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

Talk to us

How PesaBridge helps

What you switch on for banks & neobanks.

Stored-value wallets

A balanced double-entry ledger beside your core, reconciled to the cent.

Agent network

Cash-in / cash-out, float distribution and commissions across a hierarchy.

Open API

Sweep, settle and reconcile to your core via OAuth2 + signed webhooks.

Compliance built in

KYC tiers, limits, reversals and audit trails for the regulator.

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

System · validatesVerify the account

CustomerChoose a top-up amount

System · validatesCheck limits

Customer · validatesAuthorise — PIN or biometric

SystemPull from bank via the rail

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/Corp)

Four apps × two platforms 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

Countries you can launch in

Native apps, one platform

Channels — App · USSD · Web · API

Double-entry, always balanced

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.

Book a demo Test drive first