Solutions
Built for whoever launches mobile money.
Banks, telcos, fintechs, microfinance, retail, governments — the same balanced core under your brand, with only the rails and features your market needs switched on.
Who it's for
One platform, many operators.
Whoever you are, you launch the same balanced core under your own brand — and only switch on what your market needs.
Why operators move
The problems that stall a mobile-money launch — solved.
These are the issues that delay or sink MFS rollouts. PesaBridge was built to take each one off the table.
One system, every use-case
Instead of buying a full suite or stitching systems together, you get the whole mobile-money umbrella in one platform — and switch on only the modules your market needs.
Configured per user profile
Commission, pricing, thresholds, products and channels all vary by user profile, set in the admin — not in code — so one platform serves many segments.
KYC for any regulator
Dynamic KYC lets you define any fields and documents per user category, mandatory or optional, so you meet each country's rules without a rebuild.
Onboard millions
Self-service and assisted onboarding, with face recognition, biometric and OCR, so a user can verify themselves and the system validates them in the background.
No more manual reconciliation
A built-in reconciliation manager auto-reconciles transactions across billers, banks and partners on a schedule — saving the work that usually eats a team.
Roll out by configuration
Most new products are configuration, not development, so services reach the market in days, not quarters.
Insight, not data dumps
Built-in analytics turns transaction data into dashboards and KPIs you can act on — segmentation, trends and revenue opportunities.
Integrations without rewrites
An integration layer adds new connectors with minimal effort, so every rail is an adapter — not a change to the core.
What your wallet does
One wallet. Every way money moves.
From a neighbour repaying a loan to a corporate paying ten thousand staff — every money journey your market needs, switched on from one platform under your own brand.
Send money
Person to person
Move cash to any wallet or bank account in seconds — with pricing you set for both sender and receiver.
Go global
International remittance
Open cross-border corridors with built-in FX, so the diaspora can send money home from a single tap.
Pay bills
Top-ups & bill pay
Airtime, data, power, water, TV, school fees and transport — every bill settled from one balance.
Buy & sell
Merchant payments
Let customers pay any merchant by QR or a prompt on their phone, with money settled straight to the bank.
Pay at scale
Bulk disbursement
Run payroll, aid and subsidy payouts to thousands of wallets from a single file — no queues, no cash.
Link accounts
Bank to wallet
Sweep value in and out of linked bank and card accounts the moment your customers need it.
Grow & borrow
Savings & credit
Goal savings, group savings, overdraft and instant micro-loans that keep customers coming back.
Cash in/out
Agency banking
A nationwide agent network for deposits, withdrawals, balances and mini-statements — wherever cash is king.
Outcomes
What operators get.
Launch in weeks
A production core out of the box — you ship go-to-market, not a ledger.
Enter new markets fast
Add a country with configuration: currency, language, KYC and rails.
Reach every customer
Apps for smartphones, USSD for feature phones, agents for cash.
Stay in control
Limits, approvals, reversals, audit and reconciliation built in.
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.
Cash in
A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.
Wallet
Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.
Send & pay
Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.
Cash out
Withdraw at any agent; the agent float credits and the wallet debits.
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.
Rails & integrations
Connect only what your market needs.
Rails are pluggable adapters with one interface — collect, payout, balance and callbacks — so a new connector never touches the core.
Banks
RTGS / ACH / SWIFT / SEPA settlement and nostro management.
Mobile money
M-Pesa, Airtel, MTN, Orange and more via rail adapters.
Cards & PSPs
Visa / Mastercard acquiring and processor integrations.
Billers & telco
Utilities, TV, government, school fees and airtime top-up.
How it works
Live in weeks, not years.
Configure your brand & country
Set your name, logo, colours, currency, language and KYC tiers in the admin — the apps re-skin instantly.
Wire your rails
Connect banks, mobile money, cards, billers, tax and telco through adapters — only what your market needs.
Launch on app, USSD & web
Ship your own apps to both stores, a USSD shortcode, and web portals — all from one platform.
FAQ
Questions, answered.
Is PesaBridge a platform I share, or my own?
Your own. PesaBridge is a product BridgeERP resells — every operator gets their own deployment, branded and configured for them. No shared database, no shared super-admin.
Which countries and currencies are supported?
Any. Country, currency, language and KYC rules are configuration drawn from the full ISO set — not hardcoded. We have live markets today and stand up new ones without a rewrite.
Does it work on feature phones?
Yes. The full wallet runs over USSD — send, withdraw, pay bill, buy goods, airtime, balance and statements — settling on the same ledger as the apps.
Can I connect my own banks and payment rails?
Yes. Rails are pluggable adapters — banks, mobile money, cards and PSPs — so you connect only what your market needs.
How fast can we go live?
Weeks, not years. Configure your brand and country, wire your rails, then ship your apps, USSD code and web portals from one platform.
Is it secure and auditable?
Every movement is double-entry and balanced to zero, PIN- and KYC-gated, with signed webhooks and a full audit trail for regulators.
Which apps do operators and their customers get?
Four native apps (Android + iOS): a User app for customers, an Agent / Super-agent app for cash-in/out and float, a Merchant app to accept and settle, and a Corporate app for bulk disbursement with maker/checker approvals.
How does settlement and reconciliation work?
Funds settle to the relevant wallet in real time. Every transaction produces balanced ledger entries you can reconcile, with statements and exports, and a GL bridge for your accounting system.
Can it handle loans, savings and group finance?
Yes — overdraft credit, MFI loans with schedules and portfolio-at-risk, goal savings, and savings groups (chama / merry-go-round) are part of the platform and switch on per market.
Do you support bulk disbursement for payroll, aid or subsidies?
Yes. The Corporate app and API run bulk disbursement to thousands of wallets with maker/checker approvals, payee books, scheduling and full reconciliation.
What does it take to run it day-to-day?
A single operator admin console runs brand, tariffs, KYC, the agent and merchant network, the ledger, reversals, support and KPIs — no code required for everyday operations.
Who owns the deployment and the data?
You do. Each operator runs their own deployment with their own database — branded and configured for them. It's a product you resell as your own, not a shared SaaS tenant.
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.