MobiFin for Telcos
Turn subscribers into financial services customers.
Your subscriber base, dealer network, and billing relationship are already in place. MobiFin gives you the platform to launch and scale financial services on top of them, across every segment, channel, and product tier.
- Established Leader – Mobile Money in Emerging Markets, Juniper Research, 2026
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The reality telcos face
You have the audience. They're ready for more than airtime.
The subscriber base is there. So is the distribution
footprint and the billing relationship. What most telcos lack is the operational layer that
converts those assets into a real financial services business, without needing to build one
from the ground up.
01
Airtime credit is a starting point, not a destination
Wallets, savings, credit, insurance, merchant payments — the opportunity is clear. Getting there requires a product and compliance layer most telcos don't have in-house.
02
Your dealer network wasn't built for financial services
SIM and recharge distribution is not the same as cash-in/cash-out, wallet onboarding, and float management. Activating the same network for both requires a different operational layer entirely.
03
Compliance is market-specific and hard to scale
KYC tiers, AML requirements, and central bank reporting differ by market. Without a compliance-ready platform, every new market is a rebuild, not a rollout.
04
The product plateaus after basic payments
P2P and bill payments go live. Then growth stalls. No savings, no credit, no merchant ecosystem. Each new capability means a new vendor, a new contract, a new project.
What telcos build on MobiFin
The financial services plays available to you, from day one.
Whether you're launching mobile money for the
first time or expanding an existing wallet into a full subscriber ecosystem, MobiFin has the
product coverage to support each stage.
Mobile Money Launch
Consumer wallets, P2P, bill payments, and merchant payments on your subscriber base. No separate financial entity needed.
Dealer Network Activation
Your existing dealer network, now activated for cash-in/cash-out, wallet onboarding, float management, and commissions.
Cross-Border Remittance
Cross-border remittance as a native wallet feature. FX handling, corridor controls, and unregistered user payouts built in.
Merchant Payments Ecosystem
QR and NFC acceptance, merchant wallets with settlement visibility, cashback, loyalty, and bill payment aggregation.
SuperApps for Subscribers
Financial services, lifestyle, and partner services in one subscriber app. MiniApp architecture means no rebuild.
What MobiFin gives telcos
The platform capabilities that make it work at operator scale.
From first wallet launch to full financial ecosystem, MobiFin gives telcos the capabilities to serve every subscriber type, support every channel, and expand the product surface without changing platforms or adding vendors.
Capability 01
Subscriber onboarding built for volume
KYC journey configuration with tiered account logic, OCR, liveness
detection, AML screening, and sanctions checks. Self-service via app or
USSD. Agent-assisted through your dealer network. Market-configurable
per jurisdiction, not a one-size deployment.
Under 3 minutes to activation
Capability 02
Agent management infrastructure
N×M configurable agent hierarchies, float management, AI-assisted
liquidity prediction, automated commission calculation, and real-time
network monitoring. Built for operators managing agents at scale across
multiple geographies.
Dealer network → financial agents
Capability 03
App and USSD on the same account
Smartphone users on the app, feature phone users on USSD —
same wallet, same compliance logic, same transaction limits. USSD is a
first-class channel with offline resilience, asynchronous processing, and
session stitching. Not just a bolt-on.
App + USSD · Reach every subscriber
Capability 04
Engagement and growth tools, post-launch
Dormant wallet reactivation, behavioural triggers, personalised
product offers using airtime and data signals, loyalty gamification, and
geolocation-based merchant discovery — all controlled through Engage,
without touching the wallet core.
Payments → full financial ecosystem
MobiFin Classic
Everything a telco needs to run financial services at scale.
A suite of market leading solutions, API-
first, independently deployable and proven across 25+ markets.
Digital Wallet
Four wallet types on one platform: consumer, merchant, agent, and enterprise. P2P, QR, airtime, bill payments, remittances, savings, credit, loyalty, and hybrid fiat-crypto — all configurable per subscriber segment and market.
- Consumer, merchant, agent, and enterprise wallet types
- Hybrid fiat-crypto with governance controls
- Remittances — domestic, international, unregistered user payouts
- BNPL, goal-based savings, standing instructions
Agency Banking
Converts your existing dealer and reseller network into a financial distribution channel. N×M configurable hierarchies, AI-assisted float prediction, automated commission calculation, and real-time network monitoring — built for operators running agents at scale.
- N×M configurable agent hierarchies
- AI-assisted float prediction and liquidity rebalancing
- Automated commission calculation and disbursement
- Real-time agent performance monitoring
MobiFin Engage
Activates your subscriber relationship for financial services adoption. Dormant wallet reactivation, behavioural engagement triggers, personalised product offers based on airtime and data signals, loyalty gamification, and geolocation-based merchant discovery — all without touching the wallet core.
- Cross-channel orchestration: app, USSD, WhatsApp, agent
- Dormant user reactivation and friction intervention
- Personalised offers at point of relevance
- Loyalty gamification and referral engine
SuperApp Framework
Turns your subscriber app into a platform. Financial services, lifestyle, content, and partner services under one identity. MiniApp architecture lets you add insurance, health, utilities, and loyalty without rebuilding the app.
- MiniApp architecture for financial and lifestyle services
- Partner API marketplace — no wallet core changes
- Single identity and payment interface across the ecosystem
Digital Lending
Credit products embedded into the Telco financial services stack, using subscriber data and usage patterns as the eligibility base.
- Airtime credit and prepaid advance products
- Salary-linked and employer-partnered lending
- BNPL within the Telco digital ecosystem
- Configurable credit limits, pricing, and repayment by segment
- Full lifecycle: origination, disbursement, repayment, recovery
MobiFin Tapestry
Launch financial services on top of your existing network.
For most telcos, every new financial product means a new vendor, a new integration project, and a new compliance discussion. The result is a mobile money product that stays at payments long after the subscriber base is ready for more. Tapestry is MobiFin’s composable product assembly platform, powered by AI — built so telcos can compose new financial services from governed building blocks without touching live infrastructure. A micro-loan product based on airtime behaviour, a savings programme, an insurance collection flow — assembled, tested in sandbox, and deployed in days. Financial services velocity without operational risk to your network.
Sample use cases for Telcos
USE CASES
Agent Commission & Hierarchical Payouts
Airtime, Voucher & Recharge-Triggered Incentives
Bulk Disbursement (Govt / Payroll / Aid)
Biller Aggregation & Collection Flows
Subscriber Onboarding & eKYC Automation
01
Describe
Define the product in plain language. Tapestry's AI suggests the right
building blocks and templates.
02
Compose
Configure financial behaviours, rules, integrations, and decision points
into a governed workflow.
03
Publish
Test, deploy, and expose as a secure, reusable API. Auditable and
production ready.
- Runtime Assembly
- Testing & Sandbox
- Embedded Governance
- Monitoring
Why MobiFin
Built for the realities of running financial services on a telco network.
✓
Works on top of your network
Sits alongside your BSS/OSS via standard APIs. Your airtime platform stays intact.
INTEGRATION
✓
USSD + app from one platform
Same wallet, same compliance, same account — app for smartphone users, USSD for feature phones. One platform serves both.
USSD + APP
✓
Financial inclusion built in
Offline-resilient, low-data USSD channels extend financial services to every subscriber, not just smartphone users.
INCLUSION
✓
API-first, developer-ready
Governed, stable APIs across every product. Partners and channels consume behaviour, not internal logic.
API-FIRST
✓
Enterprise-grade security
PCI-SSF certified. ECC-256 encryption. MFA and biometric auth across all channels.
SECURITY
✓
Cloud-native, cloud-neutral
AWS, Azure, GCP, on-premises, or hybrid. No lock-in.
CLOUD-NEUTRAL
✓
99.9% uptime SLA
Contractual SLA across every deployment and market.
SLA
✓
1,500+ TPS throughput
Peak transaction volumes at scale, no performance degradation.
THROUGHPUT
FAQs
Common Questions, Answered.
MobiFin integrates via standard APIs and does not require replacement of your BSS, OSS, or airtime platform. The wallet and financial services layer sits alongside your existing telco stack — connecting to your subscriber identity system, billing platform, and USSD gateway. Your airtime platform stays intact.
Yes — and this is one of the primary advantages for telcos. MobiFin's agent hierarchy model is configurable to map directly to your existing dealer and reseller structure. The same network that handles SIM and airtime distribution can be activated for wallet onboarding, cash-in/cash-out, and float management. Commission models can mirror your existing airtime incentive structures.
Yes. MobiFin's USSD stack is not a bolt-on — it is a first-class channel that runs the same wallet logic, compliance controls, and product features as the app. The same account, same KYC, same transaction limits. USSD flows include offline resilience, asynchronous processing, and session stitching for low-connectivity environments — critical for telco deployments in emerging markets.
MobiFin Tapestry is the composable platform that can enable you to do this. Once your wallet is live, your product team can compose new financial services — micro-loans, savings programmes, insurance flows — from governed building blocks, custom blocks and external importable connectors without touching the live wallet stack. Each new product is assembled, tested in sandbox, and deployed without disrupting existing operations. What you test is what gets deployed.
Yes. MobiFin's execution engine handles 1,500+ TPS with a 99.9% uptime SLA, backed by dual-site architecture with active/active primary and active/standby secondary. The platform supports 5M TPM capacity in production deployments — including USSD-heavy environments where transaction volumes spike sharply during peak hours and events.
Your subscriber base is ready
for financial services. Are you?