For governments & NGOs

Disburse to thousands — controlled and auditable.

Pay stipends, aid, salaries and subsidies straight to wallets, with maker/checker approvals, full audit trails and reconciliation a regulator can trust.

Why governments & ngos choose PesaBridge

Paying stipends, aid, salaries and subsidies in cash is slow, expensive and hard to account for — and many beneficiaries have only a feature phone and no bank account. PesaBridge disburses straight to wallets in bulk, with maker/checker approvals, limits and a complete audit trail, so a programme is controlled and a funder can see exactly where every unit went.

Beneficiaries cash out at agents or transact over USSD, so no one is excluded for lack of a smartphone. You move money faster and cheaper, with the controls and reconciliation an audit demands.

The challenge

What gets in the way.

Bulk cash disbursement is slow, costly and hard to account for.
Programs need controls — approvals, limits and a clear audit trail.
Beneficiaries may have only a feature phone and no bank account.

Outcomes

Faster, cheaper disbursement
Strong controls and audit
Reach the unbanked

Talk to us

How PesaBridge helps

What you switch on for governments & ngos.

Bulk disbursement

Pay thousands of beneficiaries to wallets in one run.

Maker / checker

Approval workflows, limits and segregation of duties.

Reach everyone

Wallets, agents for cash-out and USSD for feature phones.

Audit & recon

Every payment traceable and reconciled for funders and regulators.

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 governments & ngos 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.

Pay thousands at once

Payroll, aid and subsidy payouts to thousands of wallets from one file.

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

Corporate

System

CustomerUpload the payee file

System · validatesValidate rows, amounts & funds

SystemShow summary & total

Customer · validatesApprover authorises — PIN or biometric

SystemCredit thousands of wallets

SystemPost balanced entries per payee

SystemNotify each recipient

System · doneDisbursed · reconciled report

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