For telcos & MNOs

Turn SIM reach into a mobile-money business.

You already have the subscribers, the airtime channel and the agent footprint. PesaBridge turns that into a full wallet, USSD and merchant business under your brand.

Why telcos & mnos choose PesaBridge

You already own the subscribers, the airtime distribution and the agent footprint. Airtime margins are thinning while customers increasingly want to send, save, pay and borrow on the same SIM. PesaBridge turns that reach into a full mobile-money business under your brand — apps for smartphone users, USSD for everyone else, and merchant acceptance for your retail base.

Float and commissions flow through the agent hierarchy and reconcile automatically, and the wallet settles on a balanced ledger your regulator can audit. It's a new revenue line beyond airtime, and it deepens subscriber stickiness — the customer who keeps their money with you doesn't churn.

The challenge

What gets in the way.

Airtime margins are shrinking; subscribers want to send, save and pay.
A wallet must run on every handset — including feature phones over USSD.
Agent float and commissions have to reconcile across thousands of outlets.

Outcomes

A new revenue line beyond airtime
Reach every subscriber, smartphone or not
Deepen subscriber stickiness

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How PesaBridge helps

What you switch on for telcos & mnos.

USSD-first

The whole wallet on any phone — send, withdraw, pay bill, buy goods, airtime.

Agent & float engine

Super-agent to agent float distribution, commissions and overrides.

Merchant acceptance

Till, Pay Bill, QR and prompt-to-pay for your merchant base.

Your brand

Apps, USSD shortcode and web portals — all themed from one config.

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 telcos & mnos 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.

Send money on any phone

The full journey on a feature phone — no app, no data, same balanced ledger.

Authorised with PIN (on every feature-phone transaction) — nothing posts to the ledger until the customer confirms.

Balance & limit checked first
Validation / authorisation gate
Balanced debits & credits posted

Customer

System

CustomerDial the USSD code

System · validatesOpen session · validate PIN

SystemShow the services menu

CustomerSelect Send Money

CustomerEnter recipient number

CustomerEnter the amount

System · validatesCheck KYC tier, balance & limits

SystemShow confirmation & fee

Customer · validatesConfirm with PIN

SystemPost balanced debit & credit

SystemSMS receipt to both parties

System · doneMoney sent · reference shown

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