank expects before you launch. Free, in English, French and Portuguese.
Available in English, French and Portuguese.
Iplatifomu
Konke isikhwama esikudingayo — umgogodla owodwa, ibhrendi yakho.
Umuzwa wama-app abantu abawathandayo, ububanzi beplatifomu ejulile yezimali, kanye ne-admin ye-SaaS eqhuba konke ngaphandle kwekhodi.
Kusebenza kanjani
Uphila emavikini, hhayi eminyakeni.
Lungisa ibhrendi nezwe lakho
Beka igama, ilogo, imibala, imali, ulimi namazinga e-KYC ku-admin — ama-app avele akhelwe kabusha ngaso leso sikhathi.
Xhuma ama-rail akho
Xhuma amabhange, imali yeselula, amakhadi, abakhokhisi, intela ne-telco ngama-adapter — kuphela lokho imakethe yakho ekudingayo.
Yethula ku-app, USSD naseweb
Thumela ama-app akho ezitolo zombili, ikhodi emfushane ye-USSD, kanye namaphothali eweb — konke kusuka eplatifomu eyodwa.
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
Kungani i-PesaBridge
Kungani abasebenzisi bekhetha thina.
Imali yeselula ilula ukuyibonisa kodwa inzima ukuyiqhuba. I-PesaBridge yakhelwe izingxenye ezibaluleke ngempela lapho imali yangempela ihamba.
I-ledger ongayithemba
Inani eligciniwe lihlala ku-ledger yombhalo-kabili weqiniso. Wonke umsebenzi ufaka amadebithi namakhredithi abhalansayo, awuphindwa ukuze ukuphinda kungakhokhisi kabili, futhi ubuyiselwa ngenjini eyodwa. Amabhuku ahlanganela ku-zero — isiqinisekiso umlawuli no-CFO abakudingayo bobabili.
Finyelela wonke ikhasimende
Ismartphone, ifoni ejwayelekile noma ukheshi — akekho oshiywa ngaphandle. Ama-app omdabu kwabanedatha, i-USSD yezinkokhelo zansuku zonke kwabangenayo, kanye nenethiwekhi yabameli yokungenisa nokukhipha ukheshi. I-ledger eyodwa ngemuva kwazo zontathu.
Ibhrendi yakho, kusukela ekuqaleni kuze kube sekugcineni
Ama-app, ikhodi ye-USSD namaphothali eweb konke kuphethe igama, imibala nemali yakho — kudonswe kusuka ekulungiseni okukodwa ama-app akufunda live. Uqhuba okwakho ukuthunyelwa; ayikho i-tenant eyabelwene futhi ayikho i-super-admin eyabelwene.
Ukulandela imithetho kwakhelwe ngaphakathi
Amazinga e-KYC alungiswayo nemikhawulo yansuku zonke neyomsebenzi ngamunye, ukuhlola i-AML nemithetho yesivinini, umkhondo ophelele wokuhlola nemibiko elungele abalawuli — ukuze ukuya live kungasho ukunamathisela ukulandela imithetho emuva.
Ivuliwe ngokuklama
I-API ye-OAuth2, i-sandbox, isicelo-sokukhokha nama-webhook asayiniwe kukuvumela ukukhokha, ukubhadala nokuhlanganisa kumgogodla wakho. Ama-rail — amabhange, imali yeselula, amakhadi — angama-adapter angena kalula, ukuze uxhume lokho imakethe yakho ekudingayo ngaphandle kokuthinta umgogodla.
Uphila emavikini, hhayi eminyakeni
Lungisa ibhrendi nezwe lakho, xhuma ama-rail akho, bese uthumela ama-app akho, ikhodi ye-USSD namaphothali kusuka eplatifomu eyodwa. Ukuhlanganiswa okunzima kwe-ledger ebhalansayo sekukhona — usebenzisa isikhathi sakho ekungeneni emakethe.
Imibuzo evamile
Imibuzo, iphenduliwe.
Ukuthenga i-PesaBridge
Singaqala ngengxenye yenkundla?
Yebo. Uhlelo lwe-Starter luhlanganisa izinhlelo zokusebenza zekhasimende nezommeleli kanye nehhovisi elingemuva ne-KYC. Abathengisi, i-API yabathuthukisi, i-USSD, imalimboleko, ukonga nezinkokhelo zobuningi kuvulwa kamuva kuleja efanayo, ngakho akukho okwakhiwa kabusha njengoba nikhula.
Intengo ye-PesaBridge ibalwa kanjani?
Ngezindlela ezine: izinhlelo ze-Starter, Growth ne-Enterprise, noma Ubambiswano lapho ungakhokhi khona imali yelayisensi, esikhundleni salokho sabelane ngemali engenayo ehlanzekile. Isakhi seziphakamiso kule sayithi sikunika intengo eqondile nohlaka lwesivumelwano cishe emizuzwini eyi-10.
Yini enikudingayo kithi ukuze sethule?
Ilayisensi, noma umlingani onelayisensi ogcina imali yamakhasimende; ama-akhawunti emabhange nakubahlinzeki bezinkokhelo enifuna ukuxhuma kubo; uphawu lwenu; namanani enu. Uma imininingwane yokungena yabahlinzeki isifikile, izwe lokuqala ngokuvamile liqala ukusebenza emasontweni angu-4 kuya kwangu-12.
Singayizama ngaphambi kokusayina?
Yebo. Cela ukufinyelela kokuhlola futhi uzothola nge-imeyili izinhlelo ze-Android zemikhiqizo oyikhethile, amaphothali ewebhu nemininingwane yokungena yokuhlola. Konke kusebenza endaweni yokuhlola, ngakho ayikho imali yangempela edlulayo. Abathuthukisi bangavula i-akhawunti yokuhlola kuphothali yabathuthukisi noma nini.
Yiluphi usizo noqeqesho enilunikezayo?
Uhlelo ngalunye luhlanganisa usizo: nge-imeyili ku-Starter, usizo olubekwe phambili ku-Growth, nesivumelwano sezinga lesevisi kanye nokwethulwa ku-Enterprise. Ngesikhathi sokwethula siqeqesha amathimba enu ehhovisi elingemuva, osizo nenethiwekhi yabameleli, futhi isikhungo sosizo, imihlahlandlela nemibhalo ye-API kuhlala kukhona ku-inthanethi kuwo wonke umuntu.
Inkundla
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. Nge-USSD, amakhasimende ayathumela, akhiphe, akhokhe amabhili, athenge impahla ne-airtime, abheke ibhalansi futhi athole isitatimende esincane, 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 ne-iOS omdabu ayisithupha: i-app yoMsebenzisi yamakhasimende, i-app ye-Send yokuthumela imali phesheya, i-app yoMenzeli / uMenzeli omkhulu yokufaka, ukukhipha imali ne-float, i-app yoMthengisi yokwamukela izinkokhelo nokuxazulula, i-app yeKhawunta yezitolo ne-app yeNkampani yokukhokha ngobuningi ngokugunyazwa ngabantu ababili, esebenza futhi njengesango lewebhu.
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.
Usukulungele ukwethula isikhwama sakho?
Bhuka idemo bese sisungula ibhrendi, izwe nama-rail akho — futhi sikuhambise kuwo ama-app, i-admin ne-API.
Ungathanda ukukhuluma? Shayela +254 746 883809