Enablers
Revenue products that plug into the platform you already run.
You have the license, the wallet or the account base. Enablers add the products your customers already want, on rails that are integrated and certified, in four to six weeks.
Account opening that finishes on the phone it started on. Digital identity, biometric verification, retail and business, self-service or assisted by your staff and agents.
One REST API to collect from and pay out to mobile money wallets. Asynchronous, idempotent, webhook-driven, with a full ledger and reconciliation.
Digitised group savings, the way people already save. Rotating circles, shared gifting pots, savings pockets and community crowdfunding, settled on your rails.
Credit decisioning on alternative data for thin-file and no-file customers. Approve, restructure or decline, with the restructure steps that a single cut-off cannot express.
A digital commerce ecosystem inside the wallet: a 1,000+ SKU marketplace, rewards, referrals, engagement and buy-now-pay-later.
For a wallet, commerce usually pays back fastest. For a bank, onboarding. For a finance company, scoring. Tell us your base and we will say which.
Why enablers move fast
The rails are already integrated and certified.
Typical time from commercial agreement to a live, commercially launched product.
Under a share-of-upside model, Maly funds build, integration, hosting and product operations.
Products launch under your brand. Customers and contracts stay yours.
Collections, disbursements, refunds, reversals, recurring mandates, pre-authorisation, USSD and mini-app delivery.
Depth on mobile money
Most vendors reach the wallet through a collections endpoint and stop.
Maly runs inside the ecosystem. Recurring payments and pre-authorisation are what turn a payment connection into a product platform: they convert manual repayment into automated collection, which lifts repayment rates and gives a credit committee a predictable cash flow to lend against.
- Collections, disbursements, refunds, reversals and automated reconciliation
- Recurring payments and standing mandates for instalments, subscriptions and savings contributions
- Pre-approval and pre-authorisation, the mechanic behind deferred payment and repayment sweeps
- USSD service delivery on short codes, reaching feature phone and rural customers
- Mini-app deployment, wallet to account transfers, remittance and merchant payment integration
Production services embedded in MoMo operations in the Republic of Congo, Nigeria and Benin, working directly with the operating companies on integration, compliance, joint campaigns and settlement.
MTN, MoMo and associated marks are the property of MTN Group Limited and appear here to describe integration context only.
Start the conversation
Start with a conversation, not a procurement cycle.
Tell us which layer you need. We will come back with a scope, a timeline and the institutions we have done it for.